USAA Auto Insurance Pricing & Plans Reviewed






Most insurance companies appreciate our U.S. Military enough to provide a substantial discount to government workers and those in the armed forces. However, USAA Auto Insurance goes one step above that by offering car insurance that is designed specifically for those in the U.S. Military. Keep reading to find out more about insurance pricing and plan review information for USSA Auto Insurance.

Safe & Secure

The United Services Automobile Association (USSA) has earned a solid and respected reputation throughout the years – in many different aspects. The USSA has received excellent financial scores, in terms of how well they handle their business. This auto insurance provider boasts the highest possible ratings from all five insurance rating services (A.M. Best, Standard & Poor’s, Moody’s, Weiss Ratings and Fitch Ratings. Therefore, anyone considering opening a policy through USSA can rest assured that their investment and the financial
future of the company will be secure.

Friendly Service

When you’re searching for an insurance company – it’s important to find a provider that offers helpful customer service. For this reason, USAA stands above the rest. USAA customers say that the customer representatives are very helpful and in most cases, the claims process is quick, easy and hassle-free.

Cheap Rates

While financial stability and friendly service are essential aspects to choosing the right insurance company for you – one of the biggest reasons people choose a particular insurance company is for cheap insurance rates. In terms of USAA’s pricing – they offer some of the cheapest around. While economically-minded consumers are pleased with USAA’s low pricing and cheap rates – even, those who aren’t concerned about pricing are pleased with the plans and services provided by USAA.

Special Plans

The United Services Automobile Association has plenty of attractive features, as well as, providing specialized insurance plans. While almost everyone would like to take advantage of this top-rated insurance company – only past or current military personnel (and their children) are eligible to open a policy with USAA. In addition, this insurance company offers some of the best plans in the industry. USAA provides the U.S. Military with some of the best car and motorcycle insurance plans that are available.

Additionally, the United Services Automobile Association provides a lenient “Accident Forgiveness” option for anyone who may be involved in a collision, but doesn’t want to see their rates go through the roof – this option from USAA enables policyholders (even those who are at fault) to keep their rates the same after an auto accident.

When you take a look at the big picture – The United Services Automobile Association impresses customers with its solid financial standing, friendly customer service reps, affordable insurance rates and specialized plans, which not only makes USAA the best insurance provider for military service personnel, but also one of the top-performing insurance companies throughout the United States. If you are involved in the military (or have parents who are current or former members of the military) – you can take advantage of the incredible pricing and plans provided by USAA auto insurance.




55 Years and Older is that Old Enough For a Senior Discount on Insurance?






If you are dreading the day someone calls you a “senior citizen” – you should stop right now. Not only are senior citizens wiser than the majority of the population, but they also receive more discounts than anyone else, too. Keep reading to find out how old you need to be to qualify for a senior discount on car insurance.

Auto Insurance: When do I qualify for a senior discount?

In most business sectors (restaurants, travel agencies, banks, etc.), he typical age for someone to qualify as a senior citizen is anyone who is over the age of 60 (sometimes, 65) and retired. However, in terms of insurance – the age when someone qualifies as a senior citizen is much lower – in most cases, individuals who are 55 years and up are considered eligible for a senior citizen discount. Therefore, anyone who is over 55 can qualify for auto insurance discounts and benefits.

Auto Insurance: Why do seniors receive a discount?

Chances are, those who are between 55 and 65 have spent a good deal of time behind the wheel, plus, those in this age group have a solid sense of self-preservation, as well. The combination of these and other factors are what makes this group some of the safest drivers around – and because they’re the safest drivers out there – they often receive the cheapest insurance when compared with any other age group, as well. Additionally, insurance companies recognize that many senior citizens are on a fixed income, which is another reason why insurance companies make discounts more available to this age group than with any other group.

55+ Drivers: More Coverage Options

In the famous words of Kathy Bates in Fried Green Tomatoes, “Face it – I’m older and I have more insurance!” – not only do you have more discounts, but you also have more coverage options to choose from, as well. This famous quote rings true, in the real world, as well. Individuals who are 55 and older are offered substantial discounts on their auto insurance rates, which means they can purchase additional coverage, if they so choose.

55+ Drivers: More Discounts

While the names of the discounts and the amounts vary from company to company – the majority of insurance companies offer discounts to their 55 and over policyholders. Many insurance providers offer a “Safe Driver” discount to seniors who have maintained a good driving record and a good credit report. Another popular senior discount is a discount offered to those who complete a safe driving course for mature drivers.

