Have you ever had the feeling that your are not getting cheap auto insurance from your current insurer? According to a new survey, you may be one of the many policyholders who are being overcharged. If your policy is coming up for renewal you should check if you are missing out on car insurance discounts to ask for. This will quickly show how your automobile insurer is pricing you.
All the discounts you can qualify for is listed in that page. If you have good driving records you have plenty choices in the market. Most companies offer good discounts for various reasons and some offer further discounts if you switch to them. It is best to find out your options instead of carrying the nagging feeling that you could save money on premium costs.
What the Surveys Say about Car Insurance Discounts to Ask for
A survey carried out by Harris Interactive on behalf of Progressive Insurance suggests that drivers deserve discounts and they do not seem to be getting or asking for. According to progressive about 40% of them could have gotten lower car insurance rates. If you round up that number for the US motorists it is approximately 70 million of them.
Findings are that motorists drive less hours than they initially told in their quote forms, they are safer and drive only sociable hours. These are the reasons why the company believes policyholders don’t know about auto insurance discounts to ask for and that is why they aren’t getting them.
In numbers, 50% of the survey participants say that they drive less than twelve thousand miles a year. It is less than the national average of thirteen and half thousand. Probably many motorists were automatically assumed to be making at least this many miles. Over 80% consider themselves to be cautions and defensive on the roads. Nearly 90% of participants never drive between midnight and four am which time period is considered to be most dangerous.
One Way of Proving You Are a Better Driver Than Most
The company believes in rewarding better drivers with lower rates. They come up with a new way of calculating premiums in their Snapshot program. Snapshot is a device fitted to policyholders’ vehicles and this device sends information about their driving habit back to the company. Premiums are calculated on the real information according to the hours driven and precautions taken, recorded by this device.
When a driver only goes to work and back at reasonable hours, do not make sudden stops, cross at red light or return home after late parting there is no reason for high premiums. If you are up for allowing the little gadget reporting the way you drive your automobile the savings are there for you. There are other companies that offer similar pay as you drive insurance if you are interested in giving this option full consideration. Telematics are great devices that will find out all the car insurance discounts to ask for and ask them on your behalf.
This solution is actually great for younger drivers and following a huge premium rise due to accidents. You keep low key for the next policy term and you are back on the market as a driver with one year no claim bonus. Then you can pick any company you like if you did not like Progressive or other companies offering similar telematic programs. Or indeed pick a traditional package from them.
Auto Insurance Discounts to Ask for Now?
Believe that there are other easy and cool solutions in the market when you just had a surprise rise on your renewal premium. You can unearth them on your own with the help of the Internet or see a broker to take it up for you. There are times that we are in desperate need of a few hundred dollars. Once you let it fly out of your wallet that money is never coming back no matter how desperately you need it.