Higher Deductibles:

     Your deductible is the amount you have to pay out of your own pocket when you have an insurance claim.  The higher deductible, the lower your insurance premium. This decision should be based on how much you want to save, compared to how much of your insurance claim you are willing to pay yourself.

Remove Glass Coverage:

     Glass coverage falls under the comprehensive coverage on your auto insurance policy.  There is an option to remove glass coverage from your policy and this can significantly reduce your comprehensive premiums. One thing to keep in mind is with some Insurers, if you take glass coverage off, this also removes coverage to your heahlights, mirrors, side windows and rear window. If you are interested in deleting glass coverage from your policy, we suggest that you contact a glass repair company and ask what the cost is if you pay to replace your windshield by paying for it yourself. You can then weigh the savings in your premium against the cost of paying for the windshield yourself.

Have Home and Auto with the same company:

     Most insurance companies will offer you a discount off either or both your home and your auto if you place both policies with them. This can result in marked savings. With the companies we deal with, you can save up to 15% off your home and 10% off your auto premiums.

     If you are interested in discussing how to lower your insurance premiums, please do not hesitate to contact any of our staff to see how we can help you.