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Thursday, July 7, 2011

Your auto insurance premiums change: Do you wonder why?

Many factors affect your auto insurance cost. You can control some of them, such as your choice of vehicle, your driving habits, and the coverages and deductibles you choose.

Then there are some factors over which you — and in many instances your insurance carrier — have little or no control, such as medical costs to treat injuries, vehicle repair costs, costs to adjust claims, and uninsured drivers.

Controlling insurance costs
What is Farmers doing to control insurance costs? Actually, quite a lot. Take a look at some of our ongoing initiatives:

We make available a network of reliable auto repair facilities.
We vigorously oppose frivolous lawsuits.
We have an active Anti-Fraud Unit.
We offer a youth driving safety education program to all parents of young drivers.
We actively support organizations devoted to auto safety, including anti-drunk driving efforts and those dedicated to improving youth driving safety.
In many states, we offer annual policies to help keep your rates more stable. Call me to see if this option is available to you.
Farmers offers many discounts that may help you keep your insurance costs low, including:*

Multiple-Policy Discount: Insuring both your home and automobile with Farmers may entitle you to reduced rates on each.
Alternative Fuel Discount: You can save on all major coverages if you drive a hybrid or other alternative fuel vehicle.
Electronic Stability Control Discount: Vehicles equipped with a stability control feature may qualify for a discount on collision coverage.
Professional Affinity Group Discount: Doctors, Registered Nurses, Engineers, Scientists, Educators, Accountants, Police, Firefighters and other professionals may qualify for discounts.
Anti-Lock Brake Discount: If your car is equipped with a factory-installed anti-lock braking system on all four wheels, you may pay less.
Anti-Theft Discount: You may save on your Comprehensive Coverage if your car is equipped with an anti-theft device.
Accident Free Discount: A good driving record could save you even more.
Good Student Discount: Households with young drivers who are students and maintain a "B" average may be eligible for a discount.
Let's get together, review your coverage and discuss your individual needs so you can be sure you're taking advantage of available cost-savings and that you have the coverage you want.

*Discounts apply to select coverages, perils and policy types, and may vary by state. Eligibility and actual percentage of discounts may vary.

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