In this troubled economy, it’s important for each of us to save as much as we can – and we think that receiving substantial discounts for car insurance after turning 55 is a great way to start reaping the benefits of age!

60 is the new 20 – so, live it up and enjoy these years. Oh and, get all of the discounts that you possibly, can.




Farmers vs Nationwide Auto Insurance – Who is Cheaper?






If you are searching through the top insurance companies in the nation to find your next coverage provider – you’ve probably come across two of the most well-known companies: Farmers and Nationwide. Both of these insurance providers have grown from small, start-up companies into two of the most popular and most respected companies in the United States. Additionally, both of these providers got their start by providing insurance and other products and services to early farming communities. However, there are several differences between these two top providers – namely, the size of their staff, the type of financial services they offer and different prices for coverage. Keep reading as we compare these two companies to find out which option offers the cheapest rates for insurance.

Farmers and Nationwide: Products

Both of these providers started as insurance providers and later, expanded to provide other financial services, as well, such as, investment products and wealth management. There are several of these additional financial services that are provided through both companies including: homeowner’s insurance, life insurance, business insurance, loss prevention and safety & educational programs.

Farmers and Nationwide: Discounts

Both of these insurance providers offer similar discount programs to their policyholders. Some of the most common include: multi-policy discounts, safe driver discounts and student driver discounts. Farmers provides special discount programs to parents for teens who take driver’s education and teen driver safety programs. Nationwide is one of the few insurance options that provides programs such as, the Vanishing Deductible and Accident Forgiveness.

Farmers and Nationwide: Financial Outlook

Both Farmers and Nationwide have remained strong throughout difficult financial times. Even throughout our current recession – these companies continue to receive excellent ratings from A.M.’s Best, as well as, from their customers. Farmers claims that thousands of customers switch to their company each day and Nationwide says that 97 percent of their customer base was recommended to them by pre-existing customers.

Farmers and Nationwide: Differences

While these companies are very much the same, they have their differences, as well. Each company offers different types of financial services. While Farmers offers financial advice, mutual funds and variable annuities; Nationwide has expanded their financial services from just insurance to include financial planning, investment advice and full service banking. In order to meet the demand for their extensive financial service offerings – Nationwide also employs considerably more employees than Farmers does. Another difference between these two options is the price you’ll have to pay for insurance. While, these two choices are often, similar in price – there is always a cheaper option for you.

Overall, there are several different factors that play a role in who has cheaper rates between Farmers and Nationwide ranging from your location to the type of vehicle you drive. The only way to find out the difference is to compare rates. Farmers Group offers insurance to 41 states in the U.S., while Nationwide provides service, like the name says – nationwide, in all 50 states. Therefore, if you live in a state where Farmers Group provides coverage – you should get a price quote using identical details – either online or on the phone.




Cheap Audi Auto Insurance Rates – Who Has it?






If you prefer luxury, speed and a classy ride – an Audi, just might be the right vehicle choice for you. Whether you drive (or are considering purchasing)an Audi sports car, sedan, or sports utility vehicle – there’s a good chance that Audi has the right vehicle for you.

The German auto manufacturer, Audi, produces luxury cars as a subsidiary of the Volkswagen Group. Since the Audi first hit the market – it has become increasingly more popular – not only in the European market, but also in the American market, as well.

Audi vehicles are made with 100 percent galvanized steel as a corrosion prevention measure, but this (and many other of Audi’s features) contribute to the safety of these vehicles and to cheaper insurance rates, as well. Another feature that makes the Audi safer, and thus, less risky for insurance providers to insure, resulting in cheaper insurance coverage is the vehicle’s one-button system that allows the driver to operate the heating, cooling, radio and iPod all from one convenient button.

Choosing Cheap Audi Insurance

Many auto insurance providers offer cheap Audi insurance rates. However, it’s important to keep in mind that just because an insurance provider is right for your friend or your neighbor doesn’t necessarily mean they will have the cheapest rates for your specific insurance needs. The first place you can start is the minimum amount required by your state. For instance, Maryland drivers are required to have at least 20/40/15 coverage, which means $20,000 in bodily injury liability per person (per accident), a maximum of $40,000 in bodily injury liability and at least $15,000 in property damage coverage. In the state of Maryland, drivers are also required to have at least $15,000 in uninsured motorist coverage, $25,000 in personal injury protection for uninsured motorists. Knowing your state’s limits will help you know how to choose the cheapest coverage for your insurance needs.

