Who doesn’t love a good bargain?  Shopping for car insurance is no different.  In fact, with so many car insurance discounts available, you are more likely to find a few that will help lower your insurance premiums.  Check them out and don’t forget to ask your car insurance company in Salt Lake City to help you save money today.

Safety

Purchasing a car with safety or security equipment is a good place to start.  Many features are worth considering to get a discount, as well as saving your life.  Anti-lock brakes, air bags, daytime running lights, rearview cameras, blind spot detection, anti-theft systems and recovery systems, tire pressure monitoring, and emergency response systems all provide additional safety.  Even adding some security or safety features to your car yourself, if you don’t already have them, can help you save as well.

Good Driver

Yes it pays to drive the speed limit!  Having a clean record, no traffic violations, and avoiding at-fault accidents can lead to great savings on your car insurance.  Some companies offer “pay as you drive” rewards and your premium is determined by your usage.  Taking a driver’s education course or a defensive driving training can even get you a discount.  It varies from company to company so be sure to ask your car insurance company in Salt Lake City if this applies to you.

Bundling/renewal

Having the same company insure your home, cars, boat, motorcycle and life, can often save you money.  The more you bundle usually leads to a greater discount on each policy.  Even insuring more than one car can lower your premium.  Being a long time, loyal customer can pay off big time when it comes to car insurance.  With “early renewal” bonuses and discounts, think twice before switching companies.

Low mileage/usage

Things to consider when asking for a low mileage discount include the following:

  • do you live close to your work
  • do you carpool
  • are you retired
  • have you purchased a second car for running errands

You may have to sign up for a “pay as you drive” program to track your usage to qualify, but if you do, you can reduce your premiums by up to 50%.  Check with your car insurance company in Salt Lake City to make sure it is offered in your state.

Occupation/memberships/military

Did you know that having a “low risk” occupation could save you money on your car insurance?  Maybe you belong to a professional organization or alumni association.  Even some credit unions and auto clubs offer discounts on auto insurance.  Are you or a family member an active or retired member of the military?  Be sure to inform your insurance company of your education and career, military status, and ask for a list of approved groups.  They will be able to help you get the discounts that apply to you.

Good student

A good student discount applies if you, or your child, do well in school and receive good grades. Insurance companies consider you at lower risk and less likely to get into accidents so they reward you by saving you money.  Make sure you ask your car insurance company in Salt Lake City for qualifying details.

ASA Insurance provides excellent coverage for auto insurance in the Salt Lake City area with the lowest rates to the English and Spanish communities . Affordable rates and superior service for all home, auto and business/commercial insurance needs.

You may eligible for one or all of these discounts and that can add up to some really big savings.  Make sure you apply for all the discounts you qualify for and you will be well on your way to affordable car insurance coverage.

{ 0 comments }

Car insurance is a necessity that can end up costing consumers thousands of dollars every year. By using these simple auto insurance tips you could lower your premiums and end up saving a pretty penny at the end of the year.

Check Your Credit Score

Many people don’t realize that their credit score can have a huge effect on their insurance rate. Most car insurance companies are now using your credit score more often to determine your premiums (along with a host of other factors). Typically the lower your credit score, the higher the rate and the premium you have to pay. Whether it is fair or not, the belief is that responsibility with finances translates into responsibility into all other factors of life, including driving. Knowing your credit score before you start shopping around and negotiating will give you a lot more leverage over the situation.

Request a Review

If any significant changes have recently occurred, asking your insurance provider to review your account will bring it to their attention. Positive changes that could save you money could include a bump in your credit score, a safer vehicle or safety installments like anti-lock brakes, moving to a safer part of town, or driving trends like carpooling or a shorter commute to work.

Shop Around and Negotiate

Get quotes from all of the major insurance companies, even if you already have a provider. Shopping around never hurts and often it can be used as a way to tell your provider “Well this company has offered me a comparable policy at this lower rate.” Silence is often your best friend when it comes to negotiating your premiums; wait for the representative to offer deals and incentives that may not even be offered online or through other ads. Just make sure that you compare auto insurance quotes before you settle with one provider over another.

Talk On the Phone and Get Personal

It is easy in this tech savvy world to use the internet for almost everything and anything, but do not use it as a crutch when shopping for car insurance.  Online tools and basics will only show you the basic packages and costs. Sometimes finding the promotions that can help your specific circumstances is best done over the phone where you can actually create a dialogue with a representative

Higher Deductibles = Lower Premiums

If you can afford it and do not think you are at risk of needing a low deductible, offering to pay higher deductibles is one of the easiest ways of lowering your premiums. A $200 deductible rate will anywhere from a 15-30% higher premium rate than a $500 deductible. If you do not need your car repaired or serviced often this can add up to savings quite quickly. Once again, just be sure you have the funds to cover your deductible payment in case you do get into trouble.

