3 Tips That Can Help You Pay Less for Auto Insurance

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3 Tips That Can Help You Pay Less for Auto Insurance

3 Tips That Can Help You Pay Less for Auto Insurance

3 October 2022
Insurance, Blog

Are you tired of struggling to pay your auto insurance bill each month? If so, the tips below can help to put some wiggle room back into your budget by helping you to reduce the cost of your insurance without giving up any of the quality coverage that you need. 

Tip #1: Take Advantage Of Affiliate Discounts

Many insurance companies offer special discounts to customers who have fleet or commercial insurance accounts. These discounts often include savings for employees or members of a community organization. Unfortunately, many people are unaware of these discounts and therefore fail to take advantage of them. If you are looking for a way to save money on your auto insurance, check with both your current insurance company and your employer to see if there are any discounts available to you. You may also want to check with other organizations that you are affiliated with in order to determine if they offer a discount on your auto insurance. 

Tip #2: Sign Up For A Safe Driver Program

The rates you pay for your auto insurance are based on how much of a risk the insurance company is taking by offering you coverage. If you are a safe driver, this risk will be lower and so will your insurance rates. Nowadays, many insurance companies offer you the chance to prove your safe driving skills through mobile apps that record data each time you drive and share this data with the insurance company. Choosing to sign up for one of these safe driver programs can be a very easy and effective way to lower the cost of your insurance policy. In fact, many insurance providers will reward you with an immediate discount simply for signing up for the program. 

Tip #3: Buy All Your Insurance Policies Through The Same Company

Insurance companies routinely offer multi-policy or bundle discounts to customers who purchase more than one type of insurance coverage from them. This is the insurance company's way of rewarding loyal customers and encouraging their customers to purchase all of their insurance coverage in one place. If you are currently carrying policies through multiple different companies, choosing to bundle these policies with a single insurance provider can be a quick and easy way to qualify for a discount and begin saving money each month. 

Bonus Tip: Raise Your Deductible As High As You Can

Another quick and easy way to save money on auto insurance is to raise the deductible associated with your collision and comprehensive coverage. The higher you raise this deductible, the more dramatic your savings will be. Consequently, you will also want to set your deductible as high as you can while still ensuring that you will be able to realistically cover this deductible in the event your vehicle is damaged. 

To learn more, contact an auto insurance agency in your area such as Kesner Insurance Agency Inc.

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your home business and homeowners insurance

When you operate a business from your home, you enjoy the benefit of not having to commute to a busy office every single day. One thing that you may not have considered is whether your home business is covered under your current homeowners insurance policy. If you have expensive equipment, inventory and files stored in your home, you may need to add a rider to your insurance policy to ensure that you are covered. Find out more about how a home business can impact your homeowners insurance policy and whether or not you are protected as your policy stands today.