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red convertibleWhether a vehicle is for business or personal use, specific needs for Battle Creek auto insurance will change based on how much the vehicle is driven. Businesses that are limiting the use of a company vehicle, or drivers who are parking a household vehicle in the garage, can take advantage of some easy insurance changes to lower the cost of keeping a less active car or truck insured.

One of the first things that drivers should think about with garaged or retired vehicles is the possibility of canceling comprehensive and collision insurance. Those who are ensuring vehicles often add these extras in order to cover any kind of damage that can happen on the road, along with coverage for theft and vandalism, fire and flood, and a range of other possibilities. However, for a car that doesn’t get driven much and is kept in a safe place, comprehensive and collision insurance are usually just boosting insurance costs without providing much of a benefit.

Drivers or others who are trying to lower insurance rates for a seldom used vehicle can also ask insurance companies about how they charge their customers according to annual mileage. Reporting less mileage over a year can often bring down insurance rates for a vehicle. Some common benchmarks are 3,000; 6,000 and 10,000 miles per year. By selecting the lowest projected mileage, drivers can frequently get a slightly lower rate.

In addition, it’s a good idea to go over all of the extras that might be in a household or small business auto insurance policy. These include items like rental car provisions, emergency roadside pickup, and other options that the insurance holder might not need if there is usually another driver or vehicle in that person’s business or family that can assist in any kind of roadside emergency. It’s often when insurance customers get down into the details of their accounts with company representatives that they uncover additional opportunities to save.

Using these simple steps can help families and small businesses trim the fat on auto insurance policies. In addition to shopping around for competitive coverage rates, part of being thrifty on auto insurance involves knowing just what is needed, and how to select the best and most affordable options according to changing situations and changing needs.

For assistance altering your auto insurance policy, give Allen Harmon Insurance a call today at 269-441-5156.

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