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Sandvik Insurance Agency Blog

Car Insurance Savings

12/11/2014

12 Comments

 
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Shedding Light On Car Insurance Savings
It can be easier than you think to put the brakes on high auto insurance rates – as an independent agency, Sandvik Insurance Agency can help! We can review your policy and possibly help you find a variety of illuminating ways to save money. Here are some things you may want to consider:

• Ask us to check several companies’ rates. This is the single most important thing you can do to get the best possible rate—and we can do it for you quickly and easily. The difference between the highest and lowest rate available to you from different companies could vary by hundreds of dollars.

• Reduce or drop physical damage coverage on an older car. Depending on your car’s age and where you live, comprehensive and collision coverage may not be worth keeping. We can give you advice on whether it makes sense to reduce or drop this coverage altogether.

• Raise your deductible. According to the Insurance Information Institute, raising your deductible from $200 to $500 could reduce your collision and comprehensive cost by 15 to 30 percent. In addition, because the average driver files a collision claim only once every ten years, odds are that over the lifetime of your car, a higher deductible will save you money. We can show you how raising your deductible will lower your premium.

• Look for discounts. Many insurance companies reduce premiums for certain driver traits or car features. For example: being a homeowner for more than three years, nonsmoker, nondrinker, students with good grades, senior citizens who have taken an approved defensive driving course, people who only drive for pleasure, cars kept in garages, antilock brakes, antitheft devices, air bags, etc. Ask us to check.

• Don’t assume having your car and home insured by the same company is the best option. Because auto insurance rates vary so much from company to company, it may make sense for you to have your car and home insured by separate companies. Let’s talk about it.

To learn more about all an independent agency can offer you, call Sandvik Insurance Agency or email us at contactus@sandvikagency.com.
12 Comments
Adam Golightly link
4/12/2021 05:38:02 pm

My cousin has been thinking about getting some insurance for her truck to make sure that they can get the right protection. Getting some from a professional could allow them to be a lot safer without any problems. It was interesting to learn about how they can raise the deducible to reduce costs in the collision, and comprehensive costs

Reply
cars for sale Dover Delaware link
3/2/2022 03:01:59 pm

Check several companies’ rates. This is the single most important thing you can do to get the best possible rate.

Reply
INSURANCEPLANT link
3/16/2022 09:57:35 pm

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Eli Richardson link
4/25/2022 03:22:11 pm

It's so cool that you elaborated on how we could get a good price for auto insurance. My brother's buying his first car in a couple of weeks, so I think he should know about his insurance options first. I believe my brother could qualify for a discount, so I'll talk to him when I see him over the weekend. Thank you for the advice on car insurance and what to consider before investing in it.

Reply
Tex Hooper link
7/15/2022 05:51:40 pm

Great tip about raising your deductible to lower your premiums. I need to get a new policy since my premiums are too high. Maybe I should opt for lower coverage.

Reply
Eve Mitchell link
10/26/2022 05:41:55 pm

Thanks for mentioning that raising your deductible can help you save money on car insurance. I'm hoping that I can talk to an insurance company this week about my car. I'm hoping to do anything I can to lower the rates on my insurance.

Reply
John Carston link
11/8/2022 06:50:48 pm

I like the tip you gave that increasing your deductibles could help you manage your costs easily. My associate said a couple of days ago that he was planning to have auto insurance with the most inexpensive insurance rates for the protection coverage for his car. He asked if I had opinions on the best option to consider. I love this enlightening article, I'll tell him it will be much better if he consults a trusted insurance agency as they can provide more facts about the best plan.

Reply
Iris Smith link
11/13/2022 07:35:53 pm

Thank you for noting that comprehensive collision coverage might not be worthwhile to have to depend on the age of your car and where you reside. My husband just bought a new car. I will advise him to speak with the auto insurance company about the coverage that may or may not be valuable to keep so that he may get what he wants.

Reply
Wooller Lukas link
12/29/2022 05:09:59 am

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Mia Evans link
1/14/2023 12:55:56 am

It really helped when you said that the collision and comprehensive cost can be reduced by 15 to 30 percent when we raise our deductibles. I will follow your advice when I buy my first-ever car this coming February to ensure that it will also be protected. Your piece of advice is going to be helpful for my monthly expenses, since I shoulder every bill in the house on my own.

Reply
Directory link
2/3/2023 02:37:56 am

Thanks so much for the Guide , I Appreciate.

Reply
Jessie Holloway link
3/6/2023 11:25:20 am

Thanks so much for talking about how because rates vary from company to company having insurance policies for multiple things in the same company may not always be the best option. I have a friend who just got a new car and she's been wanting to check out auto insurance policies that aren't from the same provider she has for her home. We'll have to be sure to find a provider that will be able to walk her through their policies and answer all her questions.

Reply



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