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How to Lower Your Auto Insurance Bill

It’s easy to lower your insurance costs — especially if you have a great driving record, or don’t mind having higher deductibles.

Who doesn’t want to pay less for car insurance? Billions of dollars are spent on ad campaigns to convince you to “switch and save” — but the truth is, many people can find savings no matter who their insurance company is. According to the Insurance Information Institute and other experts, here’s how you can, too:

  1. Drive safely. Accidents, speeding violations, and other incidents on the road can put your safety at risk, of course. But they also can hit your wallet pretty hard, because some can cause your insurance premiums to skyrocket. On the flip side, many companies will give you a discount if you don’t have an accident or moving violation over a set amount winter driving tips; home insurance companies, home insurance, homeowners insurance, insurance for bad credit, insurance quotes, no credit check car insurance, progressive auto insurance, progressive car insurance, renters insurance, watercraft insurance, small business insurance, self-employed health insurance, business liability insurance, commercial general liability insurance, contractor insurance, general liability insurance costof time — so not only will you not pay more than you should, you could pay less than you would otherwise.
  2. Make sure your coverage fits your life (and your car). If you can afford higher deductibles — that is, the amount you have to pay before your insurance kicks in — you can save significantly on your premiums. The Insurance Information Institute says raising your deductible from $200 to $500 could drop your overall cost by as much as 30%. You’ll also want to consider dropping collision or comprehensive coverage if your car is old and worth far less than it once was.
  3. Pay your bills on time. And not just the ones from your insurance company, either. Most carriers use credit information when they’re determining how much your coverage will cost, so it pays to have a good credit history. Other things that can impact your standing include your outstanding balances and how much available credit you have.
  4. Ask about discounts. There are all kinds of discounts available for drivers — including some you might not have realized. Do you own your home? You might save on your car insurance. Do you purchase your homeowners and auto policies from the same company? You’re probably already getting a discount woman holding shopping bags; auto insurance broker Elk River, auto insurance quotes Elk River, bad credit auto insurance Elk River, bad credit car insurance companies Elk River, bad credit car insurance monthly payment Elk River, best car insurance for bad credit Elk River, boat insurance companies Elk River, snowmobile insurance Elk River, ATV insurance Elk River, boat insurance cost Elk River, RV insurance Elk River, cabin insurance Elk River, boat insurance quote Elk River, car insurance brokers Elk River, car insurance companies Elk River, car insurance Elk River, car insurance quotes Elk Riverfor that. If you don’t drive much, you could be eligible for a low-mileage discount. The list goes on and on (literally), so make sure your agent helps you get the savings you deserve!
  5. Work with an insurance broker vs a “direct writer.”  The Elk Agency is an insurance broker.  We shop and find you the best coverage and lowest premium with insurance companies from around the country.  A direct writer only offers coverage and premium pricing options for insurance plans they sell.  Even if another insurance company/plan offers a better deal, direct writers don’t shop around for you.

 

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For more information on auto insurance and affordable: travel, home, health and business insurance quotes, don’t hesitate to contact us today at 763-241-0656 or visit us online at www.elkagency.com  The Elk Agency is an insurance broker vs. a "direct writer," which means we have more options for you.

 

*Re-posted by: https://www.safeco.com/blog/lower-your-auto-insurance-bill