Save Money In 2014 - Find Every Discount For Your Insurance Policy

A lot of people in Maryville, Illinois start out each and every New Year with a variety of important changes or plans to make “this year” better than the previous one. Many of these plans might involve better diets, lifestyle changes, read more, exercise more, journal more, spend more time with our family, and more focus on how to be more fiscally responsible.

It’s hard to argue with being more responsible with where you spend your hard earned dollars. Insurance costs to protect our automobiles can be a large expenditure for many individuals.  It makes sense to complete a yearly review where and how these controllable dollars are spent.

Kurt's CARSTAR Collision Center in Maryville, Illinois, also serving the folks of Edwardsville, Troy, Collinsville, Glen Carbon, and Highland, Illinois, offers a few tips to help ensure your auto insurance premium dollars are spent in the most effective manner possible.

1.   Assuming you have a clean driving record with no crashes and no violations in the last three years you should qualify for a major “safe driver” discount. If you do not see a discount of this type on your declarations page that comes with your renewal, ask your agent or insurance provider.

2.   If you've got good or very good credit you might qualify for additional discounts.  Consult with your agent or insurance provider.

3.   If you've got your auto and homeowner policies with the same insurance company you most likely qualify for an additional type of discount. Check with your agent or insurance provider.

4.   If you have young drivers on your policy who are good students, usually a B average or higher, you may qualify for more discounts.  Additionally, there are discounts available for getting involved in safe driving programs. Talk with our agent or insurance provider for availability.

5.   If your current cars or trucks have specialized accident avoidance systems you might be eligible for additional discounts.

6.   If you have vehicle(s) whose combination of age, miles and current physical condition has deteriorated to a point of lower value it might be time to think about self-insuring these vehicles. This means removing collision and comprehensive coverage. This action necessitates careful consideration and should definitely include consultation with your agent or insurance provider.

7.   Changing the amount of your collision or comprehensive deductibles may also be a method to control your premium costs. Selecting a higher deductible for either coverage will decrease your premium. But it’s vital that you understand this move will raise your financial exposure should a major accident take place.

8.   A number of insurance companies are offering installed driving performance monitors that offer you a deep discount on your insurance for safe driving.  Check with your insurance agent on availability.

9.   If you've relocated, taken a new job or married or divorced in the past year, it may impact your car insurance.  Make sure you update your policies appropriately.

10.   A final tip to each and every insurance consumer would be to make sure you have a “what if I have an accident" pack inside your glove box. This pack should have a pencil, a pad of paper to jot down accident details and witness contact info, your agent’s info, your current insurance card, a disposable camera, and emergency contact information with names and numbers of people identified as the people to call whenever you’re injured.

Kurt's CARSTAR Collision Center would like to make certain that everyone traveling in Edwardsville, Troy, Collinsville, Glen Carbon, and Highland, Illinois are ready for the road in every way possible. If you reside in Maryville, Illinois or the surrounding area and want to have your questions about auto body repair answered, call Kurt's CARSTAR Collision Center at 618-345-4519 or visit our website: www.auto-body-maryville-il.com