How to save money on auto insurance

You may not need all of the auto coverage you’re paying for.

Since cars depreciate over the years, you may want to discuss without agency whether comprehensive and/or collision coverage is worthwhile for an older car.  Increasing deductibles under auto collision and comprehensive coverage also can save you money by lowering premiums. Higher deductibles mean greater out-of-pocket expense if you have an accident; however, most drivers can save over the long run while still being protected from large losses by raising their deductibles.

High-priced, high-performance and sport scars are generally more expensive to insure because replacement parts and repair labor cost more. Some companies will not accept an application for “hot” cars or cars with bad safety experience, which means you, could be placed in a more expensive program to obtain coverage. Expensive cars are also more attractive to thieves. Additionally, insurance can be more expensive for smaller cars that are more easily damaged. Call us before you purchase your next vehicle. We can tell you how your insurance costs will vary based on the vehicle you choose.