Ask the Right Questions to Find Hidden Car Insurance Savings

| December 19, 2012

car insurance coverage

Driving can be expensive — help keep a little more cash in your pocket by getting a better deal on your auto insurance. It’s easy to do if you’re willing to do a little digging. Asking your insurance representative the right questions can help you find discounts you might not be aware and that many consumers don’t even know exist.

Let DexKnows help you find car insurance agents in your area so you can start shopping for some car insurance bargains.

Below is a list questions you should ask about next time you sit down with your insurance agent. Doing so may net you one or more of less commonly known auto insurance discounts, according to Bankrate.

  • Do you give discounts for certain job titles? If you’re a police officer, firefighter, doctor or dentist, you may be able to cash in on a discount, according to Bankrate. Farmers Insurance group gives these individuals and others discounts, and other insurers may also do the same.
  • Do you give discounts to employees at certain companies? Sometimes insurers pair up with businesses and offer discounts to their employees, according to Bankrate.
  • Can I save because I work from home? If your morning commute involves you walking from your bedroom to the living room, you may be able to save on your auto policy. Insurance companies are probably right when they assume you drive less than the average person who commutes to work, which could entitle you to pay less for your policy, says Bankrate.
  • Does my car qualify for a discount? It might if you drive an ecofriendly hybrid or one with solid safety or protection features, such as airbags or devices that protect against theft, according to MSN Money. Tell your insurance agent about any features your car has to determine savings.
  • Do you give discounts for good credit? If your credit rating is solid, you may be able to save on your insurance with something called a “financial stability discount,” according to Bankrate.
  • Can I get a student discount? If you or your child scores straight A’s on a regular basis, you may be eligible for a good student discount through some insurance companies. Often you’ll need a B average or better to qualify, according to MSN money.

Ultimately, if you’re looking for automobile insurance savings, you’ve got to take the time to do your homework and have a conversation with your insurance agent. Need help finding the right agent? DexKnows can help you find someone in your area who can spill all the details on savings you may be entitled to. Remember, if you’re looking to pare down costs, it doesn’t hurt to ask about discounts.

Tags: , , ,

Category: Insurance

About the Author ()