When to Change Your Car Insurance When Moving
One of the first actions that an individual takes upon moving into a new residence is to purchase homeowner or renter’s insurance. These forms of coverage are seen as an investment to protect their possessions. This occasion would be an ideal one to inquire about car insurance coverage.
Many insurance companies offer multiple forms of insurance coverage, and many of these conglomerates will extend discounts to customers who combine their insurance needs with one company. This multi line discount is generally applied to a policy when an individual combines their homeowner’s insurance and car insurance needs.
When you are inquiring about the possibility of acquiring car insurance from a new company, it is important to focus your conversation on the possibilities of discount that could result from your relocation. If you are not happy with the offerings of one company, do not hesitate to call another insurance carrier and receive a quote from them as well, In fact, comparison shopping between multiple companies is ideal because it allows an individual to ascertain which company has the most affordable rates. If you speak to an insurance agent on the phone, do not allow him or her to pressure you into purchasing an insurance policy from their company. Obtaining a quote is not a commitment to one particular company.
There are multiple other discounts that you could potentiality qualify for. For example, many insurance companies offer discounts for vehicles which are stored indoors. The theory behind this discount extension is that a car which is left in a locked garage is much less likely to be stolen or vandalized than a vehicle that is left parked on the street overnight. Your relocation may result in discounts of which you are unaware. Insurance companies use your zip code to pull crime statistics from the neighborhood or community in which you reside. Based upon these statistics, an insurance company surmises how likely you are to be victimized by a crime, and they raise your premiums accordingly. If you are relocating from a metropolitan area to a more rural suburb, you should be prepared to see your insurance rates lower.
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