5 Ways To Save On Auto Insurance

Are you tired of paying too much for auto insurance?  No one wants to pay more than they have to!  That’s why it’s important to know what savings and discounts are available.  Here are a few things to discuss with us at your next review.

Is Your Driving Record Accurate?
Tickets, accidents, and claims will raise your rates!  That’s why it’s important to make sure your motor vehicle report is accurate.  Ask us if anything showed on your record and make sure that the information is correct.  

Take A Defensive Driving Class
Have you taken a defensive driving course in the past?  Let us know.  You may qualify for a discount!  

Don’t forget about driver’s ed classes for your teenagers too.  Just get a copy of the completion certificate for your records. Many of these discounts apply for several years and give substantial savings.

Increase Your Deductibles

The deductible is the amount you pay out of pocket after an accident (or for hail damage, etc.) The higher that out-of-pocket amount, the lower your monthly premium!

So if you are currently carrying $100 or $250 deductibles, consider raising them to $500 and keeping a little extra in your savings account.  You could save a lot each month while still being protected from any major damage.  We can give you prices for a range of deductibles to help you decide.

Find The Best Payment Options
Depending on your individual policy, we may be able to offer various discounts for paying your policy premium in full or putting it on a monthly bank draft.  While $3-4 a month might not seem like much, over time it really adds up!  Ask us about payment options for your policy and see where you can save. Also when you use an automatic draft you can eliminate your monthly service fee by using Farmers Paperless Billing.  Eliminating this can save another $2-$5 per month.

Keep Your Insurance In One Place

One of the largest, and most overlooked, savings opportunities is to have multiple polices with one company!  If you carry homeowners or renters insurance with a different company, let us quote it!  Many times our clients will save several hundred dollars per year just by having their policies in one place.  We also offer great rates on boat, motorcycle, and ATV policies.  Many times the discount on our clients auto policies when they add their boat policy pays for a majority of the premium; it’s a no-brainer!

Remember, getting these savings isn’t difficult.  In fact, with one short phone call we can review your policy, look for discount opportunities, and discover your coverage.  Give us a call today to get started!