Hi Folks, Tom here Owner of TMD Enterprises Photography & Videography. With our business being drastically impacted by Covid-19 I am trying to save and cut corners as much as possible. I sort of stumbled upon this cost-saving measure.
Call your auto insurance and ask them to review your policy and verbally ask them to run your 'Insurance Score' it's like your credit score but for your insurance. Insurance companies do not run this automatically so when my policy recently renewed the insurance score was not run, this is something you can do on a yearly basis and that can only be done with verbal authorization from the policyholder. Apparently, mine had not been run for three years. So when she went to check it the only 'change' I made to the policy really was reduced the number of miles I drive in a year (which really doesn't change the cost of the premium that much if any) Keeping everything the same after she ran the Insurance Score she was able to drop my monthly payment by $67 per month that nearly 18-minute call saved me $403.86 for what's left of my 6-month premium. It is definitely worth having them run it. Now Your Insurance Score can increase your premium if you run it as well so carefully review to make sure you haven't had any lapses of your insurance or any other derogatory 'dings' with your insurance as you may not want it updated.
To give you a sense of how the conversation went I have included the recording of the call with any private or identifying information removed.
Give it a try and if it works and saves you some money hit me back and leave a comment and let's see how much money we can save folks.
To hear the audio from the conversation with Geico click this link: https://jivephonecalls.s3.amazonaws.com/2020/12/27/Insurance+Score.wav