Auto Club of North America offer’s a “Vanishing Deductible” Rider that allows you to increase your Deductible as the Insured is basically purchasing Insurance to cover the required Deductible.
Deductibles are what you pay before your insurance Company’s policy Pay’s any loss. Most Lenders require a Maximum of a $500 Deductible, however, with the Insured Deductible, the Provider is Guaranteed that the Deductible will be Covered and therefore lowers the cost of the Policy and allows the Insured to have a Larger Deductible. By requesting higher deductibles, you can lower your costs substantially. For example, increasing your deductible from $200 to $500 could reduce your collision and comprehensive coverage cost by 18 to 30 percent. Going to a $1,000 deductible can save you 48 percent or more.
Because the Auto Club of North America offers reductions to drivers who get insurance through our group plan and sell Directly to Consumers via the Internet and Phone, we have eliminated some of the Overhead associated with Agency’s and middle men, which ensures more competitive pricing.
There are also many other Advantages of Joining the Auto Club including Insurance Discount’s, Travel Insurance, Health Insurance, Auto Club Towing, Dining and Entertainment Discount’s, Pet Insurance, Dental Insurance, Perscription Drug Discount’s, as well as many other programs.
Combine your HOMEOWNERS AND AUTO COVERAGE FROM THE SAME INSURER For additional Discounts.
Auto Club of North America as well as most insurers will Offer additional Discount if you purchase two or more Product’s and an extra reduction for Multi vehicle’s insured with the same company, as well as reduced rates for long-time customers.
IMPROVE YOUR CREDIT RECORD AND CREDIT BUREAU SCORES
Establishing a solid credit history can drastically reduce your insurance costs. All most all insurers use credit information to price Auto, Renter’s, and Home insurance policies.
PRE-PAY YOUR POLICY FOR SIX MONTH’S OR A YEAR IN ADVANCE.
Almost all Insurance Carrier’s offer an additional Discount for Pre-payment as they do not have to Bill Monthly which increases cost’s and Risk’s.
NEVER LET YOUR POLICY LAPSE.
If you have had a Gap in coverage, the Insurer will want more money up front to Start a Policy and also consider you as “Higher Risk”.
REDUCE COVERAGE ON OLDER CARS
Consider dropping collision and/or comprehensive coverages on older vehicles especially if your car is worth less than 10 times the insurance premium especially if you have a poor driving Record or Credit History.
BEFORE YOU BUY A CAR, COMPARE INSURANCE COSTS
Before you buy a new or used car, check into insurance costs. Car insurance premiums are based also based upon the car’s price, the cost to repair it, its overall safety record and the likelihood of theft. There are some vehicles which are a Higher Theft Risk or Safety Risk and are more expensive to insure.
TAKE ADVANTAGE OF LOW MILEAGE DISCOUNTS
Almost every Insurer offer’s discount’s based upon the amount of yearly Mileage Driven. After all, if you drive 80K miles per year as opposed to 3K, your chances of a Collision are much greater than the person who drives a lower than average number of miles per year. Low mileage discounts can also apply to drivers who car pool to work.
EXCLUDE HIGH RISK DRIVERS IN YOUR HOUSEHOLD FROM OPERATING YOUR VEHICLE.
If you have a teenager of new driver in your House Hold, your Insurance Premium will certainly be Higher unless that person is an “Excluded Driver” on your policy especially in the Instance of Collision Insurance as the Risk of an Accident is much higher with a New Driver or person with a Poor Driving Record especially an Alcohol related Conviction’s.
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