Save Money In 2014 - Find Every Discount For Your Insurance Policy

People in Arnold, MO start out each and every New Year with several meaningful changes or plans to make “this year” better than the last. Some plans will probably involve better diets, lifestyle changes, read more, exercise more, journal more, spend more time with our family, and greater focus on how to be more fiscally responsible.

It’s hard to argue with being more responsible with where you spend your hard earned dollars. Insurance costs to protect our vehicles can be a major expenditure for lots of people.  It is just common sense to complete a yearly review where and how these controllable dollars are spent.
Steve's CARSTAR Auto Body Repair in Arnold, MO, also serving the folks of Oakville, Imperial, and Jefferson County, offers a couple of tips to help ensure your auto insurance premium dollars are spent in the most effective manner possible.

1.   When you have a clean driving record with no mishaps and no violations in the last three years you might qualify for a substantial “safe driver” discount. If you don’t see a discount of this type on the declarations page that comes with your renewal, ask your agent or insurance provider.

2.   Assuming you have good or very good credit you may qualify for additional discounts.  Ask your agent or insurance provider.

3.   When you have your auto and homeowner policies with the same insurance company you most likely qualify for another type of discount. Confer with your agent or insurance provider.

4.   If you have young drivers on your policy who are good students, generally a B average or higher, you may qualify for more discounts.  There's also discounts available for taking part in safe driving programs. Check with our agent or insurance provider for availability.

5.   If your vehicles have special accident avoidance systems you might qualify for further discounts.

6.   If you own vehicle(s) whose mix of age, miles and current physical condition has deteriorated to a point of lower value it might be time to consider self-insuring these vehicles. This means getting rid of collision and comprehensive coverage. This action necessitates careful consideration and should definitely include consultation with your agent or insurance provider.

7.   Changing the amount of your collision and/or comprehensive deductibles could be a choice to control your premium costs. Picking out a higher deductible for either coverage will lessen your premium. But it’s imperative that you understand this move will increase your financial exposure should a major accident occur.

8.   Many insurance companies are offering installed driving performance monitors that provide you a deep discount on your insurance for safe driving.  Consult your insurance agent on availability.

9.   If you've relocated, taken a new job or married or divorced during the past year, it may impact your car insurance.  Make sure you update your policies accordingly.

10.   One more tip to every insurance consumer would be to make sure you have a “what if I have an accident" pack in your glove box. This kit should contain a pencil, a pad of paper to write down accident details and witness contact details, your agent’s contact info, your current insurance card, a plastic camera, and emergency contact information with names and numbers of people identified as the people to call in case you’re injured.

Steve's CARSTAR Auto Body Repair hopes to be sure that everyone traveling in Oakville, Imperial, and Jefferson County are ready for the road in each and every way possible. If you live in Arnold, MO or the surrounding area and would like to have your questions pertaining to auto body repair answered, call Steve's CARSTAR Auto Body Repair at 636-464-6080 or visit our website: www.auto-body-arnold-mo.com.