Teen Driving Tips

Simply stated, the multi-car /vehicle add-on discount is given to those drivers who insure all their vehicles (a couple of) with one insurance company. Those who insure their cars, vans, pickup trucks, mobile homes, snowmobiles, trailers, and campers with similar company have a discount of around 40 percent than these who insure their vehicles separately. The sole exception to this rule is that motorcycles, mopeds, dune buggies, and motor scooters are not classified as private passenger vehicles but rather as separate entities and should be insured using their own individual policies without finding the benefit of the 20 % discount.

savings, money, insuranceI came across these shocking conditions within my first years being an insurance agent and also, since then have devoted myself exclusively to improving the forgotten and bewildered auto insurance policyholder. For example, one case I handled concerning a twenty-two-year-old mother who was simply paying $700 annually by being viewed as under twenty-five and unmarried. I used to be able to insure her at a lower price.

I had another case in which a twenty-six- year-old married man had been billed for $980 a year simply because he had received one minor moving violation during his entire driving lifetime. After reviewing his situation, I used to be able to reduce his premium in two!

Then there was clearly the case of a senior citizen who stood a perfect record but was told through I was reading this his representative that his car insurance company wasn’t any longer doing business in New York. He was informed he had to be put into the assigned risk pool, that doubled his premium. I used to be able to rescue the indegent man out of this fraudulent scheme and he regained his original rate.

Even if one is luckily enough not to be victimized such as the preceding cases, at any moment, and in a geographic area, even under identical circumstances and with identical coverages, the car insurance rates among insurance firms can vary tremendously. For example, if you check around for auto quotes from companies A, B, C, and D, you’ll be shocked to find out that although company A’s rates are $800 a year, company B’s $650 and company C’s $750, while company D has got the lowest rate with simply a $600-a-year premium.