Tag: discount

How Can I Qualify for a Good Driver Discount?

Posted on by butlervetinsurance

We all love discounts because they mean we’re going to be saving some money. Do you know how you can get a discount on your car insurance?

Each auto insurance company has different definitions on what “good driver” actually means. Most, however, fall into two categories that are quite easy to understand. Some companies offer discounts for every year you avoid an at-fault accident or moving violation. Other companies gauge your good driving based on your driving record over a period of years. Many of those companies have a three-year window.

How You Can Qualify for a Good Driver Discount

When determining if you qualify for a good driver discount, keep in mind that each company has different requirements for determining what qualifies as a good driver. Generally, it means these things.

  • Having a clean driving record free of moving violations like speeding tickets, DUI/DWI, and reckless driving will certainly help your case for a good driver discount.
  • You’ve avoided at-fault accidents, showing your insurance company that you are a responsible driver and are able to hold your own on the road. This is a nice green light for your insurance company and can help you acquire this discount.
  • Being claims-free is a big bonus as well. The less hassle you cause your insurance company, the more inclined they’ll be to reward you a nice discount. If you keep driving claim-free for the time required by your insurance company, they’ll see this as a good sign and will be more likely to extend discounts to you.

As a good driver, you deserve to get a good driver discount and put some more money in your pocket! For all of your auto insurance needs in California, be sure to contact Stromsoe Insurance Agency. We are more than happy to help you get the coverage you deserve!

Your Job Can Save You Money on Auto Insurance!

Posted on by butlervetinsurance

YOUR JOB CAN SAVE YOU MONEY ON AUTO INSURANCE!

Did you know if you are an engineers, firefighters, lawyers, teachers, and police officers you all have one thing in common: you qualify for Auto insurance discounts with some insurers who have found that people in certain fields tend to be less risky drivers than those in other occupations.

A number of insurance companies offer discounts to those in a variety of professions – everything from architects, CPAs, and college professors through librarians, military personnel, and pilots, to physicians, registered nurses, and scientists.

Here’s why: although practicing architecture or flying a plane doesn’t necessarily make a driver more responsible, insurance underwriters don’t have to prove cause and effect when setting rates. They need only show a relationship between these rating factors and risk.

A variety of factors can come into play in determining discounts. One Auto insurance company offers up to a 5 % discount to first responders, such as firefighters, police officers, emergency medical technicians and paramedics. Because these people tend to work in the communities where they live, they probably don’t commute long distances. First responders might speed down the road in emergencies, but not in their own vehicles, and they tend not to work from 9 to 5 – which means that they’re at lower risk for accidents.

Discounts vary by occupation, insurance company, and state. Some companies offer discounts for a long list of occupations and professions, while others provide them to only a few, or none at all. Some jobs receive larger discounts than others.

Rules for discounts also vary by field. To qualify for one company’s discount, health care providers must have a license to practice, as well as a degree. However, policyholders who have earned at least a bachelor in engineering, math, or science qualify for an 18% discount, even if they work in other fields.

Your occupation or profession might well entitle you to a substantial discount on your Auto insurance – even if you’re retired. For more information, please get in touch with us. 877-994-6787

Make Sure You’re Getting All The Homeowners Insurance Discounts You Can

Posted on by butlervetinsurance
Most companies offer basic discounts on Homeowners coverages, such as bundling Home and Auto insurance, loyalty rewards, and installing smoke detectors and/or home security systems.

However, a growing number of companies offer significant premium discounts on Homeowners insurance to policyholders who are:

  • Senior citizens. If you’re 60 or older, you could lower your premium by as much as 15%.
  • Non-smokers. If you’ve given up the habit — or have never picked up a cigarette, cigar, or pipe — you might qualify for a discount.
  • Married couples or widows/widowers. Could be eligible for discounts of up to 5%.
  • New buyers who have closed a home purchase within 60 days.
  • Willing to increase coverage to reflect a rise in inflation.
  • Ready to buy coverage for the full value of a home.
  • Prepared to buy from a new carrier before the policy with your current insurance company expires.
  • New policy holders with the company (the “welcome” discount) and purchasing coverage for the entire value of your home.

You might also be eligible for a discount if you don’t have a Property damage claim for a specified period, such as three years.

Bear in mind that many insurance companies might not offer some (or any) of these discounts.

To see if you’re eligible, check with the professionals at our agency. We might be able to save you some big dollars. Call today! 877-994-6787