Recently I moved from a major city in which public
transportation was my most logical means to get around. (Perhaps you can relate?) Since I was no
longer privy to public transpo. I decided
to lease one of our fine vehicles. Now, I’ll admit, insurance was the one thing
I hadn’t researched before my purchase.
So needless to say two months later I realized I was getting hosed. Has this happened to you? Well I quickly came up with a game plan that
might help to save you some money. Read
on to learn more.
1.) Since
I hadn’t been in an auto accident in over 2 years I began my negotiation
there. The agent looked at my record and
gave me a discount. I’ve become aware
that insurance agents are on a “Don’t ask, don’t tell” mentality.
2.) I
am definitely over 25, so I was under the impression that I shouldn’t be paying
more than when I first started driving.
The agent told me that policies go up and down as we age. I pressed a little and was able to persuade
the agent that I should be rewarded for the fact that I have never had a car
accident in the entire 31 years I’d been driving and that my maturity shouldn’t
be a benefit. Moral: A little sniveling
and groveling can put a little extra money in your back pocket!
3.) Since
I was leasing the car; I was allotted 12K miles per year. I was a perfect candidate for a lease since I
only drove to work and back less than 10 miles each day. I
asked again if there were any special rates for someone driving with that
mileage that low. The agent took off
another chunk of money. Moral: Getting
lower insurance rates could be fun!
4.) He
asked if I had airbags all over the car and an alarm system. I replied well most cars are built with
airbags aren’t’ they? I’m sure that my
sarcasm was far from welcome. However, I
did purchase LoJack, which eliminated that hit. Pow! Take that Insurer!
5.) Next
I asked if I was being charged for my credit?
The insurance agent explained that I was being charged additional fees
for not having insurance for the past 2 years.
When I explained to him that I didn’t own a car for two years I was told
that didn’t matter. (Apparently you
should buy insurance for invisible cars or insure air?). I pleaded my case and explained that I had
good credit and felt that this was unacceptable treatment. Cha Ch’ing! They lowered my rate once again.
6.) Last
but not least; a big pet peeve of mine is drinking and driving. Since I have never and I mean NEVER, gotten
busted for DUI I politely asked the rep if I could get rewarded for having
never gotten one of these offenses.
After the harps stopped playing and I took off my halo, the agent came
back with a new payment that was $185 cheaper per month!
Last moral: Ask and Ye shall receive. I could have saved myself $688 had I done my
research first. While we don’t endorse
insurance companies I am hoping that this might help save you some serious
cash. It never hurts to try!
For more information on Automotive Issues contact us at: 720-746-2697
