Your 7-Step Action Checklist for This Week
1. Collect your current policy details, including limits, deductibles, endorsements, and premiums.
2. Make a list of drivers, vehicles, annual mileage, and any recent tickets or claims.
3. Contact your current insurer and ask for all available discounts and a rate review.
4. Obtain 3 comparable quotes with the same coverage and deductibles from other providers.
5. Calculate your annual savings after accounting for fees and deductibles, not just the monthly premium.
6. If you decide to switch, do it at renewal time and ensure there’s no gap in coverage.
7. Set a reminder on your calendar to follow up on these steps.
In conclusion, if 99% of motorists are overpaying, there’s a good chance you can reduce your costs as well. A quick review and a few phone calls could save you hundreds each year. Use the checklist above—it only takes about an hour but can lead to significant savings. Would you like a customizable checklist or a sample script for your calls to insurers?
