1. Review your budget

If you were involved in a car accident, could you cover your $500 deductible? Picking higher limits has its pros and cons. Higher deductibles lower your Dallas auto insurance policy premiums, because you are assuming more of the financial risk.

However, with risk sometimes comes regret. If you’re not stashing your auto insurance premium savings away in a bank or under your mattress, you run the risk of your car insurance deductible draining your bank account. Our advice is to take the time to review your budget, and from there decide on your auto insurance policy deductibles and coverage limits.

2. Get advice from an insurance professional

Your car insurance agent or service professional at your auto insurance company are great resources to consult with about your specific auto insurance policy questions. They understand that car insurance is a unique product—the old mentality of one size fits all does not apply here.

Your car insurance agent will help you select the auto insurance policy that fits your unique needs. They work to answer your questions, and to provide you with insurance information and advice tailored to your needs. An agent can be a valuable resource for you when considering your auto insurance policy.

3. Keep a good credit score

When factoring your auto insurance policy premium, the amount of money you pay for auto insurance, car insurance companies consider a number of factors. Some of these factors like age and gender you are unable to change, but others like where you live, the car you drive, and your credit score are within your control to change.

A good credit score communicates to auto insurance companies that you are financially responsible. If you work to improve your credit score, you will see the difference reflected in your auto insurance policy.

4. Discounts count

It’s really simple. Every car insurance company offers a variety of discounts and by taking advantage of every discount you qualify for, you will see the savings benefit in your auto insurance policy. If you’re unsure what discounts are offered by your insurance company, give them a call and ask. Next, check out the discounts offered by Elephant Auto Insurance to see how much money we could be saving you!

5. Shop and save

Things change, we all know that. So why should your auto insurance provider be any different?

Consider your current auto insurance policy; there may be a number of factors that are no longer accurate due to the time you have spent with one company. A quick review of your current auto insurance policy’s coverage options can identify possible money saving opportunities.

Shopping around can give you an idea as to whether or not your current auto insurance policy still fits your unique needs. Don’t get us wrong, loyalty is great! We love our herd members, but as the years go by we would encourage them to contact our agents and receive a new quote. Our agents can inform policy holders where their current auto insurance policy no longer works for their coverage needs.

If you are a new customer or a current Americo Direct Insurance customer, curious to see if your auto insurance policy still fits your needs, contact us today at 214-374-9997, or go online and complete a quote. Our agents are happy to answer all your questions, and to see whether or not you are getting the most savings from your auto insurance policy.

(Source:http://blog.elephant.com/cars/maximizing-your-auto-inusrance-policy)

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