Cutting off your nose

Cut off your nose to spite your face

I get calls almost everyday from people looking for ways to save money on their insurance.   Some of these callers are regulars, calling every few months - Most of  them refuse to take the Defensive  Driving Course.

Rental Reimbursement

You should never remove rental.  Especially if you only have 1 car.  This coverage pays for a rental car.  If you're in an accident and the car ends up in the shop for repairs, you'll need a car to get around.  This coverage provides you with a car rental while the car's being repaired.

Remove Emergency Road Side Service, I have AAA

ERS coverage costs only a few dollars. Even if you have AAA or towing through the dealership, you should  have ERS on your auto policy.  If you break down in a remote area, it's good to have a back up.

Lower my limits...State requirements are only 25/50/10

10 is 10,000 and it pays for repairs to the car you just accidentally rear ended.  If that car costs more than 10K to repair (probably), or if it was pushed into another car in front, causing a multi-car pile up, you will not have enough coverage.  So you've just compromised your coverage.  Trying to save a few dollars can expose your home and assets.  For a savings of maybe $5.00.

Other ways to save 

Maybe choose the $200 Deductible on your Personal Injury Protection coverage. This coverage pays at least $50K of your Medical bills in the event of an accident.  If you or household relatives go to the hospital,  choosing the $200 Hospital deductible saves you a little bit of money.

Discounts

Take the Defensive Driving Course.  This discount saves 10% and lasts for 3 years.

Here's the link to the course
New York Defensive Driving Course


If you have young drivers in the house, and they maintain a 3.0 GPA or B average, get the Good Student Discount just by getting a printout of their school transcript.

[hugs]
Teresa