We can help you save money on your auto and home insurance with the following techniques and discounts.

1. Bundle your insurance policies. It makes a lot of sense to bundle your homeowners, car, and personal umbrella insurance with the same insurer, for a lot of reasons. Most insurance companies offer significant discounts if you buy your home and auto policies from them, and typically the more policies you have, the greater your discount will be. Multi-policy discounts will still apply even if you have some violations on your driving record—giving you an even greater reason to bundle your policies. And of course, having all of your personal insurance policies in one place will make simpler all of your payments, services, and other transactions.
2. Maximize your discounts. Most insurance companies offer many different kinds of discounts for personal insurance customers. We will help you identify and receive any discounts for which you are eligible. These could include safe driver discounts, low-mileage discounts, teen driver discounts, home security discounts, discounts for older homeowners, and more.
3. Shop around. With our help, of course! We can help you get quotes from multiple insurance carriers and ensure that you are comparing similar policies. We can provide quotes that are more comprehensive and that more accurately reflect your situation than quotes you can get online. In addition, we can make sure to bundle your home and auto quotes to be sure you are receiving the best rates possible.
4. Be a better driver. Traffic violations of any kind have a negative impact on the rates you are charged for car insurance. Steering clear of tickets and accidents will help to keep your car insurance rates down, and many insurance companies offer additional discounts for individuals with a clean driving record. If you have violations on your record, you can complete a driver safety course that may help to reduce your rates.
5. Raise your deductible. Raising your auto insurance deductibles can significantly reduce your premiums. The same is true for your homeowner’s insurance deductibles and premiums. Just be sure to have enough cash to cover your deductible if you have to make a claim.
6. Check with us before you buy. Your auto and homeowners insurance rates depend on the value of the vehicle or the home, respectively. Before you purchase a car or a home, check with us to find out what impact it might have on the insurance rates you pay.

Always remember that you can’t effectively compare quotes if they are not for the same coverage levels and deductibles. Other policy elements may not be comparable across quotes from different insurance companies (e.g., replacement cost coverage versus actual cash value for homeowners insurance), so again, it is best to work with an agent who can help you make sure you are getting what you need. We will help you with the entire process, from obtaining quotes, to maximizing discounts and applying for coverage. Contact us today to learn more.