How Can I Lower My Insurance Rates?

There are quite a few ways to do this. One of the easiest is to shop around for better rates. Another way to lower the cost is to look for discounts. Most companies will give discounts for multiple cars on the same policy, transferring from an existing  policy and completing certain DMV approved driver safety courses.

Another way is to increase the amount of deductible you carry. If you do this be sure you have enough money to handle the additional cost.

Insurance from the Inside Out

As a straight consumer of insurance I never fully understood the inner workings of what it takes to write a policy.
I've been marketing Survival Insurance Brokerage since the beginning of the year and everyday more and more info comes my way as to how the business of insurance really works.
For example, a company like Geioco writes there own policies with there own "products" and so do most of the larger insurance companies. It's smart for them in the way they don't spend as much marketing the policy as say Survival Insurance does. They have a very large budget because they're not paying commissions on those policies.
The downside for the consumer is when they go to a Geico or other single insurance company they don't get the benefit of what a brokerage does - which is shops around for you and they can pick and choose where to get the best rate and coverage for their customers.
Of course the Geico's of the insurance world will tell you they don't pay broker fees so you get a better deal, but...you may not get the best coverage or price...you get only what they have to offer.
Marketing a brokerage is an interesting project because for years I also thought you couldn't get the best rates from a brokerage because of all the PR the General Insurance Companies have thrown out to the public.
But after closer look for a few months, it is actually the opposite. Really!!

Twitter Blog: Shaq Attack!

Twitter Blog: Shaq Attack!

Can you save money on Insurance?

Yes, you can by having a professional agent shop around for you. They know more about the ins and outs of policies than most of us.

Buying a new car?

When you buy a new car, check out how much the insurance is going to cost. Premiums are based in part on sticker price, the cost to repair, safety record and probability of theft.

What about deductibles?

Deductibles  represent what you could pay before the insurance policy does. If you have a higher deductible your payments will be lower.

Save money on older cars.

At a certain point it doesn't pay to have collision on an older car. It may not be cost effective to continue paying insurance premiums that are ten times more than the cost of the car.

Discounts and Discounts.

You will save money if you purchase your home owners and auto insurance from the same company. Chances are very good you'll get a discount. Multiple vehicles on a policy will most likely give you a savings as well.

Keeping it in the garage?

If you're driving fewer miles than the average per year by the general population you'll be able to get a discount here as well.

Group Coverage.

Companies may also offer group plans such as for businesses, alumni groups and other associations.

Ask for discounts.

You may be surprised how many companies have discount programs such for age groups over 50 and for retirees. Also, if you are a student and also if you have good credit because statistics show that drivers with better credit standings have fewer accidents than those whose credit ratings are not stable.

Check out Survival Insurance on the web at: www.survivalinsurance.com for discounts.

The New Trend in Looking for and Buying Auto Insurance

More and more people are using the internet to purchase all sorts of things including their auto insurance. It's easy, you can shop from your own computer and it's all in writing when you print it out and show it to the agent. (Should you need to).

Most insurance companies have very sophisticated sites now that track all inquiries and direct all them to call centers for agents to contact the lead quickly. This is a good thing but sometimes it's very difficult for the company to finalize the policy because there may be important questions about the insurance that have to be answered and the customer may feel like they don't to connect via phone and can't understand why the request can't be completed online.

This can cost a customer hundreds of dollars if they decide to go elsewhere when the agent is trying to make sure they're giving them the best deal and the correct coverage.

The next time you need insurance and start the process online, don't be shy if an agent requests you to contact them...it can save you money and who knows...they may become another friend on your facebook account.

Call Survival Insurance Brokerage at 800-SURVIVAL or click here: www.survivalinsurance.com