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"State Minimum" Auto Insurance: You Get What You Pay For 
Let's face it, in these challenging economic times, we are all searching for creative ways to save money. If you are feeling the pinch, you might be tempted to reduce your auto insurance coverage to the state's minimum standards. Be forewarned, however, that reducing your auto insurance coverage to bare minimum standards may keep you legal and may even save you some money in the short term, but it may also end up costing you substantially more in the event of an accident.
For example, each state has established minimum coverage requirements for bodily injury liability, but if you are involved in an accident and someone is seriously injured, the minimum coverage may not be sufficient to fully cover all medical expenses. You could end up taking a big financial hit from the resulting medical bills.
It is important to remember that cutting costs in the short term may backfire when disaster strikes. Your auto insurance coverage is essential to keeping you, your family, and your assets protected. |
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Lower Your Auto Insurance Costs 
You can be proactive in your efforts to save money on your auto insurance premiums. There are many opportunities to earn discounts, and you want to make sure you take advantage of all of the discounts you qualify for. Here are a few ways you can save some serious bucks on your premiums:
Combined Coverage Save on your auto insurance by getting coverage from the same company that insures your home. This combined coverage will help to lower both your homeowner's and your auto insurance premiums.
Renewal Discount Check with your insurance company to see if a renewal discount is available. This type of discount is often made available to people who have stayed with the same insurance company for an extended period of time.
Safety Features Discount You may be eligible for discounts if you drive a car that has certain safety features such as front and side air bags, anti-lock brakes, or anti-theft measures. Auto insurance generally provides discounts for one or several of these safety features.
Keep Your Driver's Record Clean Having a clean driving record is an accomplishment that will be rewarded by most insurance companies.
Switch to a Higher Deductible Your deductible is the amount of money you pay out of pocket before your insurance company kicks in to pay the rest. By switching to a higher deductible, your premium cost will be reduced. You will be responsible for the "fender benders", while your insurance company will provide coverage for the more extensive damages.
Contact Brooker Insurance Agency to have an agent review your policy to find ways to save you money.
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Keeping Your Teen Driver Safe and Protected 
Teen drivers spend more hours behind the wheel during the summer than any other time of the year. You want to make sure that when your teen asks for the car keys, you can hand them over feeling confident your child is fully protected.
Adequate Coverage One of the most important things you can do is teach your teen responsibility early. Help them understand that an important part of being a responsible driver is having adequate auto insurance coverage. Be sure your teen understands that maintaining a clean driving record will help decrease their premium over time.
Driving Distractions Make sure your teen understands the serious consequences of trying to multi-task while driving, such as cell phone usage, texting, or fidgeting with the radio controls. These distractions seem minor but could result in a serious accident. Encourage safe driving, and remember to set a good example with your own safe driving habits.
Driver Safety Courses Consider enrolling your teen in a driver safety course. This will help your child learn car control skills in real life driving situations, and will give you a little peace of mind knowing that your child is prepared to handle adverse driving circumstances. Check out WKYC-TV3's Teen Driving Clinic at http://www.wkyc.com/life/community/teen_driving/default.aspx
This teen skills course offers hands-on training for real life driving situations.
Ways to Save Did you know that some insurance companies provide discounts to teens with good grades? This is an added incentive for your child to do well in school. And, as mentioned previously, a clean driving record is instrumental in keeping your teen's insurance premium at it's lowest possible level.
Call your agent at Brooker Insurance to have your policy reviewed to ensure that your teen has sufficient coverage at the lowest possible rate. |
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Did You Know....?
 Brooker Insurance Agency has been in business since 1938, and is now four generations strong!
Throughout the years, our commitment to providing our customers with exceptional service has never waivered. We thank you for your continued support and we look forward to serving your insurance needs for years to come!
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Coming Soon in The Brooker Bulletin:
Health Insurance Info for You and Your Family 
Our next quarterly newsletter will address the topic of health insurance for you and your family. Watch for the next issue of The Brooker Bulletin in you email in-box soon! |
