How Relationship Status can Affect Your Insurance Premiums

Shopping for insurance is a difficult task. You have so many decisions. Not only do you have to choose the right insurance provider, and whether you want an agent or just wish to work with the customer service department, there are tons of little things that affect the price of your insurance. One of the things that can affect the premiums you pay is your relationship status. It may seem strange, but going from single to married, or vice versa can change the price you pay for your coverage. Learn more about why this is, so you can better prepare for what you may have to pay for insurance.

Not all companies offer a discount, but several companies will give significant savings on car insurance for married drivers. The reason for this is that, by the numbers, married people are usually safer drivers than those who are single. While this can be frustrating for single drivers, those who are married reap the benefits of this discount.

Some people see this discount as discrimination; however it is perfectly legal for this type of discount to occur. Insurance companies offer discounts for other things such as drivers over 25, those who insure multiple vehicles, safe drivers and even normally charge less to insure women than to insure men. The insurance companies are in the business to make money, so it only makes sense that they charge more for drivers that have been show to statistically cause more accidents—in this case drivers that are single.

While you may not want to change your relationship status just to save money on your insurance, there are other things you can do to save money on this necessity. Talking to an agent, instead of just working with a company through the phone or internet will often help you find those little discounts you may not have realized.

The most important thing to remember is that if you make changes in your life, including changing your marital status, you need to update your information with your insurance company. This will make sure you have the coverage you need at the best possible price. Whether you are single or married, getting the best price possible is vitally important.

Why Your Insurance Company Matters

Know The Importance of Owning InsuranceJust like anything else you may buy, as a smart consumer you should look for the best deal you can find on insurance. All California insurance companies are not created equal. Some of them charge lower premiums than others and some of them offer better service than others. Whether you are buying California auto insurance or California homeowner insurance, it pays to take some time and compare the different insurance companies in your area.

If cost is a factor in your decision to purchase insurance, you should certainly shop around to find the California insurance company that will best suit your budget constraints. Different insurance companies assess risk somewhat differently from other companies and may charge higher or lower premiums. Some California auto insurance companies may charge much higher premiums for young drivers while other auto insurance companies might actually forgive a first accident and not raise your rates.

Your California insurance provider should also be able to provide you with fair and quick service in the event that you need to file a claim. Having an excellent, helpful customer service department when you have a question or problem is an important component for any type of insurance coverage.

Which insurance provider you select also matters because of the different ways they may treat their customers. Some companies are not very customer friendly and do not offer any kind of incentive to their best clients. Other insurance companies reward loyal customers with discounts or other incentives for the years that you have been with them.

A reduction in the amount of your deductible or a small discount may not be the biggest factor in selecting a California insurance company, it can be an important part of any insurance purchase decision.

Why Your Insurance Company Matters

If you have been faithfully paying your insurance premiums year after year and have never had an accident or filed a claim, you might think that your insurance company is as good as any other insurance company. That may or may not be true. Until you actually need to file a claim and deal with the insurance company, there is little reason to question how good your insurance company really is.

Once you need to file a claim you will find out just why your insurance company matters. The following are some reasons why you should be very selective when choosing the right company for your insurance needs.

Customer Service

Like any business that provides a service, the more accessible they are, the easier it is to contact them when you have a question or a problem. Whether you have a question about your policy or want to talk about increasing your coverage or adding a new policy, having a caring and helpful broker across the desk from you or a friendly voice on the phone makes all the difference in the world.

Handling of Claims

Is there anything worse than filing a claim after having an accident and having to wait three months for your insurance company to issue a check so you can get your car repaired? Everything from how quickly an insurance company handles a claim to how much they award you for the damages to your vehicle indicates just how client-friendly that insurance company might be.

Renewal Time

When it comes time to renew a policy, does your insurance company always bump up the premium by a few dollars? Even if you have never filed a claim, many insurers choose to add a little to their bottom line at your expense. Look for an insurance company that rewards loyalty and a good record by either not raising the premium or actually giving you a little discount.

Customer-Driven Car Insurance Companies

Customer DrivenIf you’re like most Americans, you love your car. You spend hours every week driving to and from work, dropping the kids off at school, and running errands. On the weekends, your car gets you to family, friends, and fun. So it’s only logical that when you compare auto insurance quotes, you want to choose an insurance company that answers your questions quickly, knows the details of your policy, and provides you with immediate assistance in emergencies.

Top-Notch Customer Service
When you compare auto insurance, the easy part is that you’ll get a taste of how customer-driven an insurance company is from the moment you call to discuss your quote. If you’re put on hold for hours with one company, another company probably offers you faster service and more personal attention. And it’s only natural to ask questions when you compare auto insurance—but if the customer service representative is unable to answer them, or worse, unfriendly, you’re better off looking for a company that trains its personnel to be friendly and helpful. A customer-driven insurance company will provide you with as much information as possible when you compare auto insurance quotes, thereby assuring you that you and your car will be taken care of.

Compare Auto Insurance with AgentInsure
AgentInsure, one of America’s leading insurance comparison companies, can help you compare auto insurance and find the one that offers you the most comprehensive coverage for an affordable premium. What’s more, AgentInsure puts you in touch with a number of licensed insurance agents in your area who can help you select the right policy for you with an insurance company that offers top-notch customer service. Remember, when you compare auto insurance, service is as important as coverage!