Does this sound familiar?
You've been a responsible driver for many years, but you notice an upsetting pattern; every year your car insurance premiums creep upward. What's going on? What are you doing wrong? Well, the answer may be "nothing." Remember that the cost of providing insurance, as it is with other products and services, may increase for various reasons. Factors that can affect car insurance premiums include the following:
What these items have in common is that they're out of your control...so don't worry about them. However, you do have some control over what happens with your premiums. It may be time to step back and take a fresh look at your car insurance. How do I evaluate my situation?
A good first step is to gather your insurance records and any other car-related information. Next, determine if circumstances have changed since you last dealt with your coverage. Consider your cars or trucks, how they're now used, who are the drivers and your driving experience. Once this information is handy it's time to call your agent. What should you discuss? Well, here are some areas to consider:
(See: So Your Child Just Got a Driver's License)
The best way to discuss your insurance needs is to be open and honest with your agent. Giving your agent accurate information puts him in the best position to make certain that you get the best available premium. Carefully answer your agent's questions and provide complete details about any tickets, accidents, or violations in your driving history. This approach also applies to information about who drives your cars and how the cars are used. Finally, your agent is a terrific resource for handling errors about your account or which may be shown in your driver records. . . so use their expertise.