While it’s important to save money on Audi auto insurance – it is even, more important to ensure that you have adequate coverage for your Audi, as well. While liability-only coverage may be the cheapest plan, it’s not always the best way for Audi drivers to go. For instance, if you drive a brand new 2011 Audi and you are involved in a collision – liability coverage would not repair or replace your vehicle and in addition, it may not be enough to cover bodily injury and property damage caused by your negligence.

Audi insurance rates are based on your gender, your age, the type of Audi you drive, your location, and also your driving history and credit past, as well. While most of these factors are out of your control – there are a few things you can do to get cheaper insurance rates for your Audi. If you are buying a new Audi – you may want to search for insurance companies that offer a “New Car” discount, rather than choosing an option that will raise your rates, just because your car is new. If your driving record is not very good – you might want to try signing up for a defensive driving course to remove points from your license, and to make your Audi insurance cheaper. These programs have been approved by insurance companies, as well as, the state so drivers can contact an agent or a state representative to find out how to qualify. Young drivers can also take a driver’s education course to get cheaper insurance rates for their Audi, as well.




Edmunds.com Car Values – Does that Impact My Auto Insurance?






When you are purchasing a vehicle, you may consider various aspects about the vehicle including, the sticker price, the make/model, the color, and any special features you’re expecting in your next vehicle. Other issues such as, how quickly the vehicle depreciates, the estimated cost for fuel and especially, the average price for auto insurance are just as important to consider, but are often, neglected by car-buying consumers.

If you’ve narrowed down your selection to two (or three) different vehicles, but you can’t make up your mind between the two – the popular car information website, Edmunds.com provides a helpful tool. This tool is referred to as, the “True Cost to Own” and it helps consumers by providing them with information about the total cost to own a vehicle that they may be considering purchasing or that they would like to compare to their current vehicle. Not only does this tool help you to determine the total cost to own a vehicle, but it can also help you determine the cost of insurance, as well. In the following information, we’ll explain how the Edmunds.com’s TCO tool can impact your auto insurance.

Insurance companies base auto insurance premiums on the total value of the car, as well as, the cost to repair or replace it. However, not only do vehicles depreciate, but the cost of insurance can also change, considerably, as well. Insurance costs can either decrease or increase, depending on the make and model of the vehicle. For instance, according to the Edmund’s vehicle pricing tool, the insurance costs to own a 2011 Infiniti QX56 would be approximately $1,410 for the first year, $1,459 for the second year, $1,510 for the third year, $1,563 the fourth year, $1,618 the fifth year with a five-year total of $7,560 in estimated insurance costs.

The True Cost to Own tool by Edmunds.com gives consumers a breakdown of how the the vehicle’s costs can change across the span of a five-year period. This tool factors in the vehicle’s depreciation (the decrease in value). This is important information, especially in terms of insuring a vehicle – in the event that there is a sudden drop in value after the second or third year – this will be result in cheaper insurance. However, while most expenses associated with owning a vehicle tend to decrease (e.g. – financing, fees and taxes), some expenses typically increase (e.g. – maintenance and repairs).

According to Edmunds.com’s website, there are eight aspects of depreciation including, insurance premiums, taxes and fees, depreciation, interest on financing, fuel, maintenance, repairs and any possible government tax credits that might be available. A system developed by Edmund’s statisticians provides an estimated ownership cost for a five-year term. This system has also been standardized so that consumers can accurately compare the total cost and expenses for different types of vehicles.
While one vehicle may have a cheaper initial price tag – it doesn’t mean that it is the best value because it doesn’t necessarily represent the actual cost to own the vehicle. The Edmund’s Car Values tool is a helpful way to determine the overall costs to own a vehicle for five years, even in terms of finding out the estimated insurance costs for any given vehicle, as well.




Nissan Quest Auto Insurance






If you are considering purchasing a Nissan Quest, you will likely, need to consider the cost of insurance, as well. While the Nissan name is considered a reliable and consistent option for drivers and generally, most drivers are happy with the overall quality and performance of this vehicle make. However, prospective buyers may wonder,  “Are the auto insurance rates for insuring a Nissan Quest, affordable?”

