How to get cheaper car insurance?

Through all of our years of doing insurance we have been able to develop ways to get cheaper car insurance pricing.

  • Reduce accidents/claims and moving violations

  • Pay ON TIME preferably on autopay or in full for the policy term

  • Where you live matters, and how long you live there

  • Make sure the address on your drivers license and registration is correct

  • Check the insurance prices on the different cars you may be looking at because the type of car MATTERS

  • How long you had prior insurance for. Meaning never having a lapse in coverage and staying with one carrier for at least 1-2 years. More discount offered the longer you stay with the other carrier.

  • Shop insurance rates every 2 years

  • Shop through an independent agent (they have multiple companies)

  • Sometimes bundling helps; renters insurance or even motorcycle.

  • Allowing drivers on your policy'; those who live with you as either drivers or non drivers and those who don’t live with you that actually do drive your car

  • Type of coverage; having higher limits helps you overtime have cheaper/better insurance so be careful what limits of liability you have

  • Types of insurance company; believe it or not if you are coming from a lesser known company it can affect how other carriers view you, so get with the best carrier you can sooner