|
Choose a safe car
When you buy or lease a car, choose on the basis of safety features and
the cars record of crash worthiness, if it is easily damaged and repair
costs. you need safety features such as air bags, safety sells.
Drive smart
Drive carefully and use safety belts and child restraints. Always drive
defensively and stay alert. Never get behind the wheel impaired by alcohol
or other drugs. Obey speed limits and other traffic laws. Set a good
driving example for your children. Support enforcement efforts by the
police and courts against drunk driving.
Fight insurance fraud
Fraudulent claims can cost your insurance company millions of dollars each
year. These costs are passed on to you, the policyholder in increased
premiums. Report fraud to your insurance company to the State Insurance
Department or to law enforcement agencies.
Talk to your agent
You may be able to reduce your premiums by reviewing your policy to
reassess the coverage you have. Are your deductibles too low for your
financial situation? Do you need the optional coverage? Does your coverage
duplicate other coverage you have? Your agent or company representative
can help you analyze your policy to identify savings. Shop for auto
insurance: compare prices, coverage and quality of service. Keep your
driving record clean to get lower premiums. Take advantage of discounts
offered by your company.
Secure your automobile
Many companies offer discounts if you install an active or passive auto
anti-theft device in your car or if you etch the vehicle identification
number in the corners of your windows. Park your car in a protected area.
Always lock your car. Never leave packages or belongings in sight in your
car. Avoid known high-risk parking areas.
Help control medical costs
Quality medical care is not necessarily the most expensive. Challenge
doctor or hospital fees that appear to be unreasonable or that seem to be
unnecessary treatment. Educate yourself on appropriate medical treatments
and avoid unnecessary medical charges from your doctor and hospital.
Lower your repair costs
Replacement parts supplied by someone other than the auto manufacturer can
save up to 33 percent on repair costs. Certified replacement parts have
been found to be equal in quality to the original manufacturer s parts
with warranties that also are equal or better. Used parts are also a cost
effective alternative in quality auto repairs.
|
