We know that it is very important to have a quality auto insurance company, but it is also very important to get a cheap price on car insurance as well.
So we want to share with you some of the ways you can save money on car insurance:
Get the multi-car discount:
Are you married or do you have a loved one you live with? So it almost always makes sense to bundle your auto insurance with one company to take advantage of the multi-car discount, as you can save 15% off each car. This way you would be covered in case you drive other cars as well. Please contact us to find out how much more it would be to add another car and or your wife/partner
Get the multi-policy discount:
Farmers Insurance offers a BIG discount for having multiple policies with them. So if you have auto, home (or renters), and life insurance policies all with separate companies, then you’re not taking advantage of the multi-policy discount. Bundle your insurance and save up to 25% on each policy! You can also get a home, condo, renters insurance or life insurance quote with us to see how much you can save with the multi-policy discount.
Drive a little less:
Obviously, the more you drive, the greater the risk of an accident occurring. (Especially in a city with heavy traffic!) So it’s a good idea to have your insurance agency check your “annual mileage driven.” If it’s higher than what you’re actually driving, you can usually fill out a form to lower your rates. If you don’t drive too much adjusting your “annual mileage driven rates” is a great way to lower your auto insurance rates because you’re not lowering your current coverage.
Relocate to a different zip code:
This is not an easy thing to do, but it is good to keep in mind that where you live makes a big difference! Statistics show that some areas of California are much riskier to drive than other areas. This makes sense because the chances of you having an accident are higher if you live in a high-density area like Los Angeles than if you lived in a rural city with few cars. While you probably won’t decide where you live based on your auto insurance rates, it might not be a bad idea to check how much your rates will change (up or down) if you’re considering relocating to another city.
This is especially the case for men. Again, it’s all based on statistics, but single men are simply worse drivers than married men. Single men (in general) drive faster and more recklessly while married men with children may be more responsible and understand that their family depends on them to get home safely. Don’t get married just to lower your insurance rates! But let us know once you get married so we can lower your rates.
Everyone knows that when you improve your driving record, the better your rates will be. Drive safely for 3 years and Farmers Insurance will qualify you for the good driver discount. Don’t drink and drive, and don’t text while driving either! And if there is an accident…don’t hurt other people! If you injure someone in an accident, your rates will go up significantly compared to a property damage-only accident.
Increase your deductible or reduce your coverage:
Although this is not recommended, sometimes we have to make changes to bring your insurance payments in line with your cost. By raising your deductible or lowering your liability coverage, your rates would go down. The less coverage you have, the lower your rates will be. The best thing about us is that you can always change your coverage up to the limits you feel most comfortable with later. Plus, we’ll never charge you to make changes to your policy!
Compare other insurance companies:
But where else can you find better customer service than us, offering a cheap, quality insurance company like Farmers with no brokerage fees? We pride ourselves on being available and serving your insurance needs by answering questions promptly. In addition, we offer Farmers Insurance which has always been known for having the best claims service. Although we cannot guarantee that our rates are the lowest, we can guarantee that our rates are always fair. Don’t switch to a company you’ve never heard of because that may cost you more in the end! If you do not have insurance with our agency contact us today!