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Many people mistakenly believe that once they have an auto insurance policy, they’re locked into the policy and their rate until the term is up. Fortunately, that’s not true. You can make changes to your auto insurance policy, including increasing or decreasing coverage and adding discounts that you’re eligible for at any time. Your auto insurance agent can help you review your other insurance policies to see how your policies can be used to receive a discount.
Most insurers offer a variety of discounts that can help you save money on your monthly insurance premium. Most drivers know that if they insure two cars under one auto insurance policy, they’ll pay less on that one policy than they would on two separate policies. However, many drivers overlook other opportunities to save money. On average, drivers can expect to save between 10 and 25 percent off their liability, comprehensive, and collision coverages. This discount is available on plans with two or more cars called a “multicar” or “multi-unit” discount, when they are combined onto the same policy.
Of all the discounts that are available for auto insurance, multi-auto, also called multi-car, discounts are the easiest to get. In fact, it’s usually automatically applied when you add a new vehicle to your policy or when you sign up for a new auto insurance policy.
To qualify for a multi-auto discount, you simply have to have two or more vehicles insured by the same auto insurance company. Additionally, all the drivers who are listed on the policy need to be part of the same household. Some insurers require that policyholders are related to one another. Other auto insurance companies only require that you’re living under the same roof, meaning that your significant other or roommate could also be on the policy.
Imagine that you have one vehicle insured, if your household acquires another vehicle, rather than taking the time to shop around to find the cheapest insurance, simply add it to your policy. You’ll get a discount not just for the new vehicle, but for your old one as well. Nice, right?
If you’re adding a vehicle to an existing policy or signing up for a new policy, you’ll need to provide information like the year, make, and model of your vehicles, their VINs, and your lienholder’s information, if applicable.
Among the most popular discounts is the multi-policy discount, which you can get simply by having multiple lines of insurance with the same provider. Bundling all your insurance policies with one insurance provider is generally the fastest and easiest way to cut down on what you pay for coverage. Sure, you could shop around for each individual policy and sign up with multiple insurers, but in most cases, it’s hard to beat the multi-policy discount. Additionally, it’s much easier to track your bills when you’re only worrying about a single monthly payment and due date rather than three or four payments and due dates.
After all, you need insurance on your home, vehicle, boat, motorcycle, RV, ATV, and your life anyway, so why not get it all through one provider and save some money? If you have separate policies for each of these, then you are probably paying too much for your coverage.
By working with a single insurer for all your coverage needs, you can ensure you’re getting the best deal possible that they offer, provided your agent is getting you all the discounts you are entitled to.
There are distinct differences between hospital emergency rooms and traditional urgent care centers, including the level of care that can be provided at each location.
When you claim you make a certain amount of money in a year (and receive a subsidy), you must try to be as accurate as possible and notify them of any changes that may occur throughout the year. Be honest in stating your income. There are very serious consequences to playing games with your income.
The short answer is yes; medical debt is considered non-priority unsecured debt and can be discharged in bankruptcy. While you cannot target medical debt in bankruptcy, this process can help lower payments or eliminate the debt altogether.
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If you combine more than one automobile insurance policy together, you may be eligible for a multi-car discount.
If you combine your automobile insurance with a life insurance policy, you may be eligible for a discount.
If you combine your automobile insurance with a business policy, you may be eligible for a discount.
If you combine your automobile insurance with a homeowner’s insurance policy, you may be eligible for a discount.
If you combine your automobile insurance with a mobile home insurance policy, you may be eligible for a discount.
If you combine your automobile insurance with a renter’s insurance policy, you may be eligible for a discount.
If you combine your automobile insurance with an umbrella insurance policy, you may be eligible for a discount.
If you combine your automobile insurance with a toy like a motorcycle, boat, travel trailer, dune buggies, 4-wheeler, snowmobile, golf cart, etc., you may be eligible for a discount.
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The auto insurance discounts below (and possibly more) may be available to you. Speak with your auto insurance agent to see what discounts your insurance company offers.
Some career choices could get you a lower rate. Some could include teachers, accountants, firefighters, police, judges, veterinarians, military, doctors/nurses, engineers and scientists, architects, etc. These groups of drivers tend to have lower risks than other groups.
If you are over a certain age, and have taken a state approved safe driver program, you may be eligible for a discount.
If you pay your insurance through EFT, you may be eligible for a discount.
Means you paid the entire policy all at once, you may be eligible for a discount.
Items like airbags, automatic seat belts, antilock braking or electronic stability control (which helps reduce skidding).
