Changes in circumstances may require a little more car insurance coverage but there may not be much room for premium increase. Also, it is normal to feel that you should get a little more for your money, especially if you haven’t made a claim for sometime now. There are a few ways of getting extra protection without additional cost.
The first option should be looking around for lower auto insurance quotes. There could be another similarly nice carrier that offer better prices or coverage. Neither the prices nor the packages offered are the same from one company to another. Comparing the rates is always a good idea even when you are not looking to switch. One way of attracting new policyholders is by coming up with special packages.
Failing that, you can look at other options available. The first one is to increase deductibles. Generally, premiums come down when the deductibles increase. This is a good way of keeping the coverage you like or adding to it. The downside to it is that you will be paying a little more out of pocket if you have a claim. You need to assess the likelihood of a claim and savings can be obtained and decide if it is worth the extra risk.
The second option is to see the mileages you covered last year and assess how many miles you will do next year. If the mileage is down you can ask for a discount and probably get it. The chances of accidents go down when the car is parked safely at home. Next you should look at the current value of the vehicle insured. If it is lower than listed in the policy you could bringing it in line with the actual value and save money. They only pay the market valuation anyway. Saving on the parts you do not need will spare some cash to buy what you need.
A good alternative is to talk to an agent and ask how you could bring the costs of insuring your automobile down. Often there are special offers to take advantage of. For example, taking an online safe driving course can save you money. This could be offered free of charge by your current carrier. Asking is the best thing you can do.
Furthermore, you can ask for straight discounts. If you are a good customer with no claim and paying promptly there is no reason why an agent wouldn’t be willing to looking into save you a few dollars here and there. Companies do keep some of the discounts to offer when they are cornered by a competitor.
When a policyholder is likely to leave because of a better deal somewhere else agents can match automobile insurance premium on the table should they wish to do so. If you are only asking little extra for free they may be more inclined to oblige. Ask and you may be given. Don’t try and you will never know what you can get away with.