Good Driver Discounts: Good driving habits can pay off in various Good Driver programs and discounts. Keeping your driving record free of accidents and tickets will pay dividends.
Loyalty: If you stay with the same insurance carrier for a long time, you could be rewarded with Loyalty or Good Customer discounts. While it may be tempting to “insurance hop” in search of lower premiums, most insurance carriers will reward your long-term loyalty by offering a discount.
Your Car: If you’re also shopping for your first car, it may be tempting to go for the most car you can buy. In some cases, your dream car can be a nightmare to insure though, especially if it is a make and model that’s popular with car thieves. Check with your insurance agents while car shopping. They are familiar with the theft statistics of vehicle makes and models.
At the same time, you could receive an additional discount if you choose to have anti-theft devices such as a LoJack installed in your car, either at the time of purchase or as an after-market feature.
Your Deductible: Your deductible is the amount you will need to pay out of pocket to cover repairs associated with a claim. Once the deductible is met, your insurance coverage will kick in and cover the cost of repairs. The higher the deductible, the lower your premium payments will be. Your insurance agent can help you in reviewing your options.
Your Level of Coverage: your level of coverage also influences your premium. If you opt for bare-bones coverage, your premium will be lower. If you elect to have full coverage, either by choice or as mandated by your state or auto lender, your premium will be higher.
Your Insurance Carrier: Different auto insurance companies will offer different rates. We partner with several reputable insurance carriers, so you’ll have a wide selection of coverage levels and rates.