Insurance Discount Check Up

by Sherry Holetzky | More from this Blogger

15 Jul 2006 07:06 AM

Did you recently turn 25, just get married, or move closer to work? Does your teenager have excellent grades? Have you gone five years without getting any tickets or filing any claims? All of the above as well as many other particulars may entitle you to discounts on your auto insurance premiums.

Check with your insurance agent regularly to make sure you are receiving every applicable discount. You may end up saving a great deal of money by finding discounts that you didn't even know were available to you. If you are unsure which discounts you are receiving (if any), speak to your agent as soon as possible. Then, ask for a re-evaluation each time you renew your policy in case new discounts have become available or your circumstances have changed in some way, which make you eligible for greater savings.

Your agent should be aware of the many discounts available, but he or she can't keep up with every client's circumstances. Ask that he or she review your policy from time to time to make sure you are getting the best deal. Ask for a list of discounts so you can keep these things in mind, and remind your agent if you become eligible for them.

Also, keep in mind that you may get a second vehicle discount by adding your child's car to your own insurance instead of seeking a separate policy. Insurance for teen drivers is not cheap, but may be more affordable when coupled with your existing plan. It pays to find out.

Another thing to inquire about is your homeowner's insurance. If your homeowner's policy is with a different company, you may be able to obtain a better deal by switching it to the company that currently provides your auto insurance, so be sure to ask your agent.

Learn more about Sherry Holetzky

Sherry Holetzky is a work at home mom and freelance writer. Married to her best friend, Sherry and her husband are raising their family in a quiet rural setting in the beautiful Ozark Mountains.

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