Tag Archives: auto insurance

Securing Competitive Rates on Auto Insurance

Unique Insurance Company pic

Unique Insurance Company
Image: uniqueinsuranceco.com

 

Unique Insurance offers competitive auto insurance rates to buyers across the country. Unique Insurance works closely with its network of agents to ensure that each buyer can find the most appropriate coverage.

Many car owners have the opportunity to secure more competitive rates for auto insurance, but it does require a bit of proactive effort. Experts recommend that policyholders look into potential discounts, such as a low-mileage discount for those who drive below a set annual maximum. Additionally, discounts are often available for cars with certain safety features, or for senior drivers who successfully complete a driving safety course.

Some drivers may also be able to alter their coverage levels to secure a lower premium. Drivers who own older cars can often save money by eliminating collision coverage, for example, while those who can afford a higher deductible may be able to do so in exchange for lower payments.

Before making a final decision on coverage options, however, an insurance buyer should assess whether he or she would be able to afford the financial consequences of an accident. Insurance companies and agents can often offer advice on this matter as well as on potentially available discounts.

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Why Men Pay More for Auto Insurance

Unique Insurance Company pic

Unique Insurance Company
Image: uniqueinsuranceco.com

Unique Insurance is dedicated to offering fair, competitive rates on low-cost auto insurance. Many factors determine how much you pay for auto insurance, but one you may be surprised to hear about is your gender.

While it’s not a hard-and-fast rule that all insurance companies adhere to, males tend to have higher insurance rates than females. This boils down to statistics, not sexism or preference. The National Association of Insurance Commissioners found that men are more likely to get into auto accidents and 10 percent less likely to wear safety belts. To an insurer, these findings indicate it’s safer to insure women, as the company is less likely to have to pay a claim.

A 2011 study from the National Highway Traffic Safety Administration found that men are also more likely to speed. In a speeding survey, 36 percent of males were classified as “speeders,” while the figure was only 28 percent for women.

Tips for Saving Money on Auto Insurance

Unique Insurance Company pic

Unique Insurance Company
Image: uniqueinsuranceco.com

Accredited by the Better Business Bureau, Unique Insurance Company focuses on helping hard-to-place clients secure affordable auto insurance. Unique Insurance Company offers low costs combined with a high level of customer service that maximizes the value of the insurance product.

When shopping for a good value on car insurance, an automobile owner must consider both the cost of the insurance and the value of potential payouts. A good first step is to inquire into any potential discounts, such as those available for safe drivers or drivers with low average mileage. In general, the less risk a driver presents to the insurer, the more likely he or she is to qualify for a lower rate.

Drivers can also save money by increasing the deductible on a policy. This means paying more in the event of an accident, but can help drivers obtain lower premiums. Owners of older cars may also be able to reduce costs by decreasing or removing comprehensive coverage, which pays out on non-accident damage.

On the other hand, individuals with car loans may be safest buying additional coverage that would pay off a loan in the event of a total loss. The interaction between premium and payout can be complicated, so it is generally best for policy shoppers to discuss options with insurers and agents to determine appropriate choices.

Online Claims Filing Can Alleviate Stress after Accidents

Founded in 1996, Unique Insurance offers auto insurance products in several states. Unique Insurance makes the claims process easier for customers by offering online claims filing via its website. Industry experts note that filing a claim online can help streamline a key process after the stress of an automobile accident.

Before filing an accident claim, policyholders should have relevant information readily available. This includes policy numbers, accident details, vehicle details, and witness and police report information. When completing an online claim, individuals should take care to provide all the required information and add as much detail as possible.

In certain scenarios, such as serious accidents involving injuries or auto fires, phoning the company to file the claim may be the best course of action. Policyholders can always call their insurers if they have questions while filing online or to follow up on a filed claim.