Credits! Credits!! Credits!!! Oh My!

Posted by Jim Pietro on Apr 8, 2015 12:30:00 PM

Everywhere you turn these days you see or hear an advertisement telling you that you can save 10, 20, 30, 40% or more on your insurance!  But is this really true?   

Partly.

There are a lot of home and auto insurance credits available in the marketplace -- multi-pollicy, low mileage, good student, new construction, deductible, alarm, safe driver, no loss and the list goes on.  Spending some time reviewing your account with your agent allows him or her to know which credits you are eligible to receive.  Every company's rates are different, so credits may save you some money but if one company's basic rate is high to begin with, you still may be better off with another insurance company.

Unlike what all the advertising is telling you, no one buys insurance to simply get the lowest price.  We buy insurance to be properly protected in the event of a loss.  BUT, we do want the best value for our insurance dollar which means we want to pay the lowest price for the "right" amount of coverage.  This is why keeping the lines of communication open between you and your insurance agent is so important.  Taking a few minutes every year or when there is a change (home addition, new car, vacation home, the birth of a child...) to connect with your agent is just good practice.

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Topics: auto insurance, home insurance

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