Safety is one of the most important aspects in determining the cost of insurance, and due to the fact that the Nissan Quest is loaded with safety features and that it has received excellent safety ratings – Nissan Quest can take advantage of cheaper insurance rates.  Keep reading to learn more about the safety aspects of the Nissan Quest, in relation to the auto insurance rates for the vehicle.

Nissan Quest: Safety Features

The Nissan Quest offers a variety of different safety features that impact the overall cost of insurance. Insurance companies offer lower premiums for policyholders who drive “safer” vehicles and additionally, they offer discounts for safety features, as well.  A few of the standard safety features on this vehicle include front, real and third row head airbags; four-wheel anti-lock brakes; tire pressure monitoring, rear door child safety locks; dual front side-mounted airbags; emergency braking assist; front and rear ventilated disc brakes and traction control. In addition, the Nissan Quest offers a remote anti-theft alarm system that lowers the risk of the vehicle being stolen or vandalized, therefore lowering the total cost of the premium. Additional safety features that may or may not be standard in a Nissan Quest include cornering lights, passenger airbag occupant sensing deactivation, engine immobilizer, front seatbelt pretensioners, electronic brakeforce distribution, passenger head restraint whiplash protection system, and driver restraint whiplash protection system.

Nissan Quest: Safety Ratings

The Nissan Quest received superb ratings in crash testing and safety testing. The National Highway Traffic Safety Administration rates vehicles for safety, in terms of how well they protect the driver, as well as, any passengers inside the vehicle. The Nissan 2011 received the following ratings: all five stars for overall passenger safety, five stars for overall driver safety, five stars for side impact rating, five stars for rear impact rating and four out of five stars for rollover safety. The Insurance Institute for Highway Safety (IIHS) conducts crash tests and provides ratings. The Nissan Quest received a ‘Good’ rating in terms of, frontal offset safety testing and side impact testing.

Due to the fact that the insurance companies use other methods for determining the insurance rates – it is difficult to determine what the final premium will be for Nissan Quest owners. While insurance rates are dependent on many different factors ranging from the policyholder’s driving record to where the vehicle is parked – overall, the Nissan Quest offers affordable insurance rates. Insurance companies appreciate many aspects about the Nissan Quest including, the reliable reputation associated with Nissan vehicles, as well as, the safety features and high safety ratings for these vehicles.




Honda Vs Toyota Which Cars Have Cheaper Car Insurance?






Toyota and Honda are two of the most popular rivals for the number one selling car in America. Both cars have competed for decades with similar features, prices and designs. For years, car owners have debated over which option is best. However, we’d like to answer this question, in terms of which car offers the cheapest car insurance.

While we, as consumers may tend to buy cars that have the most attractive features including, those with the cheapest price, the latest technology or the the most aesthetically appealing option – it’s important to consider the long-term effects of your choice, as well.

If you are buying a new car and debating over which top brand to buy – you may want to consider the cost of insurance when making your next selection.

Cheap Insurance for Honda and Toyota

Both car manufacturers sell affordable cars and the good news is that both vehicles offer cheap insurance rates, too. There are three specific reasons why these two brands offer cheaper rates. Honda and Toyota vehicles carry cheaper rates because:

  • Cheaper Vehicles = Cheaper Insurance Rates
  • Both companies manufacture economically priced vehicles, which means it costs insurance companies less to replace them (meaning less risk) – resulting in lower insurance rates.
  • Safer Vehicles = Cheaper Insurance Rates
  • Both companies manufacture vehicles that have multiple safety features and typically, receive high ratings in crash safety tests. Vehicles that are safer, pose less of a risk of being involved in an accident, which means less risk to the insurance company, and cheaper insurance premiums.
  • Smaller Vehicles = Cheaper Insurance Rates
  • Both of these companies often, manufacture vehicles that are smaller in size, which means these vehicles will cause less damage to other vehicles, in the event of a collision. Therefore, the insurance company stands less of a chance of having to pay for high-damage claims. Again, if the risk to the insurance company is lower – the rates will be lower, too.

Which has Cheaper Insurance: Honda or Toyota?

