AIS compares the rates from multiple California insurance companies to help you find the best combination of price and

protection.

Changes that Affect Your Insurance Policy

Auto Insurance Specialists

Life-Changing Events

Your insurance policy will change as your life changes. While this can be a bit confusing, it’s typically a good thing, because:

– It’s important that you always have the coverage you need at every stage of your life.

– Some life-changing events – such as marriage – tend to reduce insurance premiums.

Moving

Insurance requirements – and even insurance companies – change from state to state, so if you’re changing states, your insurance policy and premium will likely change. But even if you change cities, your car insurance policy can change depending on a number of factors, including the cost of insuring a vehicle in that city.

Buying a HomeHome owners tend to get a break on their auto insurance premiums thanks to multi-policy discounts, and the area in which they live. This will fluctuate depending on the following factors:

– Length of commute.– The neighborhood the house is in.– Whether or not the car will be

kept in a garage.

Getting MarriedMarried people are seen as lower risk to insurance companies than their single counterparts, so newlyweds will likely see a reduction in their insurance premiums simply by saying ‘I do.’ Here are other ways married couples can save:

– Joining the same insurance policy for multi-car discounts.– Combining their renter’s insurance, homeowner’s insurance or

condo owner’s insurance policy with their car insurance policy.

Getting Divorced

Just as getting married can serve as a boon to your insurance premium, getting divorced can have the opposite effect. If you are getting a divorce, it’s important to contact your insurance provider to discuss the situation and see if there are any other discounts you might be entitled to in order to offset the costs.

Having Children

Having children alone probably won’t do anything to change or reduce your insurance costs. However, based on a new life situation, you may decide to purchase life insurance and health insurance, which can qualify you for multi-policy discounts.

But, when the children start to drive, bringing them onto your policy could be quite an expense.

Retirement

When you retire, how and where you spend your time will likely change. You might choose to sell your house and move into a condo, or even move across the country. You might choose to drive a lot more or a lot less depending on where you live, and how you want to spend your time.

When planning for retirement, it’s important to determine how your new lifestyle will affect your insurance costs. Don’t hesitate to call your insurance provider in order to discuss your future plans.

  Disclaimer: This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

Auto Insurance Specialists LLC, CA Insurance Lic. 0524784

Auto Insurance SpecialistsChanges that Affect Your Insurance Policy

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