Looking for ways to keep your auto insurance premiums manageable? Today we'll
share 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! Be a cautious driver, don't
speed, and you'll lower your premiums.
2. Driving Course
Defensive driving courses are an easy way to achieve an extra discount. They can also
help keep a ticket from showing up and messing up your clean driving record. 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
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
5. Where You Live
Rural areas like Port Angeles and Sequim pay less for insurance than the big cities do. It's all about risk and with a large population, there is more chance for an accident. Therefore, where you choose to live can impact your rates. Consider visiting with 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 us quote the vehicle before you sign on the dotted
7. How Often You Drive
If you take public transportation and only drive on the weekend, 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 $1000 in savings and could afford to use it if you had an accident, then you'll
save on your insurance cost by having a $1000 deductible instead of a $250. We can
help you review the costs and benefits in your specific situation.
9. Call Matt Elwood - Allstate Insurance
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 to control
your risk, maximize your savings, and protect your family.
We want to be your agent. Call us at 360-452-9200 to discuss your policy today.