Whether you choose to give Qwiksilver Insurance your business or decide to use someone else, by reading and utilizing the Tips below, it could potentially save you hundreds of dollars off your insurance down payment and total cost for insurance. Please read...... 

1. $19 DOLLARS A MONTH! - Have you, or anyone you've known, ever actually paid $19 dollars, or even $29 dollars a month for their auto insurance? Unfortunately, the answer is, probably not. Rarely if ever will they apply to your situation. Advertising that these types of ridiculously low payments are available without knowing your full situation are meant simply to tease you into picking up the phone. You need to ask yourself, do you really want to give your money and your trust into an organization that need to rely on such advertising tactics? The saying "If it sounds too good to be true, it probably is!" applies here. Qwiksilver Insurance will never play games with your emotions, your money or your trust!  

2. BROKERS - There are thousands of brokers doing business in the state of California. Some do heavy TV and radio advertising to get your business. Because of this, they can seem "bigger" and can provide that name recognition, however, does that mean you will be saving money by going with them? Not necessarily.... Many of the "big name" brokers will quote your business through the exact same insurance company that can be offered and available through Qwiksilver Insurance and/or thousands of other brokers doing business in this state. The money saving difference for you, is that many of these "big name" brokers like to charge a big broker fee to help pay for that expensive TV and radio air time, where Qwiksilver, and other brokers alike, don't have that cost, enabling us to offer a much lower and more competitive down payment thereby saving you money. Remember, it is not the broker who is insuring your car, but the insurance company they are placing your business through. When shopping quotes, ask what company you are being quoted through. Why pay a bigger down payment if you can get the same insurance company, for less?? Qwiksilver Insurance carries many of the same insurance companies that are quoted by the "big name" brokers. 

3. COMPARE PRICES - The most effective way to make sure you are getting the best rates available is to comparison shop the market, but NEVER reveal your best rate to anyone. Make the broker or agent give you his or her best rate before you reveal your lowest quote offer. If the first question from a broker or agent is "What's been the best rate you've found so far?" beware, asking these "pre-qualifing" questions up front, suggest to me they do not practice quoting their lowest available rate and your response will also help them determine what type of down payment you are willing to spend. Qwiksilver Insurance never ask up front "pre-qualifing" questions. We confidently quote our best rates, knowing our average down payments are some of the lowest available! 

4. VAGUE PRICES - Based on the information you provide, an agent or broker should be able to come up with a realistic and solid number for your insurance. As an example; a realistic and solid price of $974 for the year should not be vaguely conveyed to you as "around $900 for the year". The same goes for the down payment and the monthly payment as well. Beware of vague tactics like this. Always ask for your quote in writing. In the end your total cost for insurance may be much more than "around $900 dollars!" Qwiksilver Insurance never rounds prices, there is never any hidden charge surprises and will always provide your quote in writing!  

5. RAISING YOUR DEDUCTIBLE - When was the last time you paid your deductible? For many, their answer is years or even never! And that's the point. The advantage of raising your deductible, is that your yearly cost go down. Go a number of years without making a claim and your ahead of the game. Several Consumer Protection groups agree and also publish the money saving principals of raising your deductible. Ask your Qwiksilver representative how much you can save off your quote by raising your deductible! 

6. BROKER FEES - Brokers are entitled to charge a fee for their services and the broker fee is negotiable, and that's O.K. Because even with a broker fee included, regardless of your situation, the total cost for your insurance may still be cheaper than anywhere else, because brokers have access to numerous insurance companies that only deal with brokers and not directly to the general public. When getting a quote over the phone, ask up front how much is the broker fee, an honest broker will have no problem revealing this information over the phone to you, whereas a broker who simply states "its already included in your down payment" and not revealing his fee, is probably looking to "bump" up his fee at the point of sale. Ask how LOW your Qwiksilver broker fee is and COMPARE. You'll be glad you did!  

7. "LOW BALLING" TACTICS - Anyone can sound cheap over the phone, but sounding cheap and being able to back up and deliver the price as quoted when you get to their office, is two different things. Unfortunately, there are bad apples in every barrell and you need to be aware of their less than honorable tactics to get your business. The "Lowballers" game-plan is to quote a very low down payment in their price over the phone to get you into their office and when they discover a discrepancy in the information you provided (they are masters at finding these) or simply discovering an honest omission of fact (a ticket your forgot about, etc.) they give you the true and correct price using the "omission" as the reason for the now substantially higher rate, which also means they increased their broker fee amount, many times by hundreds of dollars, and most people when confronted with that situation simply will not get up and leave and will pay the higher amount. "Lowballers" know this and count on it!  Qwiksilver quotes and delivers LOW down payments and AFFORDABLE monthly payments! 

 8. DOWN PAYMENTS - Most insurance down payments will consist of a percentage of the total policy premium and fee's associated with securing the policy. All fees's are typically considerded "earned" meaning non-refundable. The premium portion of the down payment is the first payment ONLY, typically covering the insured for the first 30 days before the next "premium payment" is due, however in exchange for an even lower down payment, there are some programs where the next "premium payment" may be due in 25, 20, 18 or as little as 14 days from the inception date of the policy. Make sure you undertsand your premium billing schedule to ensure keeping your policy current. Also, beware of brokers who state their down payments "cover two months of insurance....your first and last month!" and is the reason their down payments are a little more. This is a mis-leading statement. (usually its a bigger broker fee as to the real reason their down payment is a "bit more").  NO insurance company requires the first and last month to be paid up front. Also if the policy were to be cancelled mid-term or past 30 days from the inception, you dont have that "one month" of insurance being refunded back to you!!. Again, it is a mis-leading statement and I would never trust a deceptive broker or agent who made a statement like that, and you shouldn't either!.  Qwiksilver Insurance dosent have to rely on mis-leading or practice decieptive tactics!   

9. LOW MILEAGE - You are entitled to receive a discount off your insurance if you drive less than a predetermined number of miles a year or drive a certain distance to and from work. Your agent or broker should be asking you questions regarding annual mileage and distance to work. If your agent or broker is not asking about a simple mileage discount, what other discounts are they not asking about?  By choosing Qwiksilver Insurance we will apply all available discounts within your policy to get you the lowest possible rate available! 

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