How Can I Reduce My Car Insurance Quote?

  1. 21750 POINTS
    Jim Winkler
    CEO/Owner, Winkler Financial Group, Houston, Texas
    That is a great question! But let's be clear - a quote is just an estimate of what your premium will be. It can change based on underwriting, or other factors after the agent has given it to you. That said, some ways to lower your auto insurance costs are to raise the amount of your deductible - a higher deductible generally reflects in lower premiums. You can also try getting your policy through a company where you have other policies - often insurers will give discounts for multiple policies. Best way? Be a safe driver, and make your payments on time. Thank you for asking!
    Answered on May 10, 2014
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  2. 14231 POINTS
    Tom Sheehan
    Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
    Managing your auto insurance costs can be done in various ways.  Remember as my colleague said that a quote is just a proposal.  The premium is based upon your application and underwriting processing.   That having been said, if you carry Comprehensive and Collision coverage, choose the highest deductible you think you could reasonably afford to pay if your car was damaged.  You can also manage costs by adjusting your liability coverage to reflect your financial exposure.  A great way to manage cost without increasing your exposure (as the previous two examples would) is to take advantage of any discounts your company may offer.  Your Insurance Professional is a great resource for this information.
    Answered on May 12, 2014
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