I Quote Florida Insurance

This is the tenth installment of “10 Ways to Save Money on Your Auto Insurance”, which can be downloaded for FREE from www.culbertsonagency.com.

We have saved one of the very best ways to save money on your car insurance for our last eBook tip!

Family Plans are one of the most common discounts in the auto insurance world.

Almost every insurer has some type of family plan. By adding multiple cars and drivers together on the same policy, you can save money overall.

Restrictions may be different depending on which insurance company you use. Some require that all members on the plan be related.

Others might specify that all cars and drivers be in the same location (at least, part-time). Other plans are more lenient.

If you have a unique family situation, be sure to describe it in detail when asking about family plan discounts.

While using a family plan, you will notice that your total bill is higher (because you are covering multiple people). When you divide it out and compare to what each person in your family would pay if they had individual policies, you may notice savings as high as 20%.

Does it sound unbelievable?

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This is the ninth installment of “10 Ways to Save Money on Your Auto Insurance”, which can be downloaded for FREE from www.culbertsonagency.com.

Are you a member of a large group or organization? Being a member may qualify you for discounts on auto insurance. Sit down for a few minutes and think of all the groups you belong to, like:

• Professional societies and licensing boards
• Alumni associations
• Credit unions
• Banks, credit card issuers
• Fraternities and sororities
• Student organizations and honorary societies
• Military associations
• Professional development groups

Check to see if any of these groups have made arrangements with an insurance agency for group discounts. Many of them have!

Group rates are a way for insurance agencies to find new business by giving preferential treatment to members of certain organizations. It’s a great way for you to save money on your auto insurance without doing a thing.

You’re already a member, so all you need to do is declare your affiliation with the group that’s getting the discount.

You may also qualify for a group discount through your employer.

Large companies and organizations sometimes offer this type of benefit to their employees through a human resources or benefits department.

Ask your employer if they have any group discounts with an auto insurer.

If you would like to get a free quote or learn more about how you can save on insurance, contact us online or call (239) 210-7700.

-Brian

This is the eighth installment of “10 Ways to Save Money on Your Auto Insurance”, which can be downloaded for FREE from www.culbertsonagency.com.

How long has your current car been under the same insurance policy? Five years? Ten?

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This is the seventh installment of “10 Ways to Save Money on Your Auto Insurance”, which can be downloaded for FREE from www.culbertsonagency.com.

Your insurance company knows that if you are driving a safe car, there is less risk that they will have to pay out for major claims. Your car insurance policy will be priced differently depending on:

✓ What kind of car or truck you drive
✓ The overall condition of the vehicle
✓ The safety features that come with your automobile.

Safety features don’t only lower your insurance, they will also (obviously) keep you safer too! What kinds of cars are the safest?

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Many people never think about – or change – their auto insurance policy, despite the fact that life circumstances may change over time. For some people, it makes more sense to keep a low deductible on their car insurance, but for others, it would be wise to increase the deductible.

If you are a college student who doesn’t have a lot of spare cash lying around, then it may not be wise to set a high deductible. Would it really hurt if you suddenly had to pay $500 to fix your car? Would you be late on paying other bills?

Think about what price point would make you really uncomfortable. Take an honest look at your finances.

If you are a piggy bank maven, who has saved a lot of money, then you might be better off if you set a higher deductible. If you could imagine getting in an accident and not being bothered with a $1000 out of pocket deductible, then consider that as a limit.

The higher your deductible, the more money you can save on your premiums. However, be sure that you really can afford it. Accidents do happen, and you don’t want to be caught in an unpleasant situation where paying the deductible is a major hardship.

If you still aren’t sure what deductible is right for you, please ask us for advice.

At Culbertson Agency, we provide our customers with counseling on the various types of coverage they need. If you discuss your situation with us, together we can come up with a plan to perfectly fit your lifestyle and your budget!

Hope to talk to you soon,

Brian

This is the fifth installment of “10 Ways to Save Money on Your Auto Insurance”, which can be downloaded for FREE from www.culbertsonagency.com.

If you aren’t already familiar with the common terms in auto insurance, now is a good time to learn. When you understand what type of coverage is available in different insurance policies, you will be in a better position to decide how much you need. Arm yourself with this information and you may be able to save money on your policy!

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This is the fourth installment of “10 Ways to Save Money on Your Auto Insurance”, which can be downloaded for FREE from www.culbertsonagency.com.

Some of our customers have really caught on to getting the lowest rates for their automobile insurance. The trick is to consider all kinds of discounts. There are probably several you haven’t thought of yet. You may qualify for more than one! All of these special auto insurance discounts can add up to big savings when combined.

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This is the third installment of “10 Ways to Save Money on Your Auto Insurance”, which can be downloaded for FREE from www.culbertsonagency.com.

You may not have realized that your credit score doesn’t just impact your ability to get loans. It also affects your auto insurance rates. Why?

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This is the second installment of “10 Ways to Save Money on Your Auto Insurance”, which can be downloaded for FREE from www.culbertsonagency.com.

One of the best ways to save money on your car insurance is to keep a clean driving record. Insurers don’t like risk. If they see that you are a “risky bet,” then you will be paying more for auto insurance than your friends with better driving records.

The Department of Motor Vehicles (DMV) keeps your driving record on file. It includes things like your traffic tickets, accidents and other violations.

Insurance agencies use data from the DMV to rank your driving skills and risk level compared to other drivers. The more problems that are listed on your driving record, the higher your premiums will be.

Safe drivers without red flags on their records are an insurance agent’s dream! We love to insure people who drive safely because we know they are statistically less likely to be in an automobile accident.

Here are some tips for safe driving:

• ✓  NEVER drive under the influence of alcohol or drugs. If you are caught driving under the influence, your insurance rates will skyrocket.

• ✓  Be alert. Part of safe driving is watching out for other drivers. Periodically check your rear view mirror and blind spots

• ✓  Always use turn signals!

• ✓  Keep a safe distance between yourself and other cars. * Never, ever tailgate. Even at low speeds, it’s incredibly dangerous.

• ✓  Minimize road rage. Yes, driving can be painful at times, especially during the busy tourist season! Breathe deeply and think of your low insurance rates!

• ✓  SLOW DOWN. Obey speed limit signs and always slow down even more in bad weather. Car accidents are incredibly common with slippery roads.

• ✓  Don’t take calls on your cell phone in the car. Don’t text on your cell phone in the car. If you need to talk or text, pull over in a parking lot. Finish your business, then go back to driving. Don’t risk your life to talk on the phone. It’s simply not safe.