5803 Manor Road, Austin Texas 78723
10 Formas de ahorrar dinero en tu seguro de auto
De el Dueno.
Siempre buscamos maneras de ahorrar dinero en el seguro de auto. Aquí te mostramos algunas sugerencias de neustra parte y de Seguros y de AmericanInsurance.weebly.com.com.
1 Compara precios de seguro de auto
Averigua la cantidad mínima por la cual puedes asegurar tu vehiculo. Obtén al menos dos cotizaciones de diferentes compañías. Pero no compres únicamente por el precio: Conoce los agentes y la reputación de la aseguradora, su servicio al cliente y el tipo de coberturas y descuentos que ofrecen.
2. Pregunta por las opciones de deducibles
Cuando tú haces un reclamo, el deducible es la cantidad de dinero que pagas antes de que la aseguradora de auto aplique su cobertura. Deducibles caros significan pólizas más baratas. Por ejemplo, incrementar tu deducible de $250 a $500 en caso de accidentes podría disminuir el precio de tu póliza entre un 20 y 30 por ciento. Si lo aumentas a $1000 puedes llegar a ahorrar 40 por ciento o más según la poliza que tengas. Únicamente ten en cuenta que tú podrías pagar un deducible mas alto en caso de que hagas un reclamo.
3. No apliques para coberturas totales de accidentes en vehiculos de vajo costo
Si tu vehiculo fuera pérdida total en caso de accidente, tú recibirás el pago por el precio de tu vehiculo. Sin embargo, las compañías de seguros tienen sus propios criterios para determinar el valor del vehículo en el mercado, tu puedes conocer el valor que ellos calculan en la Guía NADA. Por regla general, no tiene sentido que adquieras y pagues un seguro por el precio total de tu vehículo y lo estés manteniendo por varios años, si este tiene un valor menor a $2000.
4. Compra un vehiculo de "bajo perfil"
Aquellos autos que tienen precios de reparacion altos o que están identificados como coches con altos índices de robo pagan mayores primas de seguros. Por eso cuando compres un vehiculo, recomendamos que tomes estos factores en cuenta así como el record de seguridad en el que tu vehiculo está catalogado. El Instituto de Seguridad de Aseguradoras en Carreteras (Insurance Institute for Highway Safety) asigna valores basados en las características de seguridad de los vehiculos.
5. Aprovecha los descuentos de bajo millaje
Algunas compañías de seguros de coche, ofrecen descuento a los conductores que manejan menos de cierto cantidad predeterminada de millas por año. Y conducir menos hace sentido en el ahorro. De acuerdo a los descuentos de bajo millaje también aplican a las personas que tienen "carpool" para ir a trabajar.
6. Considera los gastos de tu seguro antes de mudarte
Los seguros de coche tienden a ser más económicos en zonas rurales que en las grandes ciudades, donde hay más tráfico y mayor congestionamiento vehicular y donde también incrementan las posibilidades de robo de vehículos
7. Pregunta sobre los descuentos por seguridad de tu vehiculo
Tu agente de seguro te puede decir que descuentos existen si tu coche cumple con ciertas normas de seguridad. Muchas aseguradoras dan descuentos si tu vehículo tiene bolsas de aire, sistema "antilock" en los frenos, alarma, etc.
8. Pregunta sobre otros descuentos
Algunas compañías te ofrecen descuentos adicionales si tienes asegurado con ellos más de un vehículo. Pero ve diferentes opciones pues de acuerdo a los precios de seguro de auto varían entre una compañía y otra. Hay también descuentos adicionales si estas catalogado como un buen conductor, si voluntariamente asistes a entrenamientos de manejo, o si eres un cliente por un largo periodo de tiempo con la misma compañía. Recuerda también que si tienes asegurados a tus hijos que manejan, existen descuentos de buen estudiante.
9. Compra el seguro de casa y auto con la misma aseguradora
Muchas compañías ofrecen descuentos si tú tienes contratado con ellos dos o más diferentes tipos de cobertura.
10. Averigua sobre descuentos de grupo
Algunas veces hay descuentos adicionales para compañías que tienen muchos empleados, o para grupos de profesionales u otro tipo de organizaciones.
12 ways to save money on car insurance
We're always searching for ways to save you money on car insurance. Here are the top ways to reduce your bill.
