Everyone wants low rates. But how! There are a few simple steps. The first is to not file unneccesary claims. Get a professional doctor, mechanic or home contractor to estimate the cost of repairs or injuries. Then compare that to your deductible. If it is only a few dollars more than the deductible it may not be woth filing the claim. Remember, whether you get paid for the claim or not it still counts against you, because now the company knows there was some damage.
Another big role in keeping rates low is keeping your insurance active without a lapse in coverage. If you are going to switch companies make sure you don't let a few days of forgetfullness overshadow your years of dedication. And HONESTY! Always be honest with your insurance agent and company. If they find out you lied it may cost you a higher premium, or even worse, a denied claim.
Third, look and see if your coverages are adequate. Do you need all those little extras? We can give you a second opinion just click here.
Also, If you have more than one policy per company that may help. A lot of companies give a discount on auto if you if you have homeowner's with them, and vis versa. Another common discount is if you have you health and life together. If you would like us to take a look at your insurance needs please click here.
Then there is the one's you can't help. Getting older is a big factor, as well as, lower value homes or sedan versus a sports car.
If you would like more information please call us at 713-227-7283 and ask for a fast, free quote.
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Posted Wednesday, October 29 2008 3:33 PM
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