Do I Really Need To Check My Auto-Insurance Policy?

It’s tempting to forget about your auto-insurance once you’ve purchase an initial policy, but should you? In short, no. Actually, you should take the time to speak with an insurance professional about your auto-insurance every six months or so. We know, it can be a bit of a pain, but it’s worth it! Why? Let’s take a closer look.

It’s important to shop around when looking for an auto-insurance policy if only because the market is so competitive right now. Pretty much every major insurer offers a variety of discounts that change throughout the year! It’s not only important to make sure that your auto-insurance policy properly covers you in the event of an accident, but also to make sure you’re getting the best deal you can! That’s why you need to check your auto-insurance policy every six months, and consider rate shopping every year or so.

Depending on your insurance provider, there can be a truly staggering amount of auto-insurance discounts available. While you’ll need to call your insurance agent to get the full list of discounts that are available to you, there are a few that most every insurer offers. Be sure to ask about:

Good Driver/Claim-Free Discount

Most insurers offer discounts to drivers who go a certain amount of time without any traffic violations or auto-insurance claims. If you haven’t had either of those over the last six months, call your insurer! You may qualify for a discount.

Good Student

Are you still in school? Save those report cards! Many insurance companies will offer a good student discount to individuals who maintain a certain grade point average. For most companies it’s at least a B average or higher.


The less you drive, the less likely you are to get into an accident, which is why pretty much all major insurers offer discounts for drivers who don’t drive a lot. Call your insurer today and see what mileage you need to stay under to be eligible for a discount.

Driver Training

Many insurers will offer a substantial discount on auto-insurance policies to drivers who complete formal driving training. Accredited drivers education course for new drivers usually apply as well as defensive driving courses for drivers of any age!


Being a member of an organization like AAA can also lead to some pretty hefty discounts on your auto-insurance policy. If you have been considering joining AAA, this is yet another good reason!

In short, no you don’t have to check your auto-insurance policy every six months, but you could possible save a lot of money if you do! The sheer number of different discounts that insurers offer for auto-insurance policies is reason enough to check in every few months. You never know what you might qualify for!

If you want to check today, consider calling the folks over at TGS Insurance. They are experts in auto insurance and are always willing to talk with you to find the best policy for you, and your wallet.

About Katie Rosario

Katie has been in the marketing industry for over 10 years and has a strong passion for writing great content. She has been writing for TGS Insurance for three years and strives to make every piece of content she works on informative and easy to read. In her spare time, she enjoys baking and spending time with her family.