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About Us Topics:The President's Message |
1. Ask about discounts
Your agent can tell you which discounts are available. For automobile insurance, ask about discounts for loss-free claims records, multi-car, homeowners, good student, drivers' training, and senior (over 60) driving school.
2. Raise your deductible
The deductible is the amount you agree to pay in the event of a loss. The higher the deductible, the lower the premium.
3. Drive safely
Your driving record makes a difference. Tickets and accidents raise premiums.
4. How far do you drive?
If your driving habits have changed since you bought your policy, let your agent know. Less driving may lower your rates.
5. Pay your premium quarterly, semi-annually, or annually
If you can manage larger payments one, two, or four times a year, you'll save money on your annual insurance expenditures.
6. Choose your car model based on insurance premiums
Larger cars are generally safer and often eligible for discounts. Some models are stolen more frequently. Sports cars are fun to drive, but premiums are higher. Your agent can compare rates for you before you buy a car.
7. Students, keep your grades up
Although drivers under 25 have nearly twice as many accidents as older adults, students with high grades are often eligible for discounts. A student who completes a driver's training course can also earn lower rates.
8. Report fraud
Today's experts estimate that insurance premiums are 10% - 20% higher due to fraud. Fraud not only costs money, it also endangers innocent individuals and their property.
9. The right coverage can save you money at claim time
There is nothing that costs more money than having inadequate coverage at claims time.
