Avoid Overpaying with an Insurance Checkup

Life changes — perhaps you just got married, had a child, bought a new vehicle or got a new job. Whatever the circumstance, your insurance should reflect your changing needs. So, it ’s a good idea to review your insurance policies regularly to make sure you’re not only getting what you need; you’re only paying for what you need! And check to make sure you ’re not missing out on any valuable discounts. Here ’s what to look for:

  • Have a second vehicle not insured with the same insurance company? Most companies offer a discount for insuring both.
  • Is your home insured with a different insurer than your car? If you bundle them, you ’re likely to save on your policies.
  • When choosing the deductible that ’s right for you, think about how much you can afford to pay if you have an accident. If you have a lower deductible, you'll pay less out-of-pocket costs when you make a claim, however you'll pay a higher premium.
  • Talk to your agent to find out if it ’s worth keeping collision coverage on an older vehicle.
  • If you’re only driving 10,000 km/year, but you ’ve reported driving 25,000 km/year, this will result in a higher premium.
  • Safety should pay off. If you have a monitored security system or fire alarm installed in your home, you could be eligible for discounts, so let your insurer know.

It ’s a good thing there are local Allstate Agents nearby to give you the coverage you need and the savings you deserve. Call or stop by a local agency for your insurance checkup. It ’s simple and rewarding.