Most insurance companies offer discounts that can put money in your pocket.
Your Professional Insurance Agent can explain what discounts companies offer and whether you are eligible. Here are some ideas:
Higher is Lower. You can reduce the price of your insurance by raising your deductibles. But first, decide how much deductible you can afford to pay if you have a claim.
Age Before Beauty. Consider reducing or dropping collision and comprehensive coverage if you have an older car. No matter how bad the damage, your policy only pays for the car's cash value. You may throw money away if you keep paying premiums on a car that costs more to repair than your policy will reimburse.
Keep It Clean. A good driving record can help keep your rates down. This means no accidents when you're at fault and no moving violations. If your record is clean, insurers may charge you less. You may also have more companies to choose from if you're a good driver.
Premiums On Premium Cars. You may pay more if you buy a new car, a sports car, a luxury model or a car that's easily damaged. Know how much you want to spend on insurance before you buy the car. Ask your agent for advice.
A Family of Policies. You may get a discount by insuring all your family cars on one policy. You can also save by having your cars and home insured with the same company.
Unlock Savings. Some insurance companies will give you a discount if your car has anti-lock brakes.
Come Up For Air. Airbags and automatic seatbelts could mean a discount.
Drive Less, Save More. Do you carpool to work, use mass transit, or leave your car in the garage most of the time? If so, you may get a discount.
To Forgive Is Divine. Some companies won't raise your rate for your first accident when you're at fault if your driving record is clean for several years. Ask about "accident forgiveness."
Make Thieves Grieve. You may qualify for a discount if you make your car theft-proof. Install a hood lock or alarm. Add an anti-theft device that keeps your car from being "hot-wired" or one that will emit a radio tracking signal to assist in recovery if the car is stolen.
Making The Grade. High school or college students may receive a discount for good grades.
Driver's Ed Pays. Some companies offer lower premiums for young drivers who pass a state-approved driver's education course.
At WinnSom we want you to know about your insurance