While you might be shopping for your home, health or auto insurance one place that you might not consider looking is AAA. Now I am certain that you have probably seen the great benefits of having AAA as a regular member, but you can obtain even more benefits by using them to have your insurance with. I know from my own experience that I have found that AAA has consistently given my family better insurance rates for health and auto than what I have been able to find anywhere else. Here are the benefits of using AAA for your health and auto insurance.
The first great wait on that you can enjoy by using AAA for your insurance purposes is that you can typically enjoy a gross cost rate. I know that for me I had a health insurance quote from another company for the proper same plan and AAA managed to give me a rate that was three hundred dollars cheaper than the other company’s lowest available rate. I also noticed that I have this benefit with my auto insurance as well except the savings was close to five hundred dollars for the entire year with more coverage than what I was getting.
The second benefit is that you will be able to enjoy some more of the benefits of your AAA membership. I know that for me being able to use my AAA membership for something more than just road side assistance or discounts on food or hotels is nice. I do not know about you, but like many people I do not need to use these features this often because the cost of traveling anymore is so expensive.
The third benefit of using AAA for your insurance is that it is my experience that you will typically be dealing with a great agent. I know that if I call my local insurance agent that is with AAA all that I have to do is mention who I am and they will know right away what I am calling about. This is nice and can establish a titanic relationship with you and your insurance agent.
AAA has many benefits that people might not realize. One of the best features that I have found is the amount of money that you can save while you are an AAA member. I know that my savings from that alone is enough to pay for many of my other bills that I have throughout the year.
Filed under State Farm Auto Insurance by on Mar 14th, 2011. Comment. 
As money gets increasingly tight, consumers are trying to establish wherever possible. Insurance policies are one place that people typically look to cut costs. But, are there ways you can save when it comes to insurance without jeopardizing your coverage?
People may not always be taking the wright decisions where to crop things.
There are some strategies out there that you have to educate yourself about and ALWAYS remember ask your agent of other saving venues.
Many insured believe so. One design of cutting benefit on your premium costs is to reduce the dwelling or liability limits on your homeowner's policy. Similarly, you could also request a reduction in the liability limits on your auto insurance policy .
However, not only do these methods fail to save you money in the long rush, they also make you increasingly vulnerable to risk. Acquire in consideration like, how much you could lose if a judge decided against you in a liability suit, or someone was hurt in your home?
A wiser course of action is to increase your policy deductibles. On a homeowner's policy, raising your deductible from $250 to a $500 could realize a premium savings of 10 to 15 %. You could also consider raising the deductibles on the physical damage section of your auto insurance to save money on the premium. Having a $500 deductible on both comprehensive and collision can save you as much as 30 percent. A $1,000 deductible may result in even more savings. That is a clear path you might want to consider.
Many insureds argue that if they do need to file a claim, they won't have $500 to cover the newly increased deductible. While $500 may sound like a large amount of money to bag together, it is actually only $250 more than you would have needed if you collected had the original $250 deductible. Keep in mind that with the savings benefit you will get from a higher deductible, you should be able to save that extra $250 in less than 2 years.
For those larger savings, consider a graduated approach. If you are not financially able to go from paying a $250 deductible to paying $1,000 deductible, raise your deductible to $500 now, and put the money you save into a dedicated savings account for the purpose of accumulating money to increase your deductible again. When you have saved enough in the account, increase the deductible to $1,000. So, in other words, you can increase your deductible at least every 6 months to reach a higher deductible ammount; but again the sooner you do that the sooner the saving starts.
Raising your deductible will definitely save you money over the long-term. More importantly, it will not put you at an increased financial risk.
Most importantly we hope you drive safely and do not have to file a claim any time soon!
Filed under State Farm Auto Insurance by on Feb 20th, 2011. Comment.
