What is the best way to save money without sacrificing coverage on my auto insurance?

Saving money on auto insurance without sacrificing coverage is all about optimizing your policy — keeping the protections you need while eliminating waste. Here’s a step-by-step strategy to do just that:

1 – Review and Adjust Coverage

• Keep full coverage (liability, collision, and comprehensive) if your car is newer or financed.

• Drop collision/comprehensive if your car is older (e.g., worth <$3,000), unless you can’t afford to replace it.

• Adjust deductibles: Increasing your deductible (e.g., from $500 to $1,000) can lower your premium significantly — just make sure you can afford the deductible if you file a claim.

2 – Maximize Discounts

Ask about these common discounts:

• Bundling: Combine auto with home, renters, or life insurance.

• Safe driver: Clean driving record = lower rates.

• Good student: Often applies to drivers under 25 with good grades.

• Low mileage: If you drive <7,500 miles/year, you may qualify.

• Telematics programs: Allow the insurer to monitor your driving via an app or device. Safe drivers save.

• Membership/affiliations: Alumni groups, professional organizations, credit unions, and military service can offer discounts.

3 – Avoid Unnecessary Add-Ons

Skip things like:

• Roadside assistance (you may already have it via AAA or your credit card).  Sometimes it is better to self insure your towing as most insurance carriers have a cap of $100 maximum for towing and any towing claim could affect your premiums for having a towing claim.

• Rental car reimbursement if you have access to a backup vehicle

4 – Pay Smart

• Pay in full annually or semi-annually instead of monthly (saves on fees).

• Auto-pay and paperless billing often come with small discounts.

5 – Reevaluate Annually

• Check in with your insurance agent and review any changes you might have had in the past year. Such as a reduction in the miles driver, a child qualifying for a good student discount, or you’ve added a vehicle alarm to your car to name a few.

If you ever have any questions or concerns in regards to your auto insurance do not hesitate to call us at (425)212-3505