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Auto Insurance


Next to your home, your car is often the most expensive piece of property you own.
As a result, it is important to seek the best value when buying your auto insurance.

 

To ensure that you have the proper protection, unlike those other cheap insurance quotes you see online, there are a number of ways that you can reduce the cost of your car insurance premiums without sacrificing the coverage that you need, including:

Deductibles

Choosing higher deductibles for collision and comprehensive car insurance coverage is an easy and cost-effective way to lower your auto insurance bill. In many cases, the premium savings realized by switching to a higher deductible may be enough to offset the cost difference of an increased deductible in just a few years.

Discounts
  • Multi-policy- By insuring your auto and home with us, you will receive a discount on your auto insurance premium as well as your homeowners insurance premium.
  • Multi-car- If you insure two or more cars with us and they are owned and used by the individual and/or relatives living in the same house, you receive a discount.

 

Driver-related Discounts

Good drivers who have no accidents or violations receive the most competitive rates, but there are other factors that can reduce your auto insurance premiums even further, including:

 

  • Driver training- If you have a young driver (under age 21) insured who has completed an accredited driver-training course, you will receive a premium discount.
  • College student- Young, unmarried, full-time college students who spend most of the college term away from home without the use of an auto are eligible for a discount
  • Age 55 & older- Cars driven primarily by an insured who is 55 and over receive a discount on the bodily injury, property damage, medical payments, personal injury protection, comprehensive and collision premiums.
  • Accident prevention course (IL, NY, PA, TN & VA only)- If the principle operator is age 55, you may receive an additional discount in these states if you voluntarily and successfully complete an approved motor vehicle accident prevention course.
Vehicle-related Discounts

You can save even more money on your auto insurance by choosing a vehicle with the following safety equipment:

 

  • Passive restraints- If your vehicle is equipped with factory-installed automatic seat belts or air bags, you will receive a discount on the medical payments or personal injury protection portion of your auto insurance premium. 
  • Anti-theft devices- You may receive a discount on the comprehensive portion of your auto insurance premium if your vehicle has active or passive anti-theft devices.
  • Anti-lock brakes- Vehicles with factory-installed anti-lock brake systems on all four wheels are eligible for this discount that applies to the bodily injury and property damage coverage.
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