Have you ever tried to get by with some cheap auto insurance policies? You probably learned that they really didn’t save you money when you needed to make a claim, because you ended up having to pay a lot more out of your own pocket. At Basi Insurance Services, Inc., we focus on trying to find our clients a good value. That means we look for affordable premiums from top California insurance companies, but we don’t always suggest the cheapest option for each client.
Tips to Lower Your Premiums
When our clients need cheaper car insurance rates, we can focus on two main strategies:
- Increase deductibles: The premium difference between a $250 deductible and a $500 deductible can save hundreds over the course of a year. Just remember that you will be responsible for the higher deductible when you do need to make a claim.
- Compare car insurance quotes: Insurance companies are not all the same. As independent agents, we can help you compare a handful of top companies to find the right insurer for you.
What about Vanishing Deductibles?
The problem with increasing deductibles is that you risk paying more if you do have an accident. For example, your auto repair bill might be $1,000. If you have a $500 deductible, your insurer will pay half and you pay half. If you have a $1,000 deductible, you will have to pay the entire bill.
Vanishing deductibles might provide the right solution for safe drivers. Some of our top insurers offer a loyalty program for safe drivers; it reduces the per-accident deductible every year that you don’t have an accident. Over time, your deductible might even decrease to $0.
Get Better Car Insurance
At Basi Insurance Services, Inc., we focus on delivering great value and a positive customer service experience to each client. Our experienced agents are eager to work with you to find affordable car insurance that delivers when you need it. Call us today for auto insurance quotes and answers to any of your insurance questions.