You’ve just received the notice that your auto insurance is about to auto-renew for another term. Normally, you would sit back and let it happen. This time do something a little different. Settle in with your policy and take a good look at the provisions found within your St. Augustine auto insurance plan. It may be time to make some changes, especially if what follows applies in your case.
You’re in a Position to Go with Lower Deductibles
When you first secured the coverage, keeping the premium as low as possible was important. That’s because you were living on a tight budget. In recent years, your income has increased significantly. Simply put, you can afford a policy with lower deductibles now. Why not talk with an agent and make a change? If you do end up in an accident and need to file a claim, it will be nice having less to pay out of pocket.
The Way You Use the Vehicle Has Changed
You used to do a lot of driving in order to get to and from work. These days, you work from home. In fact, the car may remain in the driveway for days on end before it’s used for anything. Check with the provider of your St. Augustine auto insurance and see if this will make any difference in the premium. It’s not unusual for providers to offer some small discount to clients who do not use their vehicles to get to and from work.
You Forgot to Take the Kids Off the Policy
It made sense to add the kids to your St. Augustine auto insurance policy when they were teenagers. Since they’ve been on their own for a couple of years now, there’s no reason to keep them on that plan. Removing drivers who are no longer part of the household could result in a reasonable reduction in your current premiums.
If your auto insurance is due for renewal, don’t automatically let it roll over into another term. Take a good look at the coverage and determine if the coverage is still right for you. If not, take that as a sign to compare what you have with other options. You could end up with a policy that’s provides everything you need and comes with a lower premium.
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