Auto Insurance Checklist


With all the ads on TV for insurance, it's easy to believe that all companies and all policies are created equal, but they are NOT!
Protecting your family and your assets is the MOST IMPORTANT part of your insurance policy. 

Before you trust a cut rate company to protect your family, please take 4.5 minutes to watch this short video. 


What you pay for your car insurance may vary greatly, depending on many factors including:

  • your driving record
  • your age
  • your driving experience
  • speeding tickets
  • previous accidents/ claims
  • the make and model of your car
  • the insurance company from which you buy your policy

Here is a list of tips to consider when researching auto insurance that can help you save money on your car insurance costs.

Before you buy a car, compare insurance costs

Don't be surprised. Know what a car costs to insure before you buy it. In part, insurance premiums are based on:

  • the car's sticker price
  • the cost to repair it
  • its overall safety record
  • the likelihood of theft.
  • how much damage your new car will do to other cars on the road in an accident
  • how safe are the passengers from bodily injury in an accident.

Many insurers offer discounts for features that reduce the risk of injuries or theft, such as air bags, anti-lock brakes, daytime running lights and anti-theft devices. For more information on car safety, check the Insurance Institute for Highway Safety.

Needless to say, cars that are favorite targets for thieves cost more to insure. For information on car theft, check the National Insurance Crime Bureau (NICB) 

Request a higher deductible
The deductible is the amount you pay out-of-pocket before your insurance policy kicks in. Increasing your deductible from $250 to $500 can reduce your collision and comprehensive premium by as much as 15 to 30%, depending on your plan. We have a wide range of deductibles to choose from including our new $600 and $750 deductibles. Typicaly, the greater your deductible the more you save on premium, but generally, I find that the $600 deductible offers the best value for most families.  However, if something happens to your car you will need to have access to money to pay the amount of the deductible.

Re-evaluate coverage for older cars
If you have an older car, think about dropping the collision and/or comprehensive coverage. It may not be cost-effective to insure cars worth less than 10 times the amount you would pay for the coverage. Ask an auto dealer or bank about the value of your car or look it up online at Kelley Blue Book.

Consider buying your homeowners and car insurance from the same company
Many insurers give discounts if you buy two or more types of insurance policies from them, such as auto and home. We have a 15% discount on our auto policy if we bundle it with your home!  Also, you may receive a discount if you have more than one vehicle insured with the same company.  It’s also worth asking if the insurance company is offering new policy programs.

Ask for a low-mileage discount
If you drive less than the average number of miles per year, ask if your insurance company will offer you a discount. Low mileage discounts can also apply to drivers who carpool to work. If your insurance company doesn’t offer this discount it might be worthwhile to shop around.

Maintain a good credit rating
Your credit rating can affect your insurance premium, so monitor it carefully. You can check your credit rating with the three major credit-rating agencies EquifaxExperian, Trans Union.  If you believe that your credit has recently improved, ask us to re-check your score to be sure you are being rated accurately.

Ask for a safe driver discounts
Many insurance companies offer discounts to policyholders who have not had any accidents or moving violations for several years. You may also qualify for a rate cut if

  • you have recently taken a defensive driving course, or
  • if you are more than 55 and retired.

The addition of a young driver to the policy may increases the premium, but may be eligible for a discount if he or she is a good student, has taken a driver’s education course or is away at a college that is at least 100 miles away from home.

Most importantly, work with a knowledgeable agent to make sure you get the right coverage at the right price.