Yesterday, we discussed three tips for saving money on car insurance for your certified Ford. As promised, here are three more tips to drive down those prices even further.

1. Don’t be rude.  Agents can pull some strings, make some phone calls and even do some extra work to get you a better price. But they won’t do that if you’re rude or unfriendly. Be polite and maybe crack a joke or two to get on their good sides. You might end up saving hundreds of dollars as a result.

2. Don’t appear eager to leave your current insurance provider.  If the new agent senses that you’re unhappy and want to leave your current insurance provider, you may get a higher quote. After all, if you’re very unhappy, you might be willing to pay more just to deal with a different company. Also, being hesitant about leaving your current company makes you appear loyal. And that’s an attribute that companies thrive on nowadays.

3. Don’t talk about your budget.  Simply try to get information on a quote without discussing how much you can afford. If agents know you can afford $150, some of them might charge you $149.99 for coverage that you don’t even need.

Tomorrow, we’ll have two more important tips you can use to save on your auto insurance. Come back and see how you can save even more money!

You just bought your certified Ford and you’re looking for insurance for it. You want to be certain you’re covered for every possible situation that could arise, but you can’t afford to pay hundreds of dollars in insurance each month. What do you do? Here are some steps to help you save money on your insurance premiums while still feeling secure about your coverage.
 

1. Get a few quotes in writing. Don’t assume that insurance prices are the same or even similar from company to company. In fact, the same type of coverage could differ by hundreds each year, depending on which company you choose. Shop around and get quotes in writing to help you when you begin comparing.
2. Don’t show other insurance providers your quotes. Insurance agents want to beat the competition, but they don’t want to go lower than necessary.  If, for instance, their lowest price for your needs is $800 a year and you show them a quote for $900 a year, they might give you a quote of $890. That way, it’s lower than the other company’s quote, but you’re still paying more than their lowest price.
3. Don’t flaunt your riches. If you look like a millionaire, you’re going to be treated like a millionaire. That could mean a higher rate or a quote for additional coverage that you don’t need. But don’t look like you’re homeless, either. That might give the impression that you’ll have trouble paying the premiums. Just act and dress normally so you can receive fair treatment and the best quotes for your needs.
Come back tomorrow for more tips!

One of the most important things you can do for your vehicle is to insure it properly. With the rising gas prices and increasing inflation, I know the last thing you want to think about is insurance. But fortunately, there are several ways you can save money and get great deals while still keeping your certified Ford covered. Here are some suggestions so you don’t need to break your budget when making your premium payments.

• Shop Online
With the Internet, it’s so easy to compare prices on almost anything. Auto insurance is no different. You can either go to your favorite insurance company’s website to get quotes or go to comparison websites where you can get the prices from several different insurance companies.

• Stay Claim-Free
It might be too late for you to do this, but if you don’t have any claims on your record, try to keep it that way. Of course, if you are involved in a major accident or something else major happens, you can break this rule. But making a claim for small little dents and other minor problems increases your premiums much more than the actual cost of fixing the problem.

• Listen to the Commercials
The Allstate commercial says that you don’t want to wait until you get into an accident before realizing you need insurance. That’s so true. Get insurance as soon as you pick up your car from the car lot or even before. If you get into an accident as an uninsured driver, that could cause higher premiums in the future.

• Go with a Reputable Company
These fly-by-night insurance companies can leave you stranded uninsured or even take months to approve your application. Stick with the companies that have been around for years to ensure you get the best coverage without any surprises.

• Maintain Good Credit
More and more companies these days are basing your premium prices, at least in part, on your credit score. Many times, maintain a decent credit score reduces your premiums.

To purchase a certified Ford, visit our Ford dealers in St. Louis MO or our Ford dealerships in Waterloo.