SeaComm Federal Credit Union OFFICIAL BLOG

Simple Ways to Lower Your Car Insurance Costs

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Good car insurance doesn’t have to be expensive. Here are 4 simple ways you can lower your car insurance costs in 2018.

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Shop around. Prices vary between each auto insurance company. Be sure to get at least three different price quotes. The best way to get these quotes is to call the companies directly – to avoid giving out your information over the internet. When making the decision, it’s important to choose a company that is financially stable and offers great customer service. The last thing you want is to have to deal with an unpleasant representative after you’ve just been in an accident or need to file a claim. SeaComm members are able to utilize the services of TruStage Insurance Agency – an affordable insurance option with a goal of helping people earn the most value out of their financial services. TruStage offers Life, AD&D, Auto, and Property insurance.

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Reduce coverage on older vehicles. If you have an older vehicle that you’ll probably be selling or trading-in over the next few years, consider reducing collision or comprehensive coverages. Purchasing this extra coverage may not be cost effective, in regards to the value of the vehicle. You can visit SeaComm’s GarageGizmo to determine the current value of your vehicle!

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Maintain a good credit score. Because most insurers use your credit information to price the insurance policy, it’s important to establish a solid credit history (and maintain it.) Check your credit record and be sure to correct any errors on your report, ensuring that your record is accurate.

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Take advantage of various discounts. Various insurance companies will offer discounts to customers who have been accident-free for a number of years. There’s also a chance to receive a discount after the completion of a defensive driving course. So when speaking to an insurance rep, be sure to ask for their long list of discounts, and what you need to do to get them!

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