All drivers are different and have different insurance needs. So why would you get a cookie cutter insurance policy? Based on your driving habits, you can be entitled to a wide variety of discounts on your auto policy. Here are a few ways that you can save.
If you have had the same insurance company for a long time, it might be a good idea to shop around. Different companies can offer incentives and discounts that more suit your needs. Do you have multiple cars? Do you need home insurance, or any other kind of insurance that you can bundle together? Does your employer, professional, business, or alumni groups offer discounts? Bundling multiple policies is a great way to save.
If you are looking to buy a new car, check insurance rates before you buy. That flashy new sports car might look great, but the insurance could be as much as the payments. A more reliable car with a lot of safety features could save you big time. If you have an older car, insurance may not be cost effective depending on the value of that car.
Ask for higher deductibles. Doubling your deductible could lower your costs of insurance by 15-30%. Just make sure you are able to cover the costs in the event of an accident. If your commute to work is short, low mileage discounts could save you a lot. The less you drive the less you can pay for coverage. Finally, keep good credit. The higher your credit score, the lower your coverage can cost.
There are a lot of things you and your insurance agent can do to reduce the cost of your policy. For more information and to see if Palm Desert Insurance can help you save big on your insurance, call us today! 888-880-8872