1. Comparison Prices
Prices vary from company to company. Find out the minimum amount of car insurance you must carry. Obtain car insurance quotes from at least three insurers. But don't shop on price alone: Look at the company's reputation, its customer service and the type of coverage and discounts it offers.
2. Ask for higher deductibles
If you file a claim, the deductible is the amount of money you pay before your insurance kicks in. Higher deductibles mean lower premiums. For example, increasing your deductible from $250 to $500 on collision and comprehensive coverage could reduce that portion of your premium by 15 to 30 percent. Increasing it to $1,000 can you save you up to 40 percent or more, according to the Insurance Information Institute. Just make sure you can pay it in the event that you need to make a claim.
3. Drop collision and/or comprehensive coverage on old cars
If your car is totaled in an accident, you receive the actual cash value of the car. Although car insurance companies use their own criteria to determine fair market value for vehicles, you can get a ballpark estimate from NADA Guides. For older cars, it may not make financial sense to pay premiums over many years to maintain collision and comprehensive coverage. As a general rule, it doesn't make sense to buy comprehensive and collision coverage for a car worth less than $1,000, according to III.
4. Buy a car that’s cheap to insure
A car’s “loss history” affects its collision and comprehensive insurance premiums. If other drivers of your model file frequent or expensive claims, insurance rates for your car will be higher than average. car insurance comparison tool lets you research average premiums for more than 3,000 models of new cars.
5. Take advantage of low-mileage discounts
Some car insurance companies offer discounts to drivers who put fewer than a predetermined number of miles on their vehicles each year.
6. Consider insurance cost when making a move
Car insurance rates tend to be lowest in rural communities and highest in cities, where more car accidents occur and the likelihood of theft increases.
7. Ask about car-safety discounts
Your insurance agent can tell you about discounts available if you have certain safety features on your car. Many insurers give discounts for air bags, antilock brakes, car alarms and more.
8. Ask about other car insurance discounts
Some companies offer discounts if you insure more than one car with the same insurance company. But shop around. It's sometimes possible to save more money buying from two different insurance companies despite the multiplicy discount, according to III. You might also get a discount for being a good driver, taking voluntary driver-training courses or being a long-time customer. Plus, remember good-student discounts when you are insuring a teen who drives.
9. Buy your home and auto insurance policies from the same insurer
Many insurers will give you a discount if you buy two or more types of coverage from them.
10. Find out about group discounts
Sometimes discounted auto insurance policies are available through large employers, professional groups and other organizations.
11. Maintain good credit
Your credit rating may affect your car insurance rates. Use of credit scores in setting car insurance prices varies by state and insurance company, but statistics show that drivers with good credit records tend to make fewer insurance claims.
12. Consider checking on your teen driver
Some car insurance companies have started offering discounts to customers who participate in their "monitoring programs" of teen drivers. Programs vary by insurer, and not all companies offer them. Some "Checking" programs use cameras, installed inside the car, that provide you with video and audio footage of your teen driving. The camera is triggered "on" by aggressive driving.
Other insurers use global positioning systems (GPS) to track how your teen drives (including speeding and sudden breaking or accelerating) and where they go. You can even set the system to send you an e-mail or text message when your teen arrives at a specific address. The savings on your insurance can be anywhere from 10 to 15 percent. For more, here's how to save money on car insurance by checking on your teen.
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Americana Insurance has been in the business of providing excellent auto insurance coverage at an affordable price since 2011. Responding to our customers' needs keeps us the leader in auto insurance.
In most states, if you want to drive your own vehicle, you must be insured.
Car insurance coverage is designed to help financially cover potential auto-related damages, loss or injuries. It helps protect you, your passengers, your fellow drivers, pedestrians, other people's property and your vehicle. It can also help protect you in the event of an automobile-related lawsuit.
Maybe you've heard something about saving 10% TO 30% or more on your car insurance policy. No matter how you found us, you're in the right place to get a fast, free, and accurate quote on Americana Insurance Auto Insurance.
Get an auto insurance quote anytime. If you like what you see, you can purchase immediately and start enjoying Americana Insurance's top-coverage. Got questions? Contact us during business hours at: 512-236-0055
For questions or for a Quote request, feel free to contact us.
Best price in austin
Americana Auto Insurance
Americana Insurance Team.
For Questions or for a Free Quote feel free to contact us.
