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Intersection Errors - Look around very carefully. Proceed with caution
and don't
assume anything.
Inattention - Not maintaining close concentration on your own
driving, other drivers, pedestrians, and driving conditions.
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car insurance policies with 21st Century Insurance. Get your FREE auto insurance
quote at their web site and see for yourself how much you can save each
month. |
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21 Century Insurance Savings
- Insure more than one vehicle with your insurance company.
- Insure both your auto and home your insurance company.
- You or another insured driver in your household is a good student.
- Your car has a factory-installed air bag.
- You have been with the same insurance company for at least three years
and have had no at-fault accidents in the last three years.
- You’ve taken a defensive driving course (check your local and
state reequirements.)
- You own a fleet of utility vehicles for farm use, with a history of
infrequent claims.
Raising Your Deductible
Did you choose a low deductible to avoid a large expense if your car
is stolen or damaged by fire, vandalism or another incident covered by
the Comprehensive coverage in your policy? You may be paying more for
that security than it’s worth. Remember that your premiums go down
as your deductible goes up.
Think Long Term
By raising your deductible, how much money could you save over five years?
How about ten years? Are you likely to have so many claims that you’ll
pay more in out-of-pocket expenses than you will save in premiums? If
you stay relatively claim-free, you can save a considerable amount of
money.
Concerns about paying a higher deductibles
Ideally, you’d put away the money you save by raising your deductible
and lowering your premium, so you’d have some savings if you needed
to pay a deductible.
Choosing a Safer Car
If you drive a small car or a high-performance sports car, you’re
more likely to be involved in a serious crash, according to statistics
compiled by an insurance industry research group, the Highway Loss Data
Institute. Other cars are expensive to repair because of their design
and construction materials.
Find out which cars cost insurance companies more to insure, and therefore
cost you more in premiums. Your American Family agent has brochures available
with up-to-date information on the makes and models with the best and
worst safety records.
Safe Driving
Driving safely is the best thing you can do to keep your auto insurance
rates down.
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21
Century Insurance Savings
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a 