Shopping for car insurance is never a fun task. If you are like me, you probably have needed to check your rates for a long time and have been putting it off. Or maybe you are a new driver and need to purchase auto insurance for the first time. Maybe you are driving without insurance, and you need insurance fast. Whether you don’t have the time or you don’t know where to start, Insuressense can help. Just give us a quick call, our agents are standing by. You’ll be asked some basic information about yourself and your driving record and will have a quote for insurance in minutes. It’s easy and it doesn’t take all day.

Car insurance gives you peace of mind that if you are involved in an accident it will not result in devastating expenses or legal problems. No one likes to pay for insurance, sometimes it feels like you are paying a lot of money and getting nothing in return. That all changes when you have an accident. Instead of dread and panic, you can relax knowing that you are covered. It’s illegal to operate a motor vehicle in the United States without insurance, so if you aren’t covered, take the time now to make the call and do the right thing. We’ll make sure you pay as little as possible while getting the right coverage for your vehicle.

There are many discounts available to drivers through the different auto insurance companies. Be sure to ask your insurance agent if you qualify for any of these common discounts:

• Good Student Discount
• Multi-car Discount
• Multi-policy Discount (if you have home or renters insurance with the same company)
• Good Driver Discount
• Drivers Training Discount (some insurance companies have online driver safety courses that will allow you to qualify for a discount)
• Senior Citizen Discount
• Dash Cam Insurance Discount.
• Telematics Device Discount ( like Progressive’s Snapshot device)

Each of these discounts will help bring down your insurance rate and you can often qualify for more than one. If you don’t ask about the discounts, you may not get them, so don’t be shy and save some money!

You may be overpaying for insurance with your current policy. Did you pay off your car loan? Was your car declared “totalled” or does it have a salvage title? Did you have several traffic violations or an accident over a year ago? If any of these apply to you, you may qualify for serious savings. Once you pay off your car loan, you have the ability to lower your comprehensive insurance rate by increasing your deductible. While the bank holds the title to your car, you have to maintain a minimum comprehensive amount. As soon as you pay off the car loan and hold the title yourself, you can increase your deductible and save some cash. If your car has been “totalled” and has a salvage title, the you may be paying for insurance that you absolutely don’t need. Once a car has been “totalled” the insurance company will no longer pay you for damages to your vehicle, so you can eliminate comprehensive insurance and only pay for liability insurance. If you have a lot of points on your driving record or have had a large claim with your current insurance provider, it may be a good idea to shop around. Your existing insurance provider will keep records of your tickets or accidents longer than a new insurance company will check. So the new company doesn’t know about your old tickets and you are not penalized with higher rates.

Insurance isn’t cheap and you probably wouldn’t want “cheap” car insurance if you found it.  You want to be covered by a reputable insurance company who has a good reputation for quickly paying claims, and who will fight for you when you are the victim in a car accident. No it’s not cheap, but it doesn’t have to be expensive either if you make sure you get all the discounts you qualify for and you make sure you only have the coverage you need. Let Insuressense help connect you with an agent who can create an insurance package designed just for you at an affordable rate. Call Today!