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Sometimes when you want something you have to create it. No, I’m not saying that you create your own insurance company, what I’m saying is you create your own low rates by being the model insured that a company will want. You may not be able to change the company’s underwriting requirements, but you can look to become a more attractive risk, which in turn will help you to find a better rate and more affordable coverage. Here are a few tips:
1. Type of Vehicle to Insure: Insurance companies like old-fashioned safe vehicles. Purchasing a brand new sporty red Porsche with the ability to go 250 mph is a lot less attractive than a Ford Taurus. You might be thinking about a car somewhere in between these two models. Companies love built in safety features like anti-lock brakes, airbags and automatic seatbelts. These features will save you a few dollars on your premium.
2. Change Your Deductibles: The higher the policy deductible, the lower your rate. If you can absorb more of the first few dollars on each loss, it will reflect in your premium savings. You should, however, use common sense. Check with your agent to see how much each deductible change will save you and select the one that you can live with. Although physical damage coverage is not a mandatory coverage according by Arizona law, it is something that you will need if your car is being financed through a lending company.
3. Safe Driver/Driver’s Education: Having a driver’s education class under your belt will serve to earn you a few points in premium discount. Aside from the fact that you may refresh your driving skills, it will offer a premium savings to boot.
Create a favorable situation. Take control of your auto insurance policy. Talk to your agent at length to find out what insurance credits may apply in your situation. Don’t leave your discounts on the table.