Spring-Cleaning Tip: Refresh Your Car Insurance Coverage

While the winter months have a unique beauty and flair in them, the mud, slush, and salt left behind are not so enjoyable. Spring is a season of new beginnings and a great time to refresh your insurance coverage. Even if your current coverage is not so bad, a little bit of research can get you to the next level with a plan that provides the best coverage for the best price.  

New Options

Those who review their car insurance options regularly get amazing deals. It’s a great way to find out whether you are overpaying. You can compare quotes from different providers, and make it a priority this spring. The price tag is not the only thing to consider when shopping around. There are also deductibles, liability limits, and so on. Are road assistance, rental coverage, disappearing deductibles or accident forgiveness included in your new plan? Lastly, read what people say about the insurance company. It’s true some reviews can be misleading but that’s something you will figure out after reading a couple of them.

Bundle Your Policies

Some people may be currently paying multiple policies. It’s important to do a little research first and find out whether you can save some by consolidating all your policies with one insurance company. You can bundle your tenant, home, or rental insurance with policies for other vehicles, your RV, etc.  

Your Payment Plan

You can save up to 9 percent on your premium when you pay your insurer in one lump sum rather than the usual monthly installments. Many insurance companies adopt this approach since it guarantees them business for a whole year and they can also save on administrative costs.

A Higher Deductible Could Be Your Ticket

Many times, higher deductibles mean lower premiums. Just make sure you check your finances and have enough saved up to cover the costs of your new claim. You can open an emergency savings account. Studies prove that families that plan for large, irregular expenses, like saving for deductibles after an accident, are 10 times more prone to being financially stable than families that don’t.

Available Discounts

You can ask your insurance provider for available discounts such as good student discounts, defensive driving discounts, multi-car discounts, and safe driver discounts.

It’s amazing how a few small changes can result in big savings. So, take your time and don’t forget an important spring-cleaning tip: review your policy. Talk to one of our licensed agents today about ways you can improve or save on your auto insurance coverage this spring season.


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