If you have no tickets or accidents, you may be eligible for this discount. But, unless you have accident forgiveness, one mess up and you will probably lose that discount.
If you have more drivers than insured cars and are sharing a family car, you may be eligible for this discount.
A good student that gets good grades may be eligible for a discount. College students that are away from home certain distances, for example over 100 miles from home and without access to their cars left at home, may be eligible for discounts.
If you pay your insurance on time you may qualify for a discount. Obviously, it’s important to keep the payments on time to keep this discount.
If you agree to electronically sign your documents, you may qualify for this discount.
If you have a less-than-stellar driving history, then you can expect to pay more, sometimes significantly more, on monthly auto insurance premiums than a driver who has a clean record. This is because auto insurance companies use past driving behavior to predict future behavior and determine how much of a risk you are to insure. While in many cases you simply have to let some time pass for infractions to fall off your record, there may be a few things you can do now to lower your rate.
If you’ve gotten pulled over for a broken tail light or because you forgot to renew your vehicle registration, then you may have received a traffic violation called a “fix-it ticket.” In most cases, these violations have a deadline attached. If you pay the fee or fine and show the court that you corrected the problem, then your case will be dismissed. As long as you take care of these “fix-it tickets” quickly, then they won’t go on your driving record. However, if you don’t take care of them in a timely manner, then they will likely end up on your record and drive up your monthly premium.
Many auto insurance companies provide an incentive for taking a defensive driving course in the form of a discount on your monthly premium. In some cases, attending traffic school may allow you to keep infractions that are moving violations off your record. However, it’s important to ensure that the safety course you take is approved by local motor vehicles department.
If you received a ticket when you were speeding due to extenuating circumstances, then you may consider contesting the ticket. Explaining to a judge the reasonable context behind your ticket, such as a medical emergency, may be enough for your ticket fine to be reduced or for the infraction to be removed altogether. This can prevent the ticket from going on your record and may end up being the difference between an affordable auto insurance rate and a high one.
While your driving record may not be perfect, if it’s been a long time since your last infraction, then you may be able to have driving point violations removed from your record. Your local DMV can help you determine whether this may be an option for you.
Drivers with higher credit scores generally get lower insurance premiums.
Believe it or not, running quotes under both spouses names may net a lower rate under one of the spouses.
If you always insure your vehicles for State Minimum (Currently 25/50/20), that is considered a higher risk to insurance companies. If you carry higher limits (ex: 250/500/100), you are considered a lower risk. Lower risks get better rates.
Your home and car are two of the most valuable assets, so getting the best insurance for both is such a convenience. Just because your insurance provider offers cheap homeowners’ insurance doesn’t mean they will offer affordable auto insurance and vice versa. Talk to one of our knowledgeable auto insurance agents to have all your bundling insurance questions answered. We’re here to help find the best insurance policy for you.
Wondering how you can trim down your insurance costs? Nevada Insurance Enrollment will help you review your coverage needs and find a plan that is right for you. Our agents specialize in helping drivers find the best coverage at the best price available to them. We can help you find the right auto insurance provider and determine which discounts you qualify for to get an affordable rate without sacrificing quality coverage.
By page visits (this month)
There are distinct differences between hospital emergency rooms and traditional urgent care centers, including the level of care that can be provided at each location.
When you claim you make a certain amount of money in a year (and receive a subsidy), you must try to be as accurate as possible and notify them of any changes that may occur throughout the year. Be honest in stating your income. There are very serious consequences to playing games with your income.
The short answer is yes; medical debt is considered non-priority unsecured debt and can be discharged in bankruptcy. While you cannot target medical debt in bankruptcy, this process can help lower payments or eliminate the debt altogether.
Today’s Health Insurance plans may offer benefits above and beyond just doctors and hospitals, such as free preventive services, fitness programs, teledoc/telehealth, and so much more!
There are distinct differences between hospital emergency rooms and traditional urgent care centers, including the level of care that can be provided at each location.
When you claim you make a certain amount of money in a year (and receive a subsidy), you must try to be as accurate as possible and notify them of any changes that may occur throughout the year. Be honest in stating your income. There are very serious consequences to playing games with your income.
The short answer is yes; medical debt is considered non-priority unsecured debt and can be discharged in bankruptcy. While you cannot target medical debt in bankruptcy, this process can help lower payments or eliminate the debt altogether.
Today’s Health Insurance plans may offer benefits above and beyond just doctors and hospitals, such as free preventive services, fitness programs, teledoc/telehealth, and so much more!