5 Ways to Get a Lower Premium for Your Car Insurance

While car insurance can be costly for some people, it’s still a necessity for anyone who owns a vehicle.  Rather than dealing with high premiums and even higher deductibles, you can take steps to make sure your insurance rates are as low as possible.

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  1. Work with an independent agency that has access to policies and plans from several different insurance providers.
  2. Bundle your insurance plans.  If possible, have several different insurance plans with the same agency, like life, health, homeowners, and auto.  This will give you multi-policy discounts on your premiums.
  3. While some people adopt the mantra, “drive it like you stole it,” when it comes to keeping your car insurance rates low, you want to drive it like you borrowed it from your grandmother’s preacher.  A spotless driving record can help lower your rates substantially.
  4. Make sure your insurance policy is providing coverage that you need, instead of everything that’s available.  Some policies have several add-ons that really aren’t necessary, and they can “add on” to the amount you pay for your insurance.
  5. Own a vehicle that is considered less “risky.”  Some vehicles have a higher risk rating, which equals higher insurance rates, because they are a certain color, are considered a sports car, or are a vehicle type that is frequently stolen.

Don’t pay more than you have to for your car insurance premiums.  Speak with one of our professional agents at Schumacher Insurance Group today and learn how an independent insurance agency can get you the coverage you need at a rate that won’t drain your bank account.

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About Schumacher Insurance Agency

Why trust us? What do we do different than every other insurance agency? Consider this an invitation to get to know us. We believe we are an exceptional team of protection specialists that work hard to do things the right way, to educate our clients on insurance, and make the experience effortless. We are excited to introduce a new insurance experience for our customers. We encourage you to speak with our team who can show you how different we are… from text messaging services for late payments to educational insurance concepts on Facebook. We will prove our innovative approaches to obtain the proper coverage’s for you, your family, your business. Insurance is likely not the most interesting affair for everyone, but it is most certainly ours! Yes, we are insurance geeks!

Posted on January 6, 2014, in Agency, Uncategorized and tagged , , . Bookmark the permalink. Leave a comment.

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