How much do you pay for your auto insurance? If you are reading
this, the answer is most likely "too much " You are looking for
information that will help you save your hard-earned dollars, and
you have found it.
"Ten Questions" has been completely updated, revised, and
expanded for 2012. It has also been reformatted for the Kindle at
last, and the most effective way to use the guide is to own both
the ebook and paperback versions.
"Ten Questions" is not a book for "dummies," but it is an easy
to use, half-hour read, specifically designed to help save you
money.
It is a comprehensive and detailed explanation of the
underwriting process involved in determining the amount of premium
you pay. The facts and clear examples included in the guide are
based on my years of experience as a top-rated Sales Agent, and the
thousands of auto insurance policies I personally have sold.
Chapter One, "Risk" will help you understand what factors are
used to determine your rating "tier," and how to improve them. The
amount of premium you pay is determined by the amount of "risk" you
are seen to represent. Much of that determination is made through
your answers to a series of questions you will be asked, either
online, or in person by an agent. These are the "Ten Questions"
referred to in the title.
Chapter Two, "Discounts" contains a detailed description of
nearly every available auto insurance discount, and how to obtain
them. A single 5% discount that you have been missing each policy
term is costing you far more than this guide will. You will also
gain the knowledge that you will need to progressively lower your
rates over time.
Chapter Three, "Coverages" is a comprehensive explanation of
nearly every available auto insurance coverage, including what each
one does, (and does not do) for you, and how to the determine the
proper balance of cost versus benefit when choosing them. When you
finish reading it, you will know more about auto insurance than
most agents do. "Ten Questions" isn't about getting the cheapest
policy at the cheapest price: It's about getting the best policy at
the best price.
Chapter Four, "Sample Quote Process," is your ultimate weapon in
getting your new policy, because it details an actual phone quote
in real time, along with the "correct" answers to the "Ten
Questions." Knowledge is power, and this guide is a very powerful
tool that you will be able to use as long as you are driving and
insuring vehicles.
Advanced Topics is new for 2012, and this section includes
"Youthful Driver Strategies," and "State Specific Information,"
such as a layman's explanation of so-called "No-Fault" coverages,
and "Full," versus "Limited" Tort.
The Appendix contains all the technical terms that are used in
the guide, to help you understand the "trade talk" in the auto
insurance industry.
This guide will save you money in several ways, including: It
will help you find and qualify for discounts. It will show you how
to improve your rating tier, and lower your "base rate." It will
help you allocate your premium dollars more effectively, so that
you get the best coverage at the best price.
Find out what the insurance companies don't want you to know,
like the fact that you can switch carriers any time you want, as
often as you want. You do not have to wait until your current
policy renews in order to do so.
Learn the answers to the "Ten Questions "today, and get a better
policy for less money, tomorrow.
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