Bee Insurance Services #OF19756

The owner Brian R. Livesay - a licensed insurance agent (license number OB62777) is commited to provide you with superb service at great prices. His personnel experience range from management for several different companies including managing department for 12 branches of one of San Diego’s leading banking institutions and 6 of another. Brian R. Livesay has been a coveted speaker at many groups and locations through out San Diego. He is also the Regional Chairperson for RYZE of San Diego. Brian has many years of experience in the field of Taxes, Tax Planning, and insurance planning. Next step is up to you so why don't you call us and find out how we can lower cost of your car insurance. f

1. Before You Buy a Car, Compare Insurance Costs

Before you buy a new or used car, check into insurance costs. Car insurance premiums are based in part on the car’s sticker price, the cost to repair it, its overall safety record, and the likelihood of theft. Many companies offering car insurance in San Diego offer discounts for features that reduce the risk of injuries or theft. These include daytime running lights and anti-theft devices. To help you decide what car to buy, you can get information from the Insurance Institute for Highway Safety (www.iihs.org).

2. Have your broker check other insurance company discounts

Some companies offering auto insurance in San Diego companies try to reward good risks. That’s the kind of driver they want. A lot of companies offer discounts to drivers who also have other kinds of insurance with them such as their homes. This is called a multi-policy discount. Other discounts available might be - multiple vehicles, anti-theft devices, retirees, drivers education, abstainers from alcohol, age, and distance to university/colleges for students. To name a few. Check with your broker to all that are available---- it will save you money!

3. Ask for Higher Deductibles

Deductibles are what you pay before your insurance policy kicks in. By requesting higher deductibles from your San Diego auto insurance company, you can lower your costs substantially. For example, increasing your deductible from $200 to $500 could reduce your collision and comprehensive coverage cost by 15 to 30 percent. Going to a $1,000 deductible can save you 40 percent or more. Before choosing a higher deductible, be sure you have enough money set aside to pay it if you have a claim.

4. Reduce Coverage on Older Cars

Older cars in San Diego may have too much auto Insurance coverage. Consider dropping collision and/or comprehensive coverages on older cars. If your car is worth less than 10 times the premium, purchasing the coverage may not be cost effective. Auto dealers and banks can tell you the worth of cars. Or you can look it up online at Kelley’s Blue Book (http://www.kbb.com). Review your coverage at renewal time to make sure your insurance needs haven’t changed.

5. Buy your Homeowners and Auto Coverage from the Same Insurer

Many insurance companies offering insurance in San Diego will give you a break if you buy two or more types of insurance. Auto Insurance, Homeowner Insurance, and Life Insurance may apply. You may also get a reduction if you have more than one vehicle insured with the same company. Some insurers reduce the rates for long-time customers. But it still makes sense to shop around! You may save money buying from different insurance companies, compared with a multi-policy discount.

6. Maintain a Good Credit Record

Establishing a solid credit history can cut your insurance costs. Insurance companies in San Diego are increasingly using credit information to price auto insurance policies. To protect your credit standing, pay your bills on time, don't obtain more credit than you need and keep your credit balances as low as possible. Check your credit record on a regular basis and have any errors corrected promptly so that your record remains accurate.

7. Take Advantage of Low Mileage Discounts

Some companies offer discounts to motorists who drive a lower than average number of miles a year. Low mileage discounts can also apply to drivers who car pool to work. Saving valuable money spend on insurance and gas for your car in San Diego

8. Seek Out Other Discounts

Companies offer discounts to policyholders who have not had any accidents or moving violations for a number of years. You may also get a discount if you take a defensive driving course. If there is a young driver on the policy who is a good student, has taken a drivers education course or is at a college out of the area without a car, you may also qualify for a lower rate.

You can send Brian an email at info@insuremesandiego.com