Getting more coverage for less money is always a good thing. Here are some ways to get discounts on your insurance coverage.
 

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More Coverage for Less Money: Insurance Rate Discounts

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Houston Car Accident Attorney Steve Lee offers experienced legal counsel to Houston citizens who have been injured in a car accident. Many of his clients experience difficulties with their dealings with insurance companies. If you or a loved one who has been in an accident feels that your insurance company is not taking your needs seriously, contact Houston attorney Steve Lee.


There are many ways for you to get your premiums down to more reasonable rates. This would allow you to get more coverage for less money, as opposed to paying less money for less coverage.

AIR BAGS and AUTOMATIC SEAT BELTS
Some companies might discount up to 30% off Personal Injury Protection and Medical Payments coverage if the driver and passenger sides have air bags and automatic seat belts. This discount is given because the insurance company knows you'll be belted in every time, hence your risk of injury in a crash is much less than someone else who is not belted in.

ANTI-THEFT/ALARM
Some companies give discounts off the Comprehensive premium when an active anti-theft device is present. This usually means a burglar alarm. Some companies may discount more if the alarm arms itself automatically when you turn off the vehicle. This 5% discount usually does not add up to much, but combined with other discounts listed here, will certainly make a dent.

ANTI-LOCK BRAKES(ABS)
If you have Anti-lock brakes(ABS), you may 5% or more off Bodily Injury and Property Damage coverage.

DRIVING SCHOOL
Some companies give drivers under age 25 who complete a state approved drivers education class up to 10% off on Bodily Injury, Property Damage, Medical Payments, Personal Injury Protection and Collision coverage.

SAFE DRIVER
Sometimes if you're a safe driver, usually 3 years with no points, you qualify for additional savings on different types of coverage. The insurance company will let you know. Usually on your insurance bill you'll see something that says "Your premium reflects the maximum discount allowed for safe driver".

MULTI-CAR or HOME & CAR
If you insure 2 or more vehicles on the same policy some companies may give you a discount. They may be equally generous if you have your home and both cars insured with them as well.

SAFE VEHICLE
Some insurance companies classify certain cars as "Safe Cars", meaning there's statistical data to suggest that there's less risk of injury by way of design, air bags ABS, etc. Find out if your car qualifies for this discount.

The most important thing to remember is that insurance companies very rarely just tell you this information. You have to ask for it. And if you have to file a claim, make sure that you have done your homework on your policy and know exactly what your coverage is supposed to provide for you.

If your insurance company is denying your claims for reasons that you think are inadequate, contact Houston Attorney Steve Lee for a free legal consultation today.

©2008 Steven M. Lee, PC, All Rights Reserved, Reproduced with Permission
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