In terms of comparing insurance rates between Honda and Toyota vehicles, it’s hard to pinpoint which car is cheaper. However, as far as comparing insurance rates for similar vehicles from both companies – the rates are almost always about the same or at least very similar. For example, the  Toyota Corolla is priced around $19,359 MSRP with average insurance rates at around $1,250 per year, while the Honda Accord DX that features a starting price around $21,795 using the same basis to calculate an insurance quote had an average insurance rate of about $1,250 a year. While the MSRP is often, similar for both options – car insurance is generally, cheaper for Honda drivers* than it is for Toyota drivers. One factor that may contribute to higher rates for Toyota was the early 2010 recall of several Toyota models, which may have resulted in increased rates through some companies due to the heightened risk for coverage providers.

*Fact: Honda Civic has one of the cheapest insurance premiums in the entire sedan category.

In conclusion, Toyota and Honda are both comparable car makes, particularly because they both seem to release similar models. This means that the insurance rates are generally about the same for Toyota and Honda vehicles. Both car manufacturers have released similar hybrid cars – the Honda Insight and the Toyota Prius – and both offer an affordable sticker price, excellent fuel economy and almost matching insurance rates. Overall, Honda and Toyota vehicles are both exceptional options, in terms of affordably priced insurance rates.




Grand Cherokee Auto Insurance






The Jeep Grand Cherokee was released in 1992, ten years after its predecessor the Jeep Classic Cherokee. Since the Grand Cherokee was released at the North America International Auto Show in Michigan, it has maintained its position as a popular choice for mid-sized cars with American drivers.

Although fuel prices continue to soar, the Jeep Grand Cherokee continues to be a solid contender on American roads, as its 2011 models received a warm welcome when they were released in late 2010. The future looks solid for the Grand Cherokee – meaning they will likely, be on the roads for years to come. If you own a Jeep Grand Cherokee or are considering purchasing this popular model – chances are, you live in a state where car insurance is required, in order to drive your Grand Cherokee on the road. Therefore, it’s important to know all about insuring the rugged yet, luxurious JGC.

Jeep Grand Cherokee: Insurance Safety Discounts

Insurance companies offer drivers, discounts for safety features that are either installed or pre-installed in their vehicle. Therefore, Jeep Grand Cherokee owners can cash in on the savings for various safety features that come standard or are installed in the vehicle. Some of the most common “standard” safety features for Jeep Grand Cherokee models include: Anti-lock brakes (10 to 15 percent discount), passive restraint systems  (up to a 30 percent discount for models equipped with motorized seat belts and factory airbags), anti-theft devices (up to 10 to 15% off your premium for any anti-theft device in your vehicle).

Jeep Grand Cherokee: Affordable Vehicle & Insurance

The maximum price to buy a Jeep Grand Cherokee would be no more than $45,000, however, older models are available for comparatively cheaper prices. This is significant because insurance companies base part of the price of the premium on the price of the vehicle. The higher the price of the vehicle – the higher the cost will be to the insurance company to replace it, in the event that the vehicle needs to be replaced. Therefore, the reasonably priced Jeep Grand Cherokee means that insurance will be cheaper than most high-priced luxury models.

Facts about the Jeep Grand Cherokee Line –

Jeep Cherokees have been evolving for nearly 20 years into the fourth generation Jeep Grand Cherokee models we see today. Here are a few facts about the popular Jeep Cherokee line:

  • Jeep Grand Cherokee is the fourth generation of the Cherokee models.
  • Cherokee ZJ was the first model in the Cherokee line. This first phase of Jeep Cherokee came equipped with various standard and special edition options.
  • The second line was the WJ, which was an improvised version of the first model with better fuel economy and was completely redesigned from the original version.
  • The third model was the Cherokee WK that was released in 2005. This model focused more on high-level power and luxury.

The Jeep Grand Cherokee has been on the road for a long time, and things are expected to stay that way for this durable, luxury model. Therefore, Jeep Cherokee owners should be informed about what to expect in terms of insuring these popular SUVs. For the best deal on your Jeep Grand Cherokee insurance – compare rate quotes to find the best plan for your Jeep.




Compare Automobile Insurance Quotes Online – Pro Tips






If you feel like you are stuck paying car insurance rates that are too high, you don’t have to anymore – cheaper insurance is just a few clicks away!

Anyone can obtain online car insurance quotes for free, but to learn the secrets – you’ll need advice from a pro. To learn how to get THE MOST out of your online insurance quote experience, read our pro tips.

