Step1
Talk to your agent about multi-policy discounts. Most companies want to write your home and auto coverage and will provide significant discounts for packaging them together.
Step2
Tickets and accidents can severely increase your insurance premium … remember to be a safe and courteous driver.
Step3
Be aware of WHAT you are driving …. sporty and classic vehicles as well as large trucks can be higher to insure. Contact you agent for a quote before purchasing a new vehicle.
Step4
Raise your deductible and drop any unnecessary coverages. (As a general rule, any car worth less than $1,000 should not carry comprehensive and collision coverage.)
Step5
Check your credit. Many insurance companies are now using an insurance score to evaluate your premium. Your credit score can have a huge impact on your insurance score.
Step6
And finally, shop with an independent agent. They will have access to more carriers and can quote you many companies at the same time