6 Quick Tips To Get The Most Out Of Your Auto Insurance

By: Advocate Brokerage


Whether you are insuring a family vehicle or a fleet of luxury automobiles, your insurance is there to help cover the unexpected. And there are things that you can do to make the most of your policy and save your hard-earned money along the way.

Today, Advocate Insurance Brokerage shares the top six steps you can take to extract maximum value out of your automobile insurance investment.


Pay on time.

Paying your auto insurance on time can help you avoid costly lapses, which can leave your vehicle without a safety net. Remember, a coverage lapse can result in an 11% or more increase, and that is assuming reinstatement is approved.


Follow the rules.

While we may not always understand the rules of the road, know that they exist for a reason. Following the speed limit, stopping at stop signs, and yielding to those who have the right-of-way are all great ways to avoid tickets and accidents. By driving safely, you’ll have less of a chance of receiving a moving violation and an almost assuredly increased rate.


Never drink and drive.

There is certainly nothing wrong with enjoying a night out on the town. However, you’ll want to make sure your night doesn’t end behind bars or with a DUI, which puts you in a high-risk insurance category for up to seven years. Instead, call a ride-sharing service. The small cost of safe transportation is much less than potentially paying double for your premiums.


Check your credit score.

Your credit score can do more than help you snag great interest rates. Almost all states look at your credit score to help determine a fair premium. Research studies have found that those with a higher credit score are less likely to file claims. And the fewer claims you file, the less you’ll pay.


Remember that your rate is vehicle-specific.

Even a driver with the cleanest possible DMV record may find their insurance rates put them up into the high-category risk when driving a car that’s known for high claims. Ask your insurance Advocate how the type of vehicle you choose as your daily driver can affect your rate.


Don’t file a claim for minor incidents.

Every claim counts. Consider paying out-of-pocket for minor issues, such as a dented bumper or chipped windshield. By handling these small circumstances outside of your insurance, you can avoid rate hikes associated with multiple claims.

Advocate Brokerage is dedicated to ensuring our valued clients have access to great insurance and information. Give us a call if you have additional questions or would like to discuss minor changes you can make to enhance your insurance experience.

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