The search for an auto insurance policy should not be so complicated as it seems sometimes, if consumers have in mind five points that always determine how much you pay for this mandatory need.
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Roshawn Hall, an insurance agent licensed in New York and seven other States, has years of experience in the sale of insurance policies and claims, and offers this list of tips to save money.
“Consumers always suspect the process in which face them a calculation about the cost of a policy of safe and that is understandable, considering how complicated it can be,” said Hall.
One of the biggest problems that Hall was detected in the current market is the large amount of information available on the Internet that sometimes can confuse consumers or entangle in a sea of offers which may have all the necessary information, false promises and especially the low possibility of getting bids presented Online.
“We have discovered that consumers looking for a new auto insurance policy need to feel with the power needed to control the cost and terms of the contracts added Hall.” There is little clear information Online regarding this, but these tips are common knowledge among insurance agents. Surprisingly, millions of consumers who need them, not know them.
Hall said that all consumers who are looking for an insurance policy for your new or used car, must have in sing these five points to be sure (redundancy intentional) that will get what they need at a fair price.
When it comes to contract an insurance policy it is important to present all the information related to the driving of the driver record.
This includes all infringements of traffic and accidents, with details such as date and disposition of the case. Insurance companies may charge a “penalty” (Discovery Penalty) 10% for not briefing on infractions or accidents, and additional charges for unrevealed traffic code violations.
To avoid this problem, consumers must obtain an official report of the transit Department (Department of Motor Vehicles) on their driving record. It is also convenient to obtain a report on the history of claims (Claims History Letter) former insurance agency where they are changing from supplier to achieve greater savings.
Although very few consumers take it into account when buying auto insurance, the higher level of education, typically reduces the price of the policy. Therefore, it is important to inform the agent about all titles obtained up to the date of the signing of a contract and even courses that are registered at the time of the signing. All titles on specific courses to certain professions may qualify for additional discounts.
Consumers should be completely specific reporting their profession or occupation in their own business, buying an insurance policy. For example, titles with more specific terms such as “Financial manager” (Financial Manager) can often result in additional discounts in comparison with a generic title like “Manager” (Manager). The same goes for a title such as “certified nurse Assistant (Certified Nursing Assistant) in comparison with “Nursing Assistant”(Nursing Aide).” It is also important to inform about change of work, since the new occupation can be result in an additional discount.
Best score in the history of credit, increased savings in the insurance policy. However, if the consumer knows in advance that score is low, can reject an assessment when it comes to contract an insurance policy, which could result in a price lower. It is also possible to get an estimate on the cost of the insurance policy to report credit and without it, and then choose the most appropriate.
It is possible to receive a credit or an additional discount if the consumer has another insurance – for example, for the home-policy, or if it appears as part of the policy of another person. This includes the policy of insurance company driving a vehicle of the company as part of the job, or even if the name appears in the policy of a family member or a friend, even if it’s only for a day.
All these tips can result in significant savings for consumers, said Hall, who recently launched the site of Internet ChooseMyPolicy.com, where he published calculations on the price of insurance policies free of charge.
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