Share:

As a responsible driver, you know that having a quality auto policy is always a priority. However, if you’re like most drivers, saving money and reducing your monthly premium payments is something you strive for. While reducing your coverage options will lower costs, it puts you and your vehicle at risk for expensive out-of-pocket repairs. Here are a few simple ways to save on your insurance without reducing the quality of your coverage.

How to Save on Car Insurance

1. Ask for Discounts

InsuranceBelieve it or not, most insurance providers offer discounts on coverage. However, they rarely advertise them. When reviewing your existing policy or getting quotes for a new one, ask your insurance agency if there are any discounts you might qualify for. For example, drivers who only commute a few miles to work and home each day may receive a discount for low mileage. Families with students who have high GPAs may be eligible for a good-student discount.

2. Increase Your Deductible

The lower your deductible is, the less you’ll pay out-of-pocket when filing a claim. However, that out-of-pocket savings comes at a price: a high premium payment. Increasing your deductible is a simple way to reduce your premium payments each month without changing the coverage. However, if you decide to raise the deductible, make sure you only raise it to an amount you can afford. You don’t want to make the deductible so high that filing a claim is out of your budget.

3. Shop Around

Shopping for car policy quotes is always a good idea, even if you’re planning on staying with your current provider. This will give you an idea of what rates other companies offer, giving you the opportunity to haggle with the insurance agent. Many agents will work with you to improve your current rates so you’ll stay with them for many years to come.

 

If you’re shopping for car insurance, contact the team at Accredited Insurance Group in Omaha, NE. Their experienced agents will work to help you find the coverage you need at a price you can afford. Whether you’re looking to add drivers to an existing policy or recently purchased a new car, they’ll get to know you and your family to find the best policies possible. Learn more about their coverage areas online and call (402) 334-1780 to schedule an appointment with an agent.

tracking