5803 Manor Road
Austin, TX 78723
Office (512) 236-0055
Fax (512) 236-0969
Voice (512) 814-5943
Cell (512) 931-4657
Emails:
[email protected]
[email protected]
[email protected]
[email protected]
Website:
Americana Auto Insurance
Social Network:
https://www.facebook.com/americanainsuranceaustin
https://twitter.com/AmericanAuto2
americanainsurance.weebly.com
fecebook.com/americanainsuranceaustin
[email protected]
[email protected]
"SERVING AUSTIN & CENTRAL TEXAS PROUDLY"
CONFIDENTIALITY NOTICE: The information contained in this e-mail, including any attachment(s), is confidential information that may be privileged and exempt from disclosure under applicable law. If the reader of this message is not the intended recipient, or if you received this message in error, then any direct or indirect disclosure, distribution or copying of this message is strictly prohibited. If you have received
please notify***** Americana Auto Insurance***** Help Desk immediately by calling (512)236-0055 and by sending a return e-mail; delete this message; and destroy all copies, including attachments. Thank you.
The contents of an attachment to this e-mail may contain software viruses,
which could damage your computer system. We cannot accept liability for any
damage you may sustain as a result of software viruses. You should carry out
your own virus checks before opening any attachment
!!!THANK YOU!!!
WE APPRECIATE YOUR BUSINESS!
Go ahead, get a quote. You've got nothing to lose, and a lot to save!
Did We Mention Discounts? We work hard to get you the best auto insurance rates. But you want to save even more, don't you? You're in luck: Americana Insurance has many DISCOUNTS!!!!! that can further lower your auto insurance costs.
Americana Auto Insurance Team!!!!!!!!!!!!
Americana Insurance has been in the business of providing excellent auto insurance coverage at an affordable price since 2011. Responding to our customers' needs keeps us the leader in auto insurance.
In most states, if you want to drive your own vehicle, you must be insured.
Car insurance coverage is designed to help financially cover potential auto-related damages, loss or injuries. It helps protect you, your passengers, your fellow drivers, pedestrians, other people's property and your vehicle. It can also help protect you in the event of an automobile-related lawsuit.
Maybe you've heard something about saving 10% TO 30% or more on your car insurance policy. No matter how you found us, you're in the right place to get a fast, free, and accurate quote on Americana Insurance Auto Insurance.
Get an auto insurance quote anytime. If you like what you see, you can purchase immediately and start enjoying Americana Insurance's top-coverage. Got questions? Contact us during business hours at: 512-236-0055
For questions or for a Quote request, feel free to contact us.
Best price in austin
Americana Auto Insurance
Americana Insurance Team.
For Questions or for a Free Quote feel free to contact us.
5803 Manor Road
Austin, TX 78723
Office (512) 236-0055
Fax (512) 236-0969
Voice (512) 814-5943
Cell (512) 931-4657
Emails:
[email protected]
[email protected]
[email protected]
[email protected]
Website:
Americana Auto Insurance
Social Network:
https://www.facebook.com/americanainsuranceaustin
https://twitter.com/AmericanAuto2
americanainsurance.weebly.com
fecebook.com/americanainsuranceaustin
[email protected]
[email protected]
"SERVING AUSTIN & CENTRAL TEXAS PROUDLY"
CONFIDENTIALITY NOTICE: The information contained in this e-mail, including any attachment(s), is confidential information that may be privileged and exempt from disclosure under applicable law. If the reader of this message is not the intended recipient, or if you received this message in error, then any direct or indirect disclosure, distribution or copying of this message is strictly prohibited. If you have received
please notify***** Americana Auto Insurance***** Help Desk immediately by calling (512)236-0055 and by sending a return e-mail; delete this message; and destroy all copies, including attachments. Thank you.
The contents of an attachment to this e-mail may contain software viruses,
which could damage your computer system. We cannot accept liability for any
damage you may sustain as a result of software viruses. You should carry out
your own virus checks before opening any attachment
!!!THANK YOU!!!
WE APPRECIATE YOUR BUSINESS!
Go ahead, get a quote. You've got nothing to lose, and a lot to save!
Did We Mention Discounts? We work hard to get you the best auto insurance rates. But you want to save even more, don't you? You're in luck: Americana Insurance has many DISCOUNTS!!!!! that can further lower your auto insurance costs.
Americana Auto Insurance Team!!!!!!!!!!!!