How to Save Money on Car Insurance

How to Save Money on Car Insurance

While price this is not what drives how we operate our office, we know this is a huge factor when you consider what insurance to buy. Remember as you are looking at saving money that you are also looking at not cutting coverage, which is the driving force here at Harmon-McClintic Insurance.
Here are some thoughts on ways to cut your auto insurance costs:
• Let us show you multiple companies. Each company has its own pricing system. The best way to find good rates is to compare car insurance quotes among several companies. The best car insurance companies have good customer service at a good price. As an independent insurance agency we can do that for you in just one stop.
• Lower your deductible. You can save money by choosing a higher deductible. If you are a safe driver who avoids accidents, it’s not a bad idea to bet on yourself. Just be sure you can afford to pay your deductible amount out-of-pocket if you need to file a car insurance claim.
• Take a defensive driving course. A state-approved defensive driving course can benefit you in two ways. First, in some states it can help reduce any points you may have accumulated on your driving record for traffic citations, which can land you cheaper rates. Second, many insurance companies offer discounts to drivers who have completed a driving course, especially drivers age 55 and older.
• Ask for discounts. You might be eligible for car insurance discounts such as safe driver discounts, good student discounts, pay-in-full discounts, car safety feature discounts and multi-policy discounts. Ask your auto insurance agent for a review of potential discounts. Not only that keep us updated on changes that affect you and your policy.  We do not know when you get rid of a car or a child is removed from your policy which can save you $$$$.

Bottom line, reach out to us. Ask us questions. Insurance is not cut and dry there are many factors that come into play!