Insurance Rates are on the Rise.  Simple Ways to Reduce Your Premiums

Rates are increasing in the insurance industry for a number of reasons such as increased accident costs, increased repair costs,  increased weather related claims, and fraud.   As a result, many insurance carriers have taken rate increases in excess of 10% this year. 

As an independent insurance broker, we want to ensure that you are properly protected while at the same time helping to reduce your insurance costs.

Here are some ways to keep your insurance rates down; 

- While you can’t control the factors that lead insurance companies to raise rates, you CAN control your driving record by continuing to drive safely; keep your driving record clean by avoiding driving traffic violations and keeping your full attention on the road by not talking on your cell phone, eating,  adjusting radio settings, etc.   If you have a claims and conviction free driving record, you will receive better a better insurance rating. Some carriers also offer conviction free discounts.

- Do you have vehicles that you use seasonally?  If so, you may want to remove driving coverage to reduce your insurance costs. 

- Take advantage of multi policy discounts.  If you combine your auto and home insurance policy, most insurers will offer discounts.   

- Children who have left home.  If your children are away at school, ask about the away at school discount.  If your children have left home permanently, you may want to remove them from your policy entirely. 

- Retired? On mat leave? On sabbatical?   Any of these may mean you are using your vehicle less, which may in turn reduce your premiums. 

- When did you last review your coverage with your broker?  Talk to your broker about other ways to save such as alarm system discounts, mortgage free discounts, increasing deductibles, and other cost saving ideas.

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