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1.

Opt for a Stable Insurer
While most insurers provide fair settlements, time is money too. Be sure the carrier you choose has a reputation for fast claim service.

2.

Don't Over-Insure
Choose only the coverages you need. For example, if your car is over 5 years old, maybe you should drop collision insurance.

3.

Don't Under-Insure
Saving a few dollars up front could cost you a significant amount of money at a time of loss.

4.

Select the Right Deductible
By "self insuring" what you can afford, deductibles can save you significant premium dollars.

5.

Choose the Appropriate Limits
Don't underestimate jury awards - often they are astronomical. Consider liability coverage carefully.

6.

Excess Liability
This is economical coverage that picks up where your auto (and homeowners) liability leaves off. It can save huge amounts in the event of a large judgment against you.

7.

Ask About Discounts
Some insurers offer multiple car discounts and safe driver discounts -- even discounts based on years of experience or retirement status.

8.

The Comprehensive Coverage Question
Without this option, you will not be paid for theft, fire, vandalism or other losses out of your control.

9.

Uninsured Motorist Coverage
This is an important dollar saver in the event you are a victim of a hit and run driver, or one without insurance.

10.

Towing and Replacement Vehicles
Following an accident, without this coverage, you might have to go "out-of-pocket" to move your auto or rent a replacement car.

11.

Collision Coverage
If you have a car loan, this insurance is required but you should protect your interests too in the event your car is badly damaged by unknown persons.

12.

Talk to Us!!!
Most Important. We are independent agents representing several companies that want to compete for your business. We "shop" for you.

When you consult with us, we'll help you make all of the right auto insurance decisions. Most important, at a time of loss, we represent your interests, not those of the insurance company. In the event you have a claim, you can count on us to work with you for a fast, fair cash settlement.

 

 

12 Ways to save when you buy Homeowners Insurance

GV&Y Insurance Agency, Inc. All rights reserved.
Last Updated 2012
Site created by Sarah E. Kudirka
www.gvyinsure.com

 

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