An Independent Approach To Car Insurance (NAPSA)—Manyconsumersare finding they can drive down the cost of car insurance—andthe time it takes to select the right policy— by contacting an independent insurance agentor broker. Because they represent many different insurance companies, independent agents have the flexibility to review rates and coverage from competing carriers and get you the best deal. Plus, they can offer affordable protection for your home, business and other assets. So rather than spending hours gathering quotes from various companies, you can get it done with one simple call or visit to your independent agent or broker. If you’re thinking of contacting an independent agent, here are a few things to consider: *What’s yourlifestyle? Many factors determine auto insurance rates, not just vehicle year, make and model. Companies also look at information about you. If you’ve recently moved, gotten married, had a birthday or experienced a similar life milestone, mention this to your independent agent or broker. You maybeeligible to save money on your car insurance. Sweet 16 doesn’t have to be sour. Having a new teenage driver usually means the auto insurance bill will go up, but there are ways to save. An independent agent or broker can find them for you. eHow old is your car? You don’t always need the same level of physical damage coverage on older cars as on newer ones. If you drive an older car, your independent agent or broker can advise you whatlevel of coverage Consider separating your home- owners policy from your car insurance policy. Purchasing them separately can sometimes save you money. makes the most sense. If you want to keep your physical dam- age coverage, consider raising your deductible—that could save you money eachyear, too. *Save money on the fun stuff. If you have a motorcycle, boat, RV or other “toy,” you might save money by having it covered by the same companythat insures yourcar. Talk to your independent agent or broker aboutit. You may also want to consider separating your homeownerspolicy from your car insurancepolicy. Bundling your homeownerspolicy with your car insurance doesn’t always save you money. It may, but have your independent agent look at separating the policies— the discount you may have gotten for keeping them together may be outweighed by the lower price another company might have for your car insurance. To learn more or to find an independent agent or broker, visit driveinsurance.com.
