How to Save Money on Auto Insurance Premiums

Most of the time, the number one factor auto insurance buyers consider is cost. However, you have to carefully weigh the insurance cost with the level of service you receive from your auto insurance agency. That being said, you can lower your monthly auto insurance premiums in several ways.

Woman working with Jacksonville auto insurance expert

Shop Around

Don’t go with the first agency you select or that ranks the highest on Yelp or Google Reviews. Reviews are important, but get quotes from several auto insurance agencies. Not only to see who offers the best rate for your coverage needs, but provides superior customer service. Sometimes, it’s worth paying a bit more to get excellent service.

Consider Car Insurance Discounts

Many insurers offer discounts for several reasons:

  • Clean driving records
  • Good student discounts
  • Bundling home insurance and other insurance with your auto insurance policy
  • Completing defensive driving courses
  • Safety features such as airbags and anti-theft systems on your car

Increase Your Auto Insurance Deductible

An auto insurance deductible is the amount you pay out of pocket before the insurance kicks in. By increasing your deductible, you can lower your premium. This is a trade-off between your premium amount and your out-of-pocket costs. Just make sure you have enough savings to pay that increased deductible.

Review Your Coverage Annually with an Insurance Expert

As your car ages and your driving habits change, you may not need the same level of coverage. Talk to your insurer about adjusting your coverage to reflect your current needs.

Be a Safe Driver

Following traffic laws and avoiding tickets and accidents can help keep your insurance premiums low.

Maintain Good Credit

In most states, car insurance companies use credit scores as a factor to assess your car insurance premiums. This helps them determine how much risk you pose to the insurance company. Paying bills on time and honoring your commitments means you get lower premiums.

Select an Insurance-Friendly Car

Some vehicles are more expensive to insure than others. Consider these factors before purchasing a car:

  • Safety ratings
  • Repair costs
  • Theft rates

Meet the Mizrahi and Garris Insurance Agency – Jacksonville Auto Insurance Experts

Are you looking for a Jacksonville insurance agency that partners with you to ensure your vehicles have adequate coverage? Then look no further. Connect with us for a free, no-obligation quote. We’ll help you find a protection plan perfectly customized to your needs.

When you select Mizrahi and Garris, you’re not just a client; we consider you family. Give us a call (904) 262-9202 or click “Free Quote” to speak to an insurance expert today.

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