Austin Auto Insurance Discounts

1. Multi-policy discounts: The multi-policy discounts can work a few different ways. Firstly, if you have many cars and people to insure with one insurance company, you may be able to get a discount. Secondly, if you have an automobile and a house, or an automobile and a recreational vehicle and you insure them with one company, you may be entitled to discounts.


2. Safe driving courses: Being a dependable driver is important to you and your family because it limits your risk of an accident-but it's also critical to your insurance company for the same reason. When you participate in a safe driving class you not only prove your insurance company that you genuinely  want to be a safe driver, but you also gain the aptitude that allows you to actually become one. This reduces the amount of claims you could have and makes you a less expensive risk for auto insurance companies. How do they reward you? With a discount.


3. Good student discounts: Insurance companies love to reward responsible behavior-because those customers who act in that manner usually present less risk from an insurer's standpoint. High school students with good grades may find that their auto insurance company offers light discounts when they keep their GPA above a certain level.


4. Paid-in-full discounts: Insurance policy premiums can be paid monthly, quarterly, semi-annually and annually. Because insurance companies can earn more money on an annual premium paid-in-full at the start of the term, they often offer monetary incentives for you to do so.


5. EFT discounts: The transmission of your insurance premiums directly from your bank account to your insurance company isn't just an effortless way to get your insurance policy paid, it's a cost-effective way. You will have one less check to write each month, one less stamp to buy, and your insurance company may offer you a discount for doing so.

When discussing insurance policy options with your agent, make sure to talk about all of the potential discount opportunities. Ask your agent if he can suggest any other discounts that you can make the most of -after all, any discount is a good discount.

1. Take a defensive driving class: Taking a defensive driving class can actually teach you evasive maneuvers to help you avoid an accident. Therefore, the best time to take a defensive driving class is before you have an accident. As an added benefit, some carriers offer discount for completing a defensive driving courses. This will help to reduce your auto insurance premiums.



2. Place a pen and paper, or voice recorder, in your car: Auto accidents, no matter how minor, can be an extremely stressful event. Even just a few hours after the accident is over, you may find it difficult to remember exactly what happened because of the stress you're under. You should record your version of what happened as quickly and safely as possible after the accident. By putting a small voice recorder or pen and paper in the car you allow yourself the tools to record the events immediately following the accident. This can make filling out claim forms faster and much more accurate. You can also collect information from witnesses on the scene if you have a voice recorder or writing implements. You can also use your smartphone to record your statement



3. Put a camera and insurance paperwork in your glove compartment: In order to make it easier to prove fault and report an accident claim, you should put a disposable camera in your glove compartment along with a copy of your insurance card. By keeping these items in your glove box you're prepared to take a picture of the scene for your insurance company and you have your policy number as well as carrier's contact information within reach. You'll need to exchange information with the other driver, so keeping this information handy can allow you to leave the scene in a timely manner.



4. Make sure all your lights work: Ensuring that your headlights, brake lights and turning signals work will lower your risk for accidents.



5. Familiarize yourself with your carrier's claim system: If you're involved in an auto accident, and the accident is deemed your fault, you may need to make a claim with your insurance company. Each carrier will have its own claims system. Some will allow online claims and others have convenient phone systems that send insurance adjustors to the scene of the accident. Some insurers may have paper forms they require you to complete before assigning an adjuster to your claim. Find out how your insurance company works before you're involved in an accident so that you can follow the appropriate steps immediately following the accident.



6. Buy auto insurance: To most, this seems to be stating the obvious, but it's a necessary addition to this list. Before you take off down the road and expose yourself to potential accidents, you must purchase an auto policy. Without auto insurance coverage you not only be breaking the law but you will also be exposing yourself to huge financial losses following an accident. Without insurance, your personal assets are at risk and your future financial stability could be compromised.


Preparing for an accident means you've decreased your risk and can make handling an auto accident easier.

We represent your interests. At Contractors Insurance Services, we have relationships with over 30 companies for the right coverage and best price. Whether you are looking for home, auto or motorcycle coverage or insurance to protect your business, commercial or trucking
interests, we can match you with a customized plan designed for  your unique situation.

No one has time to be an insurance expert. At Contractors Insurance Services we make having insurance easier. You can make your payments in our office, over the phone or online. Ask us to re-shop your policy when you renew or make changes. Call or e-mail us today and let us go to work for you.