Saving Money on Auto Insurance

There are many factors that go into determining auto rates, many of which are beyond our control. However, there are things you can do to save money on auto insurance costs.

1. Drive Safely- most insurers offer the lowest rates to drivers with good driving records.

2. Deductibles- Choosing a higher deductible can mean paying less for your policy. Consider the rising cost of repairs and what you can afford to pay out of your own pocket.

3. Safer cars benefit - a car that is practical, safe to drive and inexpensive to repair will cost less to insure. High performance cars, expensive cars (costly repairs) and cars that are likely to be stolen will cost more to insure.

4. Eliminate unnecessary coverage- If you drive an older car with little cash value, consider eliminating collision or comprehensive coverage.

6. Money saving discounts- some common discounts insurers offer are anti-lock break credit, anti-theft credit (alarms, passive disabling device, keyless devices), defensive driver credit (state approved defensive driver accident prevention course), driver training credit (under 21 yrs old), good student credit, low mileage credit (lower miles on road, lowered risk of accident), multi car credit.

Packaging your insurance policies (Auto & Home) can also save you money!

Courtesy of Marni Jurgens - Personal Insurance Department