How to Get Discount Auto Insurance Rates

How to Get Discount Auto Insurance Rates

Finding discount auto insurance rates is easier than ever these days thanks to increasing competition among insurance companies with the proliferation of low-cost, limited-service, or primarily online insurance companies that have undercut the traditional full-service providers. car insurance

These competitive pressures have in turn forced these more full-service companies to offer discounts and low-cost policies of their own, lowering the cost of car insurance in for many Americans. However, finding the best discounts while maintaining an adequate level of service and coverage can be a challenge.

Ask Your Provider About Discounts

Today, traditional insurance providers like Allstate and State Farm as well as more direct sale alternatives like GEICO and Progressive all offer dozens of discount options that can shave anywhere from 20 to 60 percent off a given policy’s “sticker price.”

These discounts include breaks for maintaining a good driving record free of major accidents or tickets; getting good grades, if you’re currently enrolled in school; and installing safety and security devices in your vehicle like aftermarket steering-wheel locks and fog lights.

Not all of these discounts are readily available on each provider’s websites. Be sure to ask your insurer about each and every discount that they provide, especially if there is a certain demographic or driver group into which you believe you fall. If you drive your vehicle much less than the average driver, you should call your provider directly to see if you can craft a low-cost policy that accurately reflects your driving habits.

Look For New Discounts

Traditional and full-service discount providers have in recent years demonstrated a greater willingness to tailor their policies to their individual customers. No single insurance product better exemplifies this trend than Progressive’s Snapshot system, a device that monitors drivers’ driving habits and miles traveled from its perch inside their vehicles.

After recording a wealth of information about each individual’s driving style over the course of several months, the device is returned to the company’s pricing department where it is used to create a customized policy. Cautious drivers enrolled in the Snapshot program can save anywhere from 30 to 50 percent on their insurance premiums; aggressive drivers will see little in the way of savings. car insurance

For more tips, read our article on the 3 Top Car Insurance Discounts.

The Low-Cost Online Insurance Option

Another major alternative for drivers seeking discount car insurance companies is the bevy of low-cost providers that keep their costs low and pass the savings on to their customers. Most of these companies maintain a limited physical presence, directing potential clients to their websites instead. To get a quote, you’ll have to fill out an online form.

Low cost providers like The General and Esurance may be able to shave another 30 to 40 percent from the typical driver’s premiums at other carriers. Most people hold these policies for years without complaint, but the level of service is definitely an important factor when purchasing coverage. The last thing a drivers wants is to have trouble having a claim serviced or paid as this is the reason drivers purchase insurance in the first place.
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Plano Woman Injured In Airplane Propeller Accident

PLANO (CBS 11 NEWS) – CBS 11 News talked with the family of a Plano woman who was seriously injured in a airplane propeller accident.
Lauren Scruggs’ life was changed in an instant on Saturday night, after she stepped off of the private plane seen in the photo above.
Until the weekend, Lauren had been enjoying a life of modeling shoots and carving a career as a magazine editor… then the 23-year-old took a private plane ride.
The trip ended with a horrible accident that left Lauren disfigured and close to death.
Lauren’s father, Jeff Scruggs, recalled seeing his daughter at the hospital.
“I asked her if she could hear me to squeeze my hand and she did,” he said.
Lauren’s parents say they are relying on their Christian faith for strength and will maintain a vigil at their daughter’s hospital bedside.
Lauren’s trip in the private plane began at Aero County Airport, just outside McKinney.
According to CBS 11 sources, the pilot had been hosting a party at his house, near the runway, and was taking guests on plane rides to look at holiday lights from the air.
FAA officials say Lauren had just gotten out of the plane when walked right into a moving propeller blade. She suffered a fractured skull, severe cuts and her left hand was amputated.
Family spokesperson Janee Harrell said Lauren might have seen the blade before it hit her.
“It appears she put up her hand to block her face, which is why it was severed.”
While the woman’s injures were very serious her condition has improved. “She’s even responding more today. She’s opening her eyes, moving around the bed… which is really moving around,” said Harrell. “She’s uncomfortable but it’s a good thing.”
The pilot who flew the 2011 Aviat Husky did not respond to interview requests.
The FAA issued a statement that said, in part, “We are still investigating and will interview the pilot and any other witnesses.”
The Scruggs family believes the investigation will confirm that the accident was just that — an accident.
Lauren’s mother, Cheryl Scruggs, said, “We know that Lauren will soar because of this. She was hit by a propeller but she will be propelled to do God’s work and claim him in all that she does.”
As a testament to Lauren’s improving condition, doctors removed her breathing tube Monday and family members say the young woman is responsive and breathing on her own.
There is a chance Lauren’s fractured skull could leave her blind in one eye, but her family expects she will recover from her other injuries.

Cops: Woman battled officers after leaving crash scene

A 38-year-old Fairfield woman faces charges after police said she left the scene of an accident and then kicked and spit at police officers attempting to take her into custody just after midnight Sunday morning.
Holly Bittman struck another car in rear and fled the scene to her Mona Terrace home, followed by the driver of the car she struck, police said. When the other driver pulled up to Bittmans house, he said she began to scream and yell and threaten him and pound on the hood of his car, prompting him to call 911, according to the report.
Bittman told police it was the other driver who had threatened her, police said.
When officers asked Bittman if shed been in an accident, she replied that she might have been. She allegedly told one officer to leave, and then invited another officer into her house for drinks, according to the report. Its also alleged that Bittman hit an officer in the chest with an open hand, and was belligerent and uncooperative.
After she was placed in the back seat of the patrol car, the report stated that she began kicking at the windows. An officer opened the patrol car door, and Bittman then kicked him in the chest with the heel of her boot, he said. She also spat at two officers, according to the report.
During processing at police headquarters, Bittman refused to take off her jewelry as requested and tried to grab her watch back from police, according to the report.
Bittman was charged with assault on a police officer, interfering with a police officer, breach of peace and evading responsibility. She was initially given a $2,500 bond, but the bail commissioner reduced it to a promise to appear March 14 in Bridgeport Superior Court.