Save Money In 2014 - Find Every Discount For Your Insurance Policy

Many people in St. Peters, Missouri begin every New Year with various important changes or plans to make “this year” better than the previous one. Some plans might involve better diets, lifestyle changes, read more, exercise more, journal more, spend more time with our family, and increased focus on how to be more fiscally responsible.

It’s hard to argue with being more responsible with where you spend your precious dollars. Insurance costs to protect our motor vehicles may be a significant expenditure for many individuals.  It is smart to complete an annual review where and how these controllable dollars are spent.

Jungerman CARSTAR in St. Peters, Missouri, also serving the people of St. Charles, O'Fallon, and Lake St. Louis, Missouri, offers a couple of tips to help make sure your auto insurance premium dollars are spent in the very best manner possible.

1.   If you have a clean driving record with no accidents and no violations within the last three years you might qualify for a significant “safe driver” discount. If you don’t see a discount of this type on your declarations page that comes with your renewal, consult your agent or insurance provider.

2.   Assuming you have good or very good credit you might qualify for additional discounts.  Consult your agent or insurance provider.

3.   If you've got your auto and homeowner policies with the same insurance company you most likely qualify for an additional type of discount. Consult your agent or insurance provider.

4.   If you have young drivers on your policy who are good students, generally a B average or higher, you may qualify for further discounts.  Additionally, there are discounts available for participating in safe driving programs. Ask our agent or insurance provider for availability.

5.   If your current automobiles have exclusive accident avoidance systems you might be entitled to additional discounts.

6.   If you have vehicle(s) whose mix of age, miles and current physical condition has deteriorated to a point of lower value it might be time to think of self-insuring these vehicles. This means removing collision and comprehensive coverage. This action will require careful consideration and should definitely include consultation with your agent or insurance provider.

7.   Changing the level of your collision or comprehensive deductibles could be an option to control your premium costs. Picking out a higher deductible for either coverage will lessen your premium. But it is necessary to understand this move will raise your financial exposure should an accident take place.

8.   Many insurance companies are offering installed driving performance monitors that offer you a deep discount on your insurance for safe driving.  Seek the advice of your insurance agent on availability.

9.   If you've moved, taken a new job or married or divorced during the past year, it can impact your car insurance.  Be sure to update your policies accordingly.

10.   One final tip to each and every insurance consumer would be to ensure that you have a “what if I have an accident" kit in your glove box. This pack should contain a pencil, a pad of paper to jot down accident details and witness contact details, your agent’s contact information, your current insurance card, an expendable camera, and emergency contact information with names and numbers of people identified as the people to call whenever you’re injured.

Jungerman CARSTAR hopes to be sure that individuals traveling in St. Charles, O'Fallon, and Lake St. Louis, Missouri are ready for the road in every single way possible. If you reside in St. Peters, Missouri or the surrounding area and would like to have your questions concerning auto body repair answered, call Jungerman CARSTAR at 636-939-9411 or visit our website: www.auto-body-st-peters-mo.com