Tips on lowering your car insurance premiums.
1) Drive safely and drive less
The longer you drive without citations or accidents, the lower your premium will be. The more time you spend driving and the farther the distances, the higher the likelihood that you may end up in an accident regardless of how safe a driver you are. Consider car-pooling, taking public transportation or riding your bike. If you are a safe driver, many insurance companies offers a safe driver discount to reward your good driving habits.
2) Research before you buy
Before you commit to buying a new car, be sure to do your research. Some makes and models of cars, particularly those with excellent safety, theft loss or accident records, can be less expensive to insure.
If you're considering several models and can't decide, we can provide some coverage price comparisons for the models you're interested in. A higher -- or lower -- insurance coverage premium may make the decision for you.
3) Purchase multiple policies
You will save if you purchase multiple policies, insure additional cars, a motorcycle, boat, RV or your home and you can save on all of your insurance premiums.
4) Ask about additional discounts
Some common discounts include Safe Driver, Good Student, Multiple Vehicles, Multiple Policies, EFT and Paid in Full.
5) Choose a higher deductible
A deductible is the amount of a covered loss you agree to pay before the benefits of your policy are applied. In many cases, a higher deductible could mean a lower monthly premium, but would also mean paying more out-of-pocket in the event of a loss.