Sometimes the cheapest price is not the best price. Are you getting the coverage you need? Does the policy have limits and exclusions that are acceptable to you? A simple way for an insurance company to have low rates is to fight every claim. Pick a company with a good reputation and not a company whose only advertising is about saving you 15% or saving those who switch some fake dollar amount – you know it is a lie. They know it works.
If you are simply looking for the lowest insurance premium you have a number of options:
- Raise your deductibles.
- Only carry the coverages you must have.
- See if your insurance company offers a renters or home insurance bundle discount. Not always cheaper to bundle auto and home together but it is worth asking.
- Drive Defensively! Many companies have an “Accident Free” discount that you won’t get if you have a not-at-fault accident.
- Don’t be touching your cell phone while driving! Cell phones not only distract you, making you more likely to be involved in a car accident, they also are easy tickets for police officers to write.
- Stop collecting tickets from law enforcement officers like others collect Pokemon.
- Improve your credit score. Yes, your credit history is a reflection of your responsibility.
- Set your insurance policy up on Electronic Funds Transfer. If you are responsible enough to keep your checkbook balanced, most companies give a significant discount for automatic payments.
- Get quotes from a number of companies. Each insurance companies weighs rating factors differently so prices can vary by hundreds of dollars. As an independent agency, Mid-Columbia Insurance automatically shops multiple companies for you.
