9 Ways To Save on Auto Insurance

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. 

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Matt Elwood

Matt Elwood grew up in Port Angeles, graduating from the high school before moving south to attend Pepperdine University in Malibu, CA. While earning his B.S.in Business Administration he secured an internship at Northwestern Mutual and started his financial career. After graduating from Pepperdine, Matt built a successful Insurance practice in Los Angeles while earning his investment licenses. After a decade of being away from family, Matt decided to move back to Port Angeles and purchase his mother’s Agency. The Helen Elwood Insurance Agency has been an established Allstate agency in Port Angeles for many years. Matt purchased the business in January 2011 and renamed it Elwood Benefits. Matt is focused on growing the business which leaves him little time for anything else. When he does take a break you’ll find him enjoying his family or out on the golf course.

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What is Rental Reimbursement Coverage (And Do You Really Need It)?

You may have noticed in your auto policy documents the term Rental Reimbursement. What is it? How does it work? Do you REALLY need it?

Essentially Rental Reimbursement is a coverage that helps you when your car is in the shop getting repaired from a covered claim. For example, a fender bender or a wind storm that caused a tree branch to fall on your car. 

What will you drive? How does it work?

This is where Rental coverage comes into play. The insurance company will pay a certain amount per day (based on your policy) towards a rental car. This way, you can still make it to work and family events. 

Do I really need it?

We highly recommend this coverage, however there are some instances that you may not need it. If you own multiple vehicles, live close to work or town, or work from home, you may not need the rental coverage.

If you are not sure what coverage is best for you, please give us a call at 360-452-9200, or visit our Allstate Website and we can discuss exactly how much the coverage will cost and the different levels that are offered. We look forward to helping you choose the right coverage for you!

Comment

Matt Elwood

Matt Elwood grew up in Port Angeles, graduating from the high school before moving south to attend Pepperdine University in Malibu, CA. While earning his B.S.in Business Administration he secured an internship at Northwestern Mutual and started his financial career. After graduating from Pepperdine, Matt built a successful Insurance practice in Los Angeles while earning his investment licenses. After a decade of being away from family, Matt decided to move back to Port Angeles and purchase his mother’s Agency. The Helen Elwood Insurance Agency has been an established Allstate agency in Port Angeles for many years. Matt purchased the business in January 2011 and renamed it Elwood Benefits. Matt is focused on growing the business which leaves him little time for anything else. When he does take a break you’ll find him enjoying his family or out on the golf course.

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