The Road to Auto Insurance Is Not All Potholes and Speed Bumps, Assures Industry Expert
Consumers take control with Roshawn Hall's five money-saving tips
BUFFALO, N.Y., May 2, 2012 /PRNewswire/ -- Securing an auto insurance quote should not be as daunting as it often seems to be, asserts Roshawn Hall, an insurance agent licensed in New York and seven other states. With years of experience in both insurance claims and sales, Hall has set out to demystify the auto insurance quote process and put consumers back in the driver's seat.
"Consumers are suspicious of the insurance quote process. This is understandable, considering how convoluted it can be," says Hall. He adds that the overwhelming amount of auto insurance quote information online can further complicate the process. Consumers tasked with weeding through sometimes ambiguous and even disreputable information may feel they have little power over the rates they can secure.
"What I've found is that buyers need to feel empowered in their ability to drive their rates and control their premium's bottom line. There is very little straightforward information online concerning how to do this," continues Hall. "What I'm sharing is common knowledge among insurance agents but, surprisingly, not readily available to the millions of consumers who need it."
According to Hall, the following are key considerations that every consumer should know to be in control of auto insurance rates:
- Driving record. Disclose all tickets and accident history upfront, providing all relevant dates and details. Insurance companies may charge a 10 percent "discovery penalty" for undisclosed tickets or accidents, and additional penalties for misrepresented motor violations. Prior to requesting a quote, refer to the "Motor Vehicle Report" from your Department of Motor Vehicles and the "Claims History Letter" from your previous insurance company.
- Education. The higher your education is, the lower your insurance can be. If you are enrolled in school or have signed up for the upcoming semester, tell the agent. Completion of trade school or specific certification courses may qualify you for further savings.
- Occupation. Be specific when providing your job title to the insurance company or agent. Technical-sounding titles usually result in bigger savings. For example, "Financial Manager" is often rated better than "Manager," or "Certified Nursing Assistant" might be rated better than "Nursing Aide." If changing jobs, you can receive credit for the new job even if you have not started it yet.
- Credit. The better your credit, the greater your policy savings. If your credit is poor, however, you may decline a credit evaluation -- and sometimes receive a better rate. You may also be able to receive a quote with and without your credit included and then choose the better of the two rates.
- Insurance status. You receive financial credit or a discount for having another policy or being listed on someone else's policy. This includes being insured by your company for driving a company vehicle. Being covered by a friend or family member's policy -- even if just for a day -- can even equate to significant savings.
To help consumers further navigate the auto insurance quote process, Hall has launched ChooseMyPolicy.com, a new online resource dedicated to delivering free, no-strings-attached auto insurance quotes. With no hidden matchmaking fees, ChooseMyPolicy.com strives to be the leading auto insurance quote resource, connecting consumers with local insurance companies that provide complimentary, high-quality quotes.
Photo of Roshawn Hall: www.ereleases.com/pic/Roshawn-Hall.jpg
For auto insurance quote tips and resources, visit www.choosemypolicy.com.
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