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10 Tips On How To Manage Insurance Costs

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Manage your Auto Insurance Costs:

  1. Combine your accounts - make sure to combine your home, auto and business policies with Safety to maximize the discounts available.
  1. Make sure to update your agent on life changes - Have you recently moved? Do you still have drivers on your policy who no longer live with you? Do you drive less than you used to? A proud parent of a good student &/or student away at school? All of these can lower the amount you are paying for auto insurance.
  2. Drive safe and save - Besides being a safe driver for obvious reasons, being a safe driver can also earn you safe driving discounts. In addition, participating in the In Control Crash Prevention Training Course may qualify you for even more discounts.
  3. Models that make a difference - If you are shopping for a new vehicle, consider the type you choose because it can affect your insurance. Keep in mind how new or old the vehicle is, if it a luxury/high performance vehicle vs. family vehicles.
  4. If you are involved in a loss, have no fears - Spend a little now and save a lot later. Add our enhanced endorsements to get coverages like: disappearing collision deductible, accident forgiveness, emergency road travel expenses and extended substitute transportation.

Manage your Homeowner Insurance Costs:

  1. Combine your accounts - make sure to combine your home, auto and business policies with Safety to maximize the discounts available.
  2. Be prepared for the unexpected - What if your home becomes uninhabitable? You may end up being stuck with extra expenses for repairs, replacements or living costs. What if you have valuables such as jewelry, art or other collectibles? Your policy and extra endorsements can help cover these expenses.
  3. Verify you have adequate replacement cost coverage on your home - If you have made any additions or improvements to your property which would increase the value, it is extremely important to contact your agent.
  4. Install safety features to your home - Features like a security &/or fire alarm systems are both items that can reduce your homeowners insurance.
  5. Increase your deductible - By raising your deductible amount, you will lower your premium.

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