A Few Things You Can Do To Save Money On Your Insurance:
Bundle your policies. By insuring your automobiles, home, life… with the same company, you will save money. Our customers that insure both their home and auto with Allied receive a whole host of extras, including a $10,000 accidental death benefit, a single deductible if both your home and autos are affected by the same event, emergency lockout coverage and air bag replacement for one that deploys accidentally.
Progressive auto insurance customers can save up to 30% by participating in their Snapshot program. You plug a small monitoring device into your vehicle’s diagnostic port. It’s not a tracking device, it monitors hard breaking, time of use and mileage. You can monitor your progress online. At the end of 6 months you return the device to Progressive and retain the discount.
Raising the comprehensive and collision deductibles on your auto insurance policy will save you money. The higher your deductibles, the lower your premium.
Raise your homeowners insurance deductible to at least $1,000. The higher your deductible , the lower the cost.
Adding a central alarm system will reduce your homeowners premium.
If you have students in your household with a ‘B’ grade average or better, make sure you are receiving a Good Student Discount. Also, students going to school over 100 miles away without a vehicle receive a discounted rate.
If you are 55 or older you can save 10% on your auto insurance by taking a state approved defensive driving course. This course can be taken at a local classroom or online at websites like aarp.org.
Do you have roadside assistance and/or rental reimbursement coverage? If you have no need of these coverages, request them to be removed to lower your premium. If you do want these coverages, it’s a good idea to check your policy or ask your agent if you have them.
Consider removing comprehensive and collision coverage from older vehicles.
If you are 65 and retired, ask to have the PIP work loss benefits excluded from your auto insurance policy. For drivers 60-64 years old to be eligible for PIP Work Loss Exclusion you must be retired and receiving a pension.
Consider purchasing a Nationwide Term Life Insurance Policy through our agency. Nationwide life is rated A+ by A.M. Best and has very competitive rates. If your auto insurance is also with Allied/Nationwide you will receive a 5% discount off your auto insurance premiums. Get a quick life quote today.
Check your credit. If you have negative items on your credit report, this can adversely affect your insurance premiums.