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For appliances and furniture, President's Day weekend features great prices.  Black Friday has no end of fantastic deals that people will wait in the cold for hours just to have a shot at one of them, and every haggler knows that December is the best time to buy a car.

Remarkably, for as much as people spend on insurance most do not know when they stand to gain the most by shopping.  There are a few things to keep in mind as you consider quoting your insurance.


Insurance companies are more sophisticated than ever and thus there is not a weekend that we can promise better rates.  Your rate is based off your demographic and driving history.  Thus, you will see the biggest change in your rates with demographic changes.


Carriers consider the number and value of the cars being insured, they look at the number of drivers in each household.  Then, they compare how many drivers there are with the number of cars and each drivers history.  Then, after considering the coverage requested they release a quote.


As long as those factors do not change the carriers will not make dramatic changes to their quotes.  However, when one of those factors change (a teenage driver comes on or off the policy, or you add or remove an accident) the rates for most all of the carriers will change significantly.


The good news is that you are in control.  You do not have to hope that a store manager will get aggressive and red tag every item in the store.  You can drive safely and have accidents or tickets fall off your record without adding new ones.  Just remember to call us when you go through one of these changes and we will be happy to keep our best foot forward.


Hans

Posted 7:21 PM  View Comments

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