Ten Steps to Lower Your Auto Insurance Premiums

We know you want to save money on your insurance. Who doesn’t? Here are ten steps you can take to lower your premium.

1. Bundle your insurance
   Insurance carriers tend to give great discounts when you bundle your auto insurance with other insurances, such as your homeowner’s insurance, renters insurance, motorcycle/RV/boat insurance, or even if you have insurance on multiple vehicles. It’s worth a conversation with us to see if we can bundle the policies with one carrier. 
   
   
2. Reach out to us before you buy a vehicle
   Let us know what models you’re considering and we can compare the costs. This step alone could save you a good chunk of change!
   
   
3. Seek a low mileage discount
   If you drive fewer than 10,000 miles a year, ask us if you qualify for a discount.
   
   
4. Choose a higher deductible
   If your finances allow you to pay a higher deductible in the event you have a claim, you could save money by making this switch. We would happily help you determine whether or not the saving from a higher deductible would be beneficial.
   
   
5. Pay your bill in full
   Companies are offering discounts of up to 10% if you pay the entire annual amount in full.
   
   
6. Take a defensive driving insurance course!
   It’s easy and it’s online. Visit the home page of our website for a defensive driving course that we recommend.  You will save 10% on your insurance; this discount lasts for three years. Then you can take the course again!
   
   
7. Maintain good credit
   Insurance companies know that if you have a good credit history, you will likely pay your bills on time and you have shown the ability to be responsible; studies show that responsible people tend to have fewer accidents. Thus, maintaining good credit could earn you a lower rate.
   
   
8. Maintain a good driving record
   Tickets and accidents really do matter. It’s simple: Don’t get tickets and drive responsibly.
   
   
9. Re-quote your policy with us
   If your insurance premium in rising, allow us to requote your policy. Because we can “shop” insurance from so many top carriers, we can check to make sure you’re getting all your discounts, update your information and check rates at each company. This could result in nice savings for you!
   
   
10. Ask your agent if you qualify for any other discounts
    There are all sorts of discounts available with different carriers, including those for having a good credit score, going paperless, getting good grades, being a safe driver and more. We are experts in insurance; allow us a chance to see what we can uncover for you.

If you are our client, we work for YOU. Call us with questions or just to have a good conversation about what you can do to save money on your insurance.