Insurance Discounts....Are You Getting Them?

Discounts are the best way to save on your insurance bill each and every month.  But a lot of people are missing out on them!  With a little documentation, you could see great savings.

Security Discounts

Does your home have a security system or fire protection system?  Some of these devices will help you save on your home or renters insurance.  If you have a certificate of installation or current bill from your provider, let us know and we’ll see if you qualify.

Defensive Driving

Are you over the age of 55 and did you take a Defensive Driving course?  These classes will typically qualify for discount.  Just bring in a copy of your completion certificate and we’ll get it added to your policy.

Teenage Driver With Good Grades

Good grades will help you save on your car insurance!  Some of our car insurance policies offer a discount for students who maintain good grades.  Give us a call to see the requirements for your policy.  

Payment Discounts

There are many different options when it comes to paying your premiums.  Some policies offer discounts for paying in full or a reduced installment fee if you put the payment on auto-draft.  We can advise you of all the payment options so you pay as little as possible.

Multi-Policy Discounts

When you have all of your insurance in one place, you save more!  If your auto and home insurance is spread out between multiple companies or agencies, let us help you consolidate.  You’ll be better protected while closing possible gaps in coverage and save money.

What is the number one way to save? 

Talk to your agent!  When we schedule regular annual reviews, we can review your policy discounts and make sure you are receiving the best coverage at the best price.  Call 360-452-9200 today to schedule an appointment.

Do You Need Rental Reimbursement Coverage?

I often get phone calls from clients in Port Angeles and beyond who are looking to save a few dollars on their car insurance. They look at the various coverages on their policy and want to drop anything that isn't totally necessary. And rental reimbursement coverage is one I hear about
frequently.

So, do you really need it?

Rental reimbursement will pay for a rental vehicle while your car is in the shop due to a
covered claim. If you would be in big trouble without your car for a few days, then YES you want to
keep your rental coverage. If not having your car would mean not going to work or
being unable to get the kids to school then it's pretty important.

However, if you have three cars and one is never driven, it's probably not as big of a deal.
You need to look at your own situation and weigh the cost of the coverage. For many of
my clients, rental coverage is less than a cup of coffee each month and worth a whole
lot more when they have a claim.

Look at your situation and then call us at 360-452-9200 to schedule a review of your
car insurance and let us look for personalized ways to help you control your costs without sacrificing coverage. 

Want more information? Please visit Matt Elwood - Allstate Insurance to get more information on the Allstate products and services we can offer in Port Angeles, Sequim or anywhere Washington State.

Auto Insurance Discounts For Baby Boomers

Are you on a fixed budget? Many Baby Boomers are and at the same time, getting squeezed by the economy. One thing you can do is review your car insurance to make sure you are getting all the discounts you are eligible for. There are several that exist, but here are three big discounts to ask your agent about.

55 and Retired Discount

This is a great discount if you are no longer working and over the age of 55. Allstate offers 10% for this discount in their preferred auto line. Not all coverages are discounted, but the major ones are like liability, property damage, comprehensive and collision. No drivers under the age of 25 allowed on the policy to receive the discount.

Defensive Driver Discount

Drivers who are 55 years of age and older who successfully complete an accident prevention course approved by the Washington Department of Licensing can receive a 5% discount on their auto insurance. The discount is good for 2 years after which you must successfully retake the course to continue to receive the discount. Here is a link to sign up for a course near you in Washington State. http://www.dmv.org/wa-washington/defensive-driving.php

Full-Pay Discount

Not everyone has the cash flow to pay their premiums in full, but if you can budget the money in order to save the necessary premium it can be worth it. The Full-Pay Discount is 10% on select coverage on Allstate’s Washington preferred auto line. If you can do this now, take advantage. If not, start saving for the next renewal period!

These are just a few of the discounts available on your auto insurance. Next time you speak with your agent, make sure you are getting all the possible discounts you qualify for. If you would like a free car insurance quote along with a review of your discounts, please contact me at 360-452-9200

Want more information? Please visit my official Allstate Agency Website to get more information on the Allstate products and services I can offer in Port Angeles, Sequim or anywhere Washington State.