It’s that time. Kids are going back to school. Most people think about books, pencils, back packs, school clothes, new sneakers and haircuts. But you may want to add insurance to the list. If you still have high school students in the house who drive or will soon be getting their license, remind them that good grades equal lower car insurance rates. Many insurance companies offer the good student discount which is for earning a B or better. You must provide your insurance agent with a copy of the last report card as verification. Cheaper car insurance is just another incentive to do well in school.
If you are sending your kid off to college for the first time most likely they will not have a vehicle on campus and will be living in a dorm. Is your son/daughter living away at school 100 miles or more? If the answer is yes, then you may qualify for a discount on your auto insurance. If you have a junior or senior in college they may have a car at school with them and living off campus. If they have a vehicle at school with them, remember to provide your agent with the address where they are in school. The agent can then split rate the vehicle so that all cars are rated at their respective addresses. This is important for your auto insurance policy. When you are renting a house or apartment your contents are not covered under the landlord’s insurance policy, therefore you may want to think about renter’s insurance. Many students bring TV’s, laptops, game systems and personal belongings with them. Renters insurance may insure these items in a covered loss. Keep your college student in the loop when it comes to insurance. This way when they are ready to purchase their own auto and renters insurance policy they will know what to do. These are beneficial life lessons for your kids.
Freedom Insurance Group, Inc. announces they represent six companies that offer an early quote discount for car insurance quotes in Philadelphia.
Many consumers do not know the savings advantage associated with calling ahead when you need car insurance. Some of their companies offer a discount just for calling for a quote one to ten days prior to your policy expiration date. For example, Travelers calls this discount their Early Quote Advantage. With Travelers you may be eligible for a 10% discount if you call for a quote 8 or more days in advance. Many of the companies they represent have this discount only it’s referred to by a different name.
The following companies offer a discount for getting a quote in advance: Progressive, Travelers, The Hartford, Safeco, Grange & Mercury.
“It’s true; the early bird does get the worm. Most consumers are not aware of the fact that calling ahead of time for a car insurance quote can save you money.” said Anita Allegrezza, Owner & Principal agent of Freedom Insurance Group Inc. “Freedom Insurance Group, Inc. represents 10 A or better insurance companies, but we put the customer first. Everyone wants to save money and take advantage of discounts. Some people won’t buy if they don’t have a coupon, find it on sale or get a discount. If insurance companies are offering a discount for calling your agent ahead of time, take advantage of all the savings you can.”
The agency is a full service insurance agency. They offer auto insurance, homeowners insurance, motorcycle insurance, boat insurance, umbrella insurance, commercial insurance, life insurance, RV insurance, and more. For more information on Freedom Insurance Group, Inc. or to get a quote, go to their website www.freedom4insurance.com. There you will also find a money saving checklist with many discount opportunities for you to review prior to speaking with an agent.
Freedom Insurance Group Inc. is an Independent Insurance Agency who has been helping customers save money in Northeast Philadelphia and the surrounding areas since 2003. This Trusted Choice agency represents 10 A rated insurance companies such as Progressive, The Hartford, Travelers, Safeco, Grange and is an AARP authorized agent. What does that mean to the consumer? That means they have the ability to offer the consumer choices and “Freedom from the high cost of insurance.” With just one phone call their team of agents are able to get quotes from 15 different companies. Not only can they save you time, but their experienced agents will review your current coverage and identify any potential areas where you may be underinsured. Freedom Insurance Group Inc. is thorough and reviews all discounts that are available to you. When you have an independent agent, if your rate goes up you don’t have to go far. This agency continually reviews their customers’ policies to make sure they are getting the best rates on car and home insurance. “When you buy insurance from a captive agent your only option is to reduce coverage when the rate goes up. At Freedom Insurance Group Inc. if your rate increases we quote you in other companies, so you can keep the coverages you need. We give our customers the freedom of choice.” said Anita Allegrezza, Owner & Principal Agent.
This full service agency writes car insurance, homeowners, life, commercial, motorcycle, boat, umbrella policies and more. They are conveniently located in the Grant & Academy shopping center next to the Police & Fire Federal Credit Union.
Most people love a good deal or a sale. They get excited when they have a great coupon for something they actually need. And we love friends and family discounts. So what is the key to saving money on car insurance? It’s not as complicated as you may think. Here are 7 ways we have found that save our customers money on their car insurance policies in Philadelphia.
Get quotes from an Independent agent. Independent agents have access to many companies. They don’t write policies for just one company so their loyalty is to you, the customer. If your rate goes up or your needs change they can easily shop around for another insurance company. When you go with an Independent agent you are able to build a relationship. If you jump from one company to another, a new agent will not know you well enough to point out coverage or changes you may need.
Be aware of the many discounts that are available to you. Different companies offer different discounts. Here are some of the discounts that are out there. Occupation & education, New car, multi policy, low mileage, good student, student away at school, safe driver, driver training, AARP defensive driving, accident forgiveness, paid in full, paperless and hybrid vehicle discount.
Choose higher liability limits. Yes I said higher. If you go with state minimums you may pay more in the long run.
Shop around. Insurance companies are not one size fits all. What may have been a good company for you 10 years ago….may not be good for your present situation. In today’s day there is no real reward for loyalty. Your car insurance does not go down simply because you have had the same policy for many years.
When purchasing a new or used car call an agent to get a general idea of what the insurance will cost. Many new car buyers will simply buy the car to then find out the insurance is so high that there is no way they will be able to afford both a car payment and their car insurance payment.
Be an educated consumer. Do your research. Find an agent that is a member of the Better Business Bureau and is a Trusted Choice Agent. If you choose the right agent they will guide you through purchasing car insurance.
Don’t let your insurance go out of force or have a lapse. Make your payments on time to ensure consistent coverage.
If you take the time to do your research, ask questions and take your agents advice you can save hundreds of dollars a year on car insurance in Philadelphia. Make paying less for your car insurance in 2015 at the top of your to do list.