Get a Second and a Third Opinion

Compare multiple quotes from multiple sites to get an overall idea of the best coverage rates for you. At least two different comparison sites are recommended to get the most accurate picture of what your options are. Some comparison websites only compare two or three different companies, but many compare four to six different companies. The more you compare – the better chance you’ll have of finding the cheapest rates.

Cheaper is not Always Better

When comparing quotes, it’s very important to select a policy that meets your coverage needs and fits into your budget. While the goal of comparing quotes is ultimately, to find a cheap auto insurance plan – the cheapest plan is not always the best.

Pay attention to the coverage details for each plan. If a plan doesn’t meet the minimum coverage requirements for your needs (or your vehicle’s needs)– no matter how cheap the policy may be, it is not be the best plan for you. For instance, if you are entering your information for your vehicle (particularly, one that is your only source or access to income) and you are asked about optional extras such as, towing, rental or roadside assistance – you should carefully consider which options you and your vehicle may need. While a newer car may not need something like roadside assistance on the policy, it could save money in the long run for a car that is more than five or six years old.

Apples to Apples & Policies to Policies

Online quotes are based on information entered by the user, which can include info such as, the user’s age, zip code, driving history, type of vehicle they drive, etc. If you choose to enter your information into more than one insurance comparison website – you may be tempted to change some of your information, in order to get cheaper rates, however, this isn’t a good way to compare. The most accurate way to compare insurance rates is to enter the same information into each comparison site you visit. You can do this by staying organized – keep your vehicle and personal information together, as well as, information about anyone else in your household that must be listed on the policy.

Honesty Gets the Best Policy

In terms of entering your information into auto insurance comparison sites – your best bet will be to tell the truth. While it may be tempting to fib about the your DUI last year or the speeding ticket you got last month, it’s probably not a good idea. If you end up opening a policy through an insurance company – they’ll check your records and uncover the truth that way. When you are found out, it could result in higher insurance rates , as a result of more accurately calculated rates or it could result in the provider dropping your policy altogether. Entering accurate information is the best way to get the cheapest and the most accurate rate quotes online.




Top 3 Reasons to Combine Your Auto and Renters Insurance






If you rent your home and own a vehicle – there are some important things you should know, in regards to your insurance policies. Many insurance companies are encouraging customer loyalty by allowing individuals to combine both their renter’s insurance and their auto insurance on the same policy through their company to receive a multi-policy discount. If you’re interested in finding out why you should combine your renter’s and auto insurance into one policy – keep reading as we discuss the top three reasons for multi-policy insurance. 

Reason #1: Saves Money

There are substantial insurance discounts that are available to drivers and renters for many different reasons ranging from being a safe driver to installing theft deterrent devices in your apartment. If you’re like most Americans– every little bit you can save, helps. Therefore, if your insurance provider is offering a multi-policy discount to combine your auto and renter’s insurance together – it’s reason enough to take advantage of the offer. In some cases, policyholders can save as much as, 10 to 15 percent on their policy. In addition, the savings aren’t just assigned to one policy – in many cases, the savings are available on both!

Reason #2: It’s Convenient

While saving money is a great reason to combine your car insurance and renter’s insurance policies – there are more. Having all of your insurance needs being addressed by one company keeps things simple. Not only is a multi-policy less confusing than having multiple policies, all over town, but it can be much easier for you – rather than having to mail out/ drop off two (or more) separate bills for insurance – you can pay your bills, ask questions about both policies and make changes to your policy — all at once. With the rising price of gas combined with the hectic and busy schedules of most Americans, it makes perfect sense to combine each of your policies into one.

Reason #3: Additional Savings

Not only do multi-policyholders receive a substantial discount by combining their auto and renter’s insurance, but they can also be eligible for a loyalty discount offered by several insurance companies for continuing to use them as a provider and for staying “loyal” to the same company. Loyalty discounts can start out at five percent off of your premium for the first three to five years that you maintain a policy through the same company, and then, increase to an impressive 10 percent (additional) discount. Therefore, the savings are incredible for those who have one insurance policy for their apartment and their auto insurance.

While these discounts are not offered by all insurance companies – more and more providers are starting this discount, as a means of securing long-term, “loyal” customers who appreciate the additional savings. In order to take advantage of the savings and the convenience of combining your policies – you’ll need to speak with an insurance agent to determine what your options are, and what the final savings will be for your insurance policies.