The client has been with the same auto insurance provider for years. While there are no problems with the level of service and support provided, it has been some time since the owner sat down and reviewed the policy terms. With a renewal date approaching, it makes sense to spend a little time reading through those terms and deciding if the Car insurance in San Francisco, CA is still the great fit it was a few years ago.
Taking a Second Look at the Deductibles
When the Car insurance in San Francisco, CA, was first secured, the household budget was a lot tighter. This led the client to settle for higher deductibles as a way to keep the premium lower. Since that time, the amount of income for the home has increased significantly. At the same time, some of the debts that were in place way back when are not a thing of the past. This means it is possible to look into the idea of securing lower deductibles. While this will mean increasing the premium, it also means that if a covered event occurs, the owner will experience less out of pocket expense.
Who is Covered?
When the kids began to drive, they were added to the policy as authorized motor vehicle operators. That did cause the premium to go up. Now that all the kids have finished college and have jobs of their own, there is no point in keeping them on the policy. Contact an agent and arrange to have them removed before the next renewal date. Doing so will end up saving a nice chunk of money even if nothing else about the policy is changed.
Dropping Services That are No Longer Needed
Back in the day, the client did a lot of traveling. Some trips were business related but others were for pleasure. At the time, having rental car coverage through the insurance provider made sense. These days, the trips are few and far between. Assuming the rental car coverage will not be needed anytime soon, why not drop it? Check with any agent to see what impact this would have on the premium and then decide if it is worth the time and effort.
For help with Car insurance, contact Pennbrook Insurance Services today and speak with an agent. Doing so will result in excellent coverage for the most affordable rates in the area.
