Save on Auto Insurance This Holiday Season

Wherever you live, winter brings the possibilities of storms. In the northern part of the country, whether we welcome him or not, Jack Frost will find his way to our doorsteps, along with ice storms and snow drifts.

In other areas, hurricanes, tornados, and all manner of other nasty weather will cause floods and wind damage. It’s winter again. But it’s also time for seasonal insurance savings.

Two methods of savings are often overlooked by car owners:

Seasonal rides

If you own a car that you don’t intend to expose to the elements this winter, you can save money by reducing your coverage during winter months. Whether it’s a collector car or a sporty coupe with no business on the road in a gale or snowstorm, if it’s not leaving your garage all winter, you can benefit from these savings.

Of course, even in the garage your car remains at risk; you will want it protected against theft or a storm that collapses your garage. But you also don’t want to pay for unnecessary insurance. The solution: remove your liability and collision coverage and maintain your comprehensive coverage. This should reduce your rates and still provide the protection you continue to need.

Home from college

Your student is coming home for the holidays! Providing he or she is studying at a college that is more than 100 miles away, you may already have saved on premiums by removing him or her from your policy.

However, if he or she is now returning, you may want to check with your insurance agent.

If your student’s annual mileage is less than 25% of your car’s total annual mileage, you may be able to switch him or her to an occasional driver; your student remains on your policy but not as a primary driver, and you can save on your car insurance premiums.