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How can I lower my automobile insurance rates?

There are several things you can do to lower the cost of your automobile insurance. One way is to look for competitive pricing. An independent agent works with many companies and can provide you with comparative rates and ensure that you are getting the same coverage.


A second way to lower the cost is to change your deductible. By raising your deductible, you may lower the cost of you automobile insurance by almost 10%. You must be able to pay the deductible amount in case of a claim.


You could also look for discounts that you may be entitled to. Some examples of discounts that may be available include: having multiple cars under the same policy, carrying a homeowner policy with the same insurance company, different groups or associations.

What is comprehensive physical damage coverage?

Comprehensive provides coverage for direct physical damage losses you could incur to your car from something such as a hailstorm.

What is collision physical damage coverage?

Collision is the loss you incur when your automobile collides with another vehicle or object, such as a telephone pole.

Does my insurance policy cover a friend if I loan him/her my car?

When you loan your car to a friend or an associate, he or she will be covered under your automobile insurance policy.

There are several things you should consider when purchasing automobile insurance that your independent agent will help you with. Here are a few:


  • Purchase the amount of liability coverage that makes sense for you.
  • Select the optional coverages that you would like.
  • Decide which company to purchase insurance from.
  • Don't base your decision solely on price. Other factors such as service and claim responses are extremely important when selecting the right insurance.

auto frequently asked questions

When purchasing automobile insurance, what should I consider?