Auto Insurance AUTO

Auto insurance protects you against financial loss if you have an accident.

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Homeowners Insurance HOMEOWNERS

A standard policy insures the home itself and the things you keep in it.

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Flood Insurance FLOOD

Typical homeowners policies exclude flood damage. Get coverage now.

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Earthquake Insurance EARTHQUAKE

Earthquake claims are best covered with a standalone policy.

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Life & Health Insurance LIFE & HEALTH

Learn about different health coverage options that fit your needs.

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At Cliff Cottam Insurance we provide information that will help you make informed decisions when purchasing your auto policy.  We ran across a great article from Insurance Tips For U that answers some common questions. 

How to save money when buying auto insurance

1. Shop around : Companies are in the business to insure drivers. Understandably they all want to insure good drivers and if you are one shop around to find the company that will offer you the best rate.

Drivers with some driving infractions should also shop around. All companies are not the same and you will find that some are more forgiving than others when it comes to insuring risky drivers. It does pay to shop around.

2. Avoid Over-Insuring: Depending on the value of the car you drive you may not need certain types of coverage, such as collision coverage for an old car. Some times drivers with older cars only need liability insurance. 

This protects you if you for injury liability to others but does not cover damage to your own car. There is no point in paying say a $1000 for collision coverage every year if your car is only worth about $1000.

3. Deductibles : If you want to reduce your insurance premiums then select a higher deductible. Go for a lower comprehensive deductible. Comprehensive coverage is for damages such as windshield replacements.

4. Small Claims Filing : Sometimes it makes sense not to file for small claims, such as damage to your vehicle that is about the same or slightly more than your deductible. You need to decide for yourself in such cases if its worth paying for the damage yourself or filling a claim that will be on your insurance record for three years or so.

5. Multiple-line discounts : If you are a home owner insure your home and car with one insurance company. Make sure you ask for a discount as most companies offer multiple-line discounts.  
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Let us shop the insurance markets to save you time and help you find the right insurance for your personal situation.  Give us a call at (800) 807-6871 or complete our online Auto Quote form today!



Posted 6:03 PM

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