One of the most common questions we hear as insurance agents is, “How can I lower the cost of my car insurance?”  Let’s face it…all of us are trying to save money whenever and wherever we can.  While auto insurance is not only required in our state, but also financially wise for all of us to carry, it can sometimes be a pretty big expense in our monthly budget.  If you are a responsible person there are typically numerous ways you can lower the cost of your car insurance policy.  Here are 12 ways you can lower your auto insurance premiums:autoinsurancesavings

     1.  Get the package deal.

You can save up to 15 percent when you combine your home and auto insurance policies with one insurance carrier.

     2.  Be a Safe Driver

Most of our insurance carriers offer discounts to safe drivers who have a clean driving record, drive a safe car or take an accident prevention course.

     3.  Take an Accident Prevention Course

Drivers within a defined age range (55+ in most states) who successfully completed an approved accident prevention course may get a discount that lasts for three years.

     4.  Teen Safety Reward Programs

Several of our carriers provide a collection of tools, benefits and discounts to help your teen become a safer driver and to help you manage the cost of adding a teen driver to your auto policy.

     5.  Teen Safe Driver Discount™

You may save up to 15% with a Teen Safe Driver Discount™ when you share how well your teen drives with us.

     6.  Drive Less. Pay Less.

Some insurance companies offer up to a 20% discount for low mileage if your car is in the driveway more than it’s on the road.

     7.  More Than One Car

Get a discount when you insure multiple cars on the same policy.

     8.  Deter Thieves: Anti-Theft Devices Discount

Qualify for a discount when your car is equipped with an audible alarm or a disabling device that renders the fuel, ignition or starting system inoperative. And, if your car has either a LoJack® or Teletrac® system, you may be able to waive your comprehensive deductible if your car is stolen while the service is activated.

     9.  Anti-Lock Brakes Discount

A discount is available in some states for cars equipped with a factory installed four wheel anti-lock braking system (ABS).

     10.  Own Your Own Home

Qualify for significant savings on your auto insurance when you own and primarily reside in a single-family home, townhouse, condominium or mobile home.

     11.  Increase Your Deductible

You can lower your premium by shifting part of the loss payment to yourself. For example, if you had a $500 deductible, you would need to pay the first $500 of a covered loss. A higher deductibles generally lower your premium, but increase the amount you must pay yourself if a loss occurs.

     12.  Pay Your Bill in Full

Pay your bill in full when you start or renew a policy instead of paying in monthly installments and you get a discount.
If you would like more information on these savings or would like to double check and make you’re taking advantage of all available discounts offered, please call or email our office and speak to one of our knowledgeable agents or service representatives.  We strive for every one of our customers to be taking advantage of every discount available.