Women’s Independent Press

Renewing your auto insurance might be one more thing on your ‘to do’ list, but have you considered that your auto insurance policy might be outdated, potentially costing you money?  Just like many other things in life that need periodic upgrading, the insurance coverage for you and your family’s transportation is paramount.  With the increasing amount of driving the average women is now doing, correct auto insurance coverage ranks high in importance. 

 

Life is constantly changing, and our paperwork needs to keep up.  Consumers often only review their car insurance when purchasing a new vehicle, but when renewing an insurance policy on the same vehicle over several years, they can overlook cost-saving changes that are needed to match their present lifestyle, driving habits and any vehicle equipment upgrades.  

Auto insurance policy updates to consider include the following:

Lifestyle Changes:  Have you gone through any of these changes in the last year, mid-way through your policy term?

·      different route and mileage to/from work, or not driving to work at all anymore and pleasure use only;

·      the number of passengers that travel in your car vs. driving alone;

·      a move to a new geographical location with different weather (more snow) and heavier traffic;

·      new equipment in your car that could result in discounts (see below).

Discounts:  Be sure to take advantage of the many discounts available that may apply to you; they can make a significant dent in your premium payments.

Vehicle Safety Equipment Discounts:

·      front and side air bags in front, passenger or back seats;

·      day-time running lights;

·      anti-theft devices;

·      keyless starter;

·      back-up rear view monitor/camera;

·      wireless tracking devices that monitor your driving behavior – these are installed by the insurance company themselves at your request and gauge actual mileage and speed driven;

·      alcohol sensors that do not allow a car to start if the driver is under the influence.

Vehicle Discounts:

·      cost paid, or estimated to be paid, for your car;

·      VIN, Year, Make, Model, Body Style of car;

·      safety equipment standard on car.

Driver Discounts:

·      your age, gender and driving record;

·      low mileage;

·      car pooling;

·      women as head of the household;

·      college student who lives 100 miles away from home that does not have a car on campus;

·      taking adult and  student driver education courses;

·      bundling multiple vehicles or drivers from the same household, or bundle your auto, life and home insurance with the same carrier.

 

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