When it comes to insurance, most people think of how they can save money first. We get it, insurance can be expensive! You want good coverage, but at an affordable cost. Being a local insurance agency, we provide many choices since we represent many top insurance carriers. Here are some tips when it comes to saving money on your car insurance.
Shopping for a new car? Consider shopping insurance first.
If you have a few cars in mind when shopping for a new vehicle, consider reaching out to your insurance agent to compare possible insurance cost between the vehicles. The rough estimate of insurance cost every year could sway which car you decide on.
Save when you bundle.
Insurance carriers tend to give great discounts when you bundle your auto insurance with your home/renters/other lines of insurance. Need to insure several vehicles? Multi-policy discounts could earn you some substantial savings. Ask your agent!
Don’t drive much? Seek a low mileage discount.
If you drive less than 10,000 miles a year, ask your agent if you qualify for a discount.
Choose a higher deductible.
If your finances allow you to pay a higher deductible in the event you have a claim, you could save money by making this switch.
Ask your agent about other discounts. Do you qualify for any?
- Paying your insurance coverage in full
- Paperless option
- Safe driver (accident free)
- Electric or hybrid vehicle owner
- Great credit score
- Good student
- Higher education
- Advance quote
Did you experience a higher premium at renewal?
Reach out to your agent and ask to get a re-quoted on your policy. Since we can quote many top-rated insurance carriers, you can likely get same or similar coverage with a new carrier to save money. Life changes, so can your insurance company – but you don’t need to change your agent.
We do like to note that sometimes loyalty to the same company for 3+ years can be beneficial too. Over time, you could earn yourself a discount for every loyalty milestone you hit. Typically these rewards not only include a discount on the cost of your policy, they can sometimes include accident forgiveness!
If you have questions about your auto insurance, reach out to Pacific Ridge Insurance. Our goal is to ensure you have the proper coverage.