Hello Insurance. Goodbye Risk.

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Hello Insurance. Goodbye Risk.

When it comes down to it, all insurance really serves a single purpose. It reduces your risk. Perhaps you cannot afford to risk having to pay $100,000 if someone is badly injured on your property. You'd buy homeowners insurance to protect you from that risk. Maybe you don't want to have to shell out $20,000 for a new car if someone drives into the side of yours in a parking lot. You'd buy comprehensive car insurance to cover that risk. More insurance equals less risk. But how much risk do you need to protect against, and how much insurance is enough? Only you can answer that question, and you should have a better idea of your answer after reading the articles on this website.


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The Lowdown On Auto Insurance Discounts: 3 Steps You Can Take To Qualify For A Lower Premium

Auto insurance companies typically offer a wide range of discounts that individuals can qualify for in order to save some money on their car insurance policy. Unfortunately, many people are either unaware of these discounts or simply do not know how to go about qualifying. As a result, there are many people who are paying more for their auto insurance than they have to. Thankfully, you can avoid finding yourself in this situation by taking the three simple steps below in order to qualify for even more discounts on your auto insurance. 

Step #1: Complete A Defensive Driving Course

Defensive driving courses can provide you with a wonderful opportunity to save money on your car insurance in two unique ways. The first opportunity to save applies to people who have points on their license as a result of previous traffic tickets. Completing a defensive driving course will allow you to have some of these points removed. Since having points on your license will increase the cost of your auto insurance, the ability to remove these points can result in a reduction in your insurance premiums. 

If you do not have points on your license, taking a defensive driving course can still be in your best interest. This is because many insurance providers will offer a discount to individuals who have completed this type of course within the year prior to obtaining their policy.

Step #2: Sign Up For A Safe Driver App

Signing up for a safe driver app can be one of the easiest ways to obtain a substantial discount on your auto insurance. This is because insurance providers use these apps to determine how safe of a driver you really are. Your ability to demonstrate safe driving habits automatically translates to more money in your pocket. This is because the safer you drive, the larger your discount will be. In order to qualify for the maximum discount, you will need to limit the amount of time you spend on the road during peak and overnight hours. You will also need to demonstrate safe braking and acceleration habits. 

Step #3: Bundle All Your Insurance Products

If you carry other types of insurance in addition to your auto insurance, the easiest way for you to qualify for a discount is to bundle all of these insurance products with one single provider. This type of discount is often referred to as a multi-policy discount and is awarded as a way of thanking you for being a loyal customer. The best part about this type of discount is that it will apply to both your auto insurance and your other insurance policies as well. 

For additional information, contact an auto insurance agency in your area.