How to Get the Best Auto Insurance for your Buck

As a vehicle owner, you spend a lot of time caring for your car. From oil changes and regular maintenance to washing and cleaning, you know that a little TLC now and then can help you avoid costly repairs and improve your car’s longevity. Likewise, a little time and attention paid to your auto insurance policy can help you save money, while also giving you peace of mind. Check out these eight tips from the agents at BHFCU Insurance to help ensure you receive the best auto insurance policy for you. 

Compare Multiple Quotes
While this may seem obvious, you may be surprised by how much the premiums and coverage options can vary between insurance companies. You can easily request a quote from most insurance agencies by filling out a simple form online or through a 10-15 minute phone call.

If you’d rather avoid making numerous requests, a BHFCU Insurance agent would be happy to help you with your comparison shopping. BHFCU Insurance offers several insurance carriers to help you find the best fit for your needs.

Adjust Your Deductible
You should work closely with your agent to determine how much a higher or lower deductible will impact your overall costs and coverage. Depending on your financial situation and coverage needs, you may be able to save more by choosing one over the other.

Reduce Your Coverage
As your car ages and life circumstances change, you may be able to save money by reducing your coverage. We recommend that you regularly review your auto insurance policy with your agent, as you may be paying for more coverage than what you need.  

Combine Your Policies
If you have policies with multiple insurance companies, you may want to consider combining them under one company. Doing so can not only help you simplify your finances, saving you time and money, but also qualify you for some great discounts.

Ask for Discounts
Speaking of discounts, be sure to take advantage of the great money-saving offers your insurance provider may have available, including low mileage, multi-vehicle, paperless, accident/violation free, and good student discounts. Be sure to ask your agent about the discounts they offer.

Consider the Car You Drive
Before you buy your next vehicle, make sure to consider your insurance costs. Our agents recommend that you always call your provider to receive an estimate before finalizing any paperwork with an auto dealer.

Improve Your Credit
Insurance providers often use your credit history to help determine how much you’ll need to pay. Improving your credit score can make a huge difference in your overall costs. Learn more about your credit history and the other factors impacting your credit score.

Drive Safely
By avoiding accidents and traffic tickets, you can help ensure your payments remain low. Additionally, some insurance providers have programs that allow you to reduce your bill if you allow them to monitor your driving habits. See if you qualify for one of these great programs!

While saving money is always nice, it’s important to work closely with your insurance agent to build the best policy for your needs. Our agents would be happy to help you work through your options to find the best coverage and rate. Contact an agent today to take advantage of a free insurance review