Deductibles: In some cases your deductible may be set too low. The premium you pay for that lower deductible rate is, a lot of times, more than the deductible you would pay out in an accident. If you have an “emergency fund” savings account set up for emergencies, then you should consider raising your deductible to $500 or even $1000. This could save you a substantial amount on your annual insurance.
Coverage Limits: Make sure your limits are set at a reasonable limit for proper protection in an auto accident. Did you know that if your bodily Injury limits are set at $15,000 per person and $30,000 per accident and, in the event of an accident you cause injuries amounting to more than that, the other person has the right to sue you for the amount over those limits? And the cost to raise your limits may be less than you might think. We recommend setting your limits to at least $100/300/100. This means you have limits of $100,000 per person and up to $300,000 per accident and Property Damage limits of $100,000.
We re-quote your policy at every renewal. As an Independent Insurance Agent we work for you not for the insurance company. We work to get you the best coverage and the best price with the best company period. We quote your policies with up to 16 different carriers making sure we find the best policy to meet your particular needs. If you ever have a question on your policy give us a call at 602-412-3366.
It is also very important to discuss other coverage's that are available to you including uninsured or under-insured protections, medical payments, rental reimbursement and roadside coverage.