AIG Direct Auto Insurance

AIG Direct Website
Something as small as a "fender bender" can become a nightmare if you don't have the right AIG Direct auto insurance coverage. Depending on the accident, you could wind up paying for physical damages to both the person and their car. You may also find yourself in legal trouble if you are caught driving without proper AIG Direct auto insurance coverage, including small or large fines, voiding of your license, and increased auto insurance rates. Let our AIG Direct insurance specialists get you the best deals by comparing auto insurance rates from different agents in your area. Get started below:

Below are ways that you can save money on your AIG Direct auto insurance plan:

1. Shop Around

Prices vary from company to company, so it pays to shop around. Get at least three price quotes. You can call companies directly or access information on the Internet. Your state insurance department may also provide comparisons of prices charged by major insurers including AIG Direct auto insurance.

You buy insurance to protect you financially and provide peace of mind. It's important to pick a company that is financially stable. Check the financial health of AIG Direct auto insurance and other companies with rating companies or consumer magazines.

Don't shop price alone. Ask friends and relatives for their recommendations. Pick an agent or company representative, like AIG Direct auto insurance, that takes the time to answer your questions. You can use the checklist on the back of this brochure to help you compare quotes from insurers and on the same coverage.

2. Before You Buy a Car, Compare AIG Direct Insurance Costs

Before you buy a new or used car, check into AIG Direct auto 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. In many locations, AIG Direct auto insurance offer discounts for features that reduce the risk of injuries or theft. These include daytime running lights and anti-theft devices.

3. Ask for Higher Deductibles

Deductibles are what you pay before your AIG Direct auto insurance policy kicks in. By requesting higher deductibles, you can lower your premium 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.

4. Reduce Coverage on Older Cars

Consider dropping collision and/or comprehensive AIG Direct auto insurance coverages on older cars. If your car is worth less than 10 times the premium, purchasing the coverage may not be cost effective. Review your coverage at renewal time to make sure your AIG Direct auto insurance needs haven’t changed.

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

AIG Direct auto insurance will give you a break if you buy two or more types of insurance. You may also get a reduction if you have more than one vehicle insured with AIG Direct insurance. Some insurers reduce the rates for long-time customers. But it still makes sense to shop around! You may save money buying from AIG Direct insurance company, compared with a multi-policy discount.

6. Maintain a Good Credit Record

Establishing a solid credit history can cut your AIG Direct auto insurance costs. Insurers 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

AIG Direct auto insurance offers 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.

8. Ask about Group Insurance

AIG Direct insurance offer reductions to drivers who get insurance through a group plan from their employers, through professional, business and alumni groups, or other associations. Ask your employer and inquire with groups or clubs you are a member of to see if this is possible.

9. 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 AIG Direct insurance 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.