HELPFUL TIPS
We will be updating this list periodically with more helpful tips to help you get the most out of the insurance buying process.
BUNDLE TO SAVE
Most companies will offer you a 10-20% discount for bundling your auto and home insurance policies together. Having everything under one company also makes it easier to keep track of.
SHOP IN ADVANCE
No need to wait until the day before your renewal to switch your insurance. In most states, there is no cancellation fee for switching your insurance in the middle of your policy term. Most companies will also offer a discount simply by setting out the effective date of your new policy.
ADDITIONAL DISCOUNTS
Many companies will offer discounts depending on your occupation and highest level of education. Some will even give you a discount if you download an app to your phone to track how well you're driving.
COVERAGE LIMITS
Do you have only the state minimum liability limits? If so, you may want to think about increasing those limits. In most cases, it will not break the bank to go one level up on your coverage limits, however it could save you quite a bit of money should you ever need to use it.
​
LAPSE IN COVERAGE
Always try and maintain continuous insurance. Even a short lapse in coverage could potentially have a negative impact on your rate.
UMBRELLA POLICY
An umbrella policy is an additional liability policy that protects you beyond your existing liability limits for your auto, home, or boat policy. Traditionally, an umbrella policy gives an additional $1M in liability coverage, however higher coverage options are available, and can be as cheap as $30/m.
