1. The higher the deductible, the lower the premium
If your auto insurance bill looks a bit steeper than you want to pay, consider changing your deductible. Generally, the higher the deductible, the less you’ll pay in premiums. Many deductibles are set at $500. If you can raise it to $1,000 to even $2,000, your insurance costs will be lower.
2. Bundle your insurance needs together
Many insurers will offer a discount on costs if people have more than one policy with them. So if you’re in the market for homeowners insurance, business insurance, or boat insurance, ask if discounts are available.
3. Take a defensive driving course
Insurers like safe drivers! The more you can prove you, or other family members insured under your policy, are safe drivers, the lower your auto insurance bill is likely to be. Defensive driving courses are one way. Many insurers will lower your bill by a certain percentage if you have proof that you’ve taken and completed such a course. Even better, these courses can often be taken conveniently online.
4. Ask about discounts
Membership in many organizations can net you a discount on auto insurance. Triple A membership, for example, is frequently used for a discount on auto insurance. If you’re a member of a credit union or even an alumni association, check to see if they offer discounts on car insurance.
5. Research car safety records when you’re in the market for a new one
As you probably know, car insurance costs vary widely by make and model of your car. You’ll pay more for a Ferrari than for a Honda! The reason is that insurers keep a lot of data on the safety records of every car on the road. Some, whether they are manufactured better or purchased by people who tend to drive very safety, have better safety records than others. It’s a good idea to research the safety records of comparative cars if you’ve in the market to purchase a new vehicle.
If you would to like to discuss your options for car insurance please call us at 561-732-9305 our quoting hours are Monday through Friday from 8:30 AM to 5:30 PM.
In addition, you can request a quote online. Please remember, We Handle All the Work, While You Save!
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Rob Macoviak is the President of Oyer, Macoviak and Associates. Oyer, Macoviak and Associates is the oldest independent insurance agency in Boynton Beach and has been in business since 1953.