Want to save a little money? Review the many ways that can help you lower your rates with the following tips and dollar-saving discounts.
Raise your deductibles
One easy way to reduce your premiums is to increase your car insurance deductibles so that you assume more of the risk for small claims. Just make sure that you choose limits you can comfortably afford, because you may need to pay for smaller claims out of your own pocket if an accident occurs.
Buy a low profile car
It’s cheaper to insure autos that are less likely to be stolen or cost less to repair. That means avoiding exotic or super premium brands — even used ones. A higher safety rating may also reduce your car insurance coverage. If you’re in the market for a new car, call your Allied agent to discuss the cost of insuring the model you’re considering.
Reduce insurance on older cars
As your car ages, it may not require as much insurance. You can save money on car insurance by reducing or eliminating collision or comprehensive coverage from your car insurance coverage. But remember: If your older car has sentimental or historical value, you may still want these types of coverage. Call your agent to discuss ways to sensibly reduce your car insurance coverages.
Keep your car maintained and drive defensively
To keep your costs down, keep your vehicle in good working condition by following the manufacturer’s suggested maintenance schedule. Be sure to drive carefully and follow posted traffic signs. Traffic violations and accidents can raise your premiums significantly.
Update your policy
Changing life circumstances may make you eligible for lower rates. Keep your agent informed if you get married or are no longer insuring a young driver.
Ask about discounts
There are many ways of discount you may be eligible to receive that could help you save money on car insurance. Some of these include discounts for:
- Multiple policies
- Being a loyal, long-term policyholder
- Maintaining a good credit rating and excellent payment record
- Safe driving
- Good grades
- Anti-theft devices
Flexible payment options
We know you’re busy. So we offer flexible billing options that work around your schedule. Pay your premium by check, debit or credit card, through the mail or over the phone. You can also have premiums automatically deducted from your bank with our FlexChek program.
Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Allied-affiliated underwriting companies, which are controlling. Such products, coverage, terms, and discounts may vary by state and exclusions may apply.