Are you looking for ways to keep your auto insurance premiums manageable? Here are 9 ways you can save on your insurance (without sacrificing coverage.)
1. Driving Record
Your driving record plays a big role in how much you pay for insurance. By keeping a clean record for 3-5 years, you can save hundreds of dollars! Being a cautious driver can help save on your insurance premiums.
2. Driving Course
Defensive driving courses are an easy way to achieve an extra discount. Make sure to call us before taking the class if you’re using it for a discount so we can verify that your policy qualifies.
3. Anti-Theft Devices
Installing an alarm or other anti-theft device can lower premiums on your vehicle. Make sure to discuss all features with us, sometimes even power locks and a remote can count!
4. Your Credit Score
While insurance uses a different formula then the credit bureaus, your credit still affects the rate you pay. Good credit can save you hundreds (even thousands) on your premiums! Make sure to review your report on a regular basis and have any mistakes corrected.
5. Where You Live
Rural areas pay less for insurance than the big cities do. It’s all about risk and with a large population, there are more chances for an accident. Therefore, where you choose to live can impact your rates. Consider visiting us before purchasing a home if you’re concerned about the costs (it is based on the zip code).
6. Your Vehicle
The vehicle you choose to purchase also makes a difference! Some vehicles cost a lot more to repair than others, which drives up their rates. Easy way to avoid buying a money-sucker? Call us first and let up quote the vehicle before you sign on the dotted line.
7. How Often You Drive
If you take public transportation and only drive on the weekends, you’ll pay less than someone with a long commute. Make sure to review your annual mileage and daily commutes with us (especially if they change) so that you can receive the extra savings.
8. Raise Your Deductible
A higher deductible (your out of pocket cost in a claim) means a lower monthly rate. If you have enough in savings to comfortably cover your deductible, then you’ll save on your insurance costs and benefits in your specific situation.
9. Your Agent
And the best way to save? Work with a local agent! You’ll get the coverage you need plus you’ll have an advocate working on your behalf to find the best rate, all the discounts, and an easy explanation of any gaps in your coverage. It’s the #1 way to control your risk, maximize your savings, and protect your family.
We want to be your agent! Call us at 360-452-9200, visit our Agency Website, or come into our office at 707 East Front Street, Port Angeles, WA 98362 to discuss your policy today.