Utilize these auto insurance tips to lower your premiums and save money. Be sure to take the time to find the coverage that is right for you and try to negotiate a lower premium with your provider. Remember, they will not help you if you do not ask.

Edward Oberg left the insurance industry to begin his career as a freelance blogger. When he’s not writing about car insurance, he’s working on his backgammon skills or watching the latest episode of Sons of Anarchy.  

{ 0 comments }

As a truck driver, your fleet management company mostly takes care of insurance on your behalf. But, when you choose to become an owner/operator of your own business or fleet, you’ll need to invest in good insurance coverage to keep your drivers and your trucks safe on the roads. Not sure where to get started? Check out this list of common types of insurance benefits for owners/operators of trucking fleets.

Primary liability insurance or primary auto liability is one of the most important and basic types of insurance for truck drivers. Every carrier is required by law to have liability insurance on every truck in his or her fleet. This insurance covers any damages or injuries that might occur to the driver or truck in the event of an accident. This insurance also covers any injuries or damages sustained to a third party. Primary liability insurance should cover up to $750,000 in damages or injuries if your driver is found to be at fault. This amount is the minimum base number. Any damages or injuries that exceed the required $750,000 minimum would come out of pocket, so it’s wise to invest in an insurance amount that will completely cover your entire fleet.

General liability insurance provides coverage for your truck when it or the driver is not on the road. This type of insurance will cover any accidents that might take place at rest stops, in parking lots or while loading or unloading at the dock. General liability insurance also covers vandalism to your vehicle and theft of goods or on-board technology like your EOBR or fleet tracking systems. This insurance could come in several small packages that you can pick and choose from or as one general package. Talk to your insurance provider about which option is best for your fleet.

Cargo insurance will cover the cost of any damaged or lost freight while the truck is in transit. The amount of cargo insurance you need to purchase depends on the type of freight your fleet hauls. The minimum amount of cargo insurance is $100,000. If your fleet hauls more expensive goods, you will want to purchase more than the minimum amount. Talk to your insurance provider about how much insurance you need to purchase and be sure to read the policy carefully. This type of insurance often has many exceptions, including unattended vehicle clauses and maximum theft limitations.

Terminal insurance and warehouse legal insurance will keep your freight protected from theft, fire, water damage or more while it’s at a terminal or warehouse. In the event of a loss or damage, this type of insurance can help cover the cost of replacing or repairing any damaged freight. Terminal coverage typically has time limits, like a 72-hour maximum per load. If your freight will be in a terminal for longer than 72 hours, you might want to purchase warehouse legal coverage to get longer-term protection. Be sure to speak with your insurance agent and read your policy carefully as the amount of coverage depends upon the total amount of freight that’s current stored, docked or off-loaded at any specific time.

Non-trucking Liability Insurance: Non-trucking liability insurance would cover your driver’s truck when they’re not out on a route. It will cover accidents that happen at home in a driveway or at any time when the driver isn’t working. Generally speaking, this type of insurance is the driver’s responsibility — and it’s wise to encourage your drivers to invest in this insurance.

Be sure to know your legal requirements before you begin shopping for insurance. Primary liability insurance is mandatory across all 50 states. If you or one of your drivers is caught without insurance, you could end up paying expensive fines and your driver could lose his/her Commercial Driver’s License. Investing in adequate insurance coverage now can save you time and money later.

 

{ 0 comments }

What Obamacare Being Moved Back Means for Business Owners

September 19, 2013

Earlier this month, it was announced that the Obama Administration has decided to move back the implementation of the employer mandate known more commonly as the Affordable Healthcare Act. Previously set to go into effect in January of 2014, the implementation of the new law that businesses with over 50 employees must carry health insurance […]

Read the full article →

Questions to Ask Before Taking Out Insurance Coverage

September 18, 2013

The reality is that life is unpredictable. Whether the focus is health, relationships, employment or anything else, it’s impossible to predict the future. This reality created the insurance industry, as people around the world scramble to find adequate coverage for wide ranging circumstances and situations. People in the USA consult insurance companies like Blue Shield, […]

Read the full article →

What’s so Different? UK and US Auto Insurance Laws

September 17, 2013

The concept and reality of car insurance emerged around the same time in both the United States and the United Kingdom. Before widespread insurance coverage, driver-at-fault accidents were considered criminal acts. Generally, these weren’t malicious collisions, so labeling the parties involved as a criminal soon seemed a little drastic. It was from that understanding that […]

Read the full article →

End of Life Planning with Pre-Need and Funeral Insurance

June 25, 2013

While it is certainly a morbid topic to discuss, avoiding end of life planning or putting it off can make a bad situation worse.  There are options available to help with the financial burdens that come along with end of life planning.  Besides life insurance, there is also pre-need insurance and funeral (or sometimes called […]

Read the full article →