Are Auto Insurance Rates Negotiable?

Are auto insurance rates negotiable. Well, the short answer is no auto insurance rates are generally not negotiable. However, there is more to this question than my short answer that I just gave you. So in truth, uh what most people want to know is how they can lower their auto insurance rates. Now, while the premiums, a carrier offers aren’t negotiable, there are actually other ways that you can knock that rate down. Auto insurance carriers determine their fees based on this really complex set of variables that include, you know, uh your driving record and um your age where you live. Uh how many miles you drive in a month? Things like that, which means if you want uh lower insurance rates, then there are several things that you can do. Uh for starters, you can drive fewer miles, which might mean, you know, carpooling or taking public transportation. And let’s see what else? Um Another great idea that you could do to um lower those rates is to improve your driving record by going to driving school. As a matter of fact, some carriers will encourage you to take a defensive driving class in exchange for lower premiums, I gotta say, uh a knowledgeable insurance agent can help you find ways to lower your premiums. So even though rates aren’t directly negotiable, there are definitely plenty of ways to save money on auto insurance.

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What Liability Limits Should I Have On My Auto Insurance?

Liability insurance is the only type of car insurance required by law. And for good reason, liability coverage pays for the damage you do when you collide with another automobile. While situations will vary between people of different means. A smart way to gauge the level of liability insurance you should have on your car can be done by looking at car costs. The average cost of a new car is just under $50,000 while not all cars on the road are worth this much. It’s a good minimum for your liability coverage. But what if you’re in an accident and the other person is injured? Medical care is expensive and a car injury can easily generate more than $200,000 in costs to cover both. Consider keeping liability coverage around $250,000. And remember you can always lower your premiums by raising your deductible before making a final choice on how much coverage you need. Consider speaking with an insurance professional about your optimal liability coverage.

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5 Reasons For Financial Devastation

We see five main reasons why people suffer financial devastation when mayhem strikes. We made this video to make sure this doesn’t happen to you. Number five, they don’t know that flood is not covered in a home policy. Number four, they don’t realize how often the liability limits of auto and home policies are often exceeded. Number three, they don’t understand the importance of a personal umbrella policy. Number two, they don’t prepare for the worst and understand how inexpensive life insurance really is. Number one, they don’t update their insurance when their lives change. These items are just a short list of the many hazards that seriously affect our customers lives. How do you protect yourself? Schedule an annual insurance review as soon as possible? Sit down with your agent, your trusted advisor. It’s our jobs to make sure you are protected and not only that nearly 70% of the time, we are even able to save our customers money.

Concierge Program Overview

Finding the best service providers in town can be frustrating. That’s why we want to share our concierge program with you. We’re your local field guide to businesses that provide top quality service looking for reliable assistance with your real estate needs. New restaurant, auto mechanic, chiropractor. Our concierge program is your one stop resource. It’s free to use and we don’t charge businesses to be listed either, but they can only be added if a customer or our team recommends them. Several concierge members are even featured each month in our magazine publication called Our Hometown, which also includes articles to help you live well and thrive. Have you had a terrific service from another business recently? Let us know and we’ll consider their addition to the program in need of a service. Now, simply click the concierge program menu link at the top of our website and then select the category of service.

Agency Intro

At our agency, we believe you deserve top quality service period. That’s why we’re committed to giving you the best of us. We’ll make sure you have the right coverage, the right discounts and can take comfort in knowing the things that matter most to you are protected. We also believe in giving back as agents of change in our community. Our agency will rally around a new community cause together we can positively impact the lives of others around us. So for every friend, you recommend to our agency for a quote, we’ll make a donation to someone in need on your behalf. But why stop there if you personally know of a child, a family or an individual going through a tough time and think we can help them, let us know we’ll do our best to include them in our community cause program. If you’d like to learn more about other great local services in our area, be sure to check out the concierge tab on our website. This serves as your local business field guide and will continue to add new businesses that have been recommended by our customers. Lastly, don’t miss our monthly publication called our hometown magazine. It contains a local events, billboard, delicious recipes and other useful articles. Customers receive a new issue delivered to their email inboxes each month. Call us for a comparison or policy review today.