Agent, Rural Mutual Insurance Co., Union Grove, WI
There are a few different ways that you can lower your auto insurance rates. Possibility number one is lowering your coverage levels ( not recommended as this can leave you exposed to greater liability ). Possibility number two if you haven't already done so combine your homeowners and auto coverage under one company ( most offer multi-policy discounts ). Possibility number three is shopping around every company has it own levels of risk tolorence ( if your confortable with your agent and the company that you are with already - it may be worth the extra cost for the peace of mind ).
Agent/Agency Owner, Encore Insurance Group of Omaha, Omaha, NE
There are short term ways or quick ways to lower your rates such as packaging a home or renters insurance policy with your auto insurance if your company has both.
Rates these days are really driven by the company base rates and you individually. Some of the factors that will effect your rates is credit, your driving history, the length of time you have been insured, zip codes, age, marital status and your claim history. Many companies have rates in "a black box" so other factors at times are hard for agents to explain.
If you have not done so I recommend contacting an independent agent so they can shop for you different companies and find which one fits best for you on both coverage and price. Good Luck
Agent, Rural Mutual Insurance Co., Union Grove, WI
If you want to lower your insurance premium you could raise your deductibles for your comprehensive and collision coverages on your auto policy. Another way would be if you do not have your home owners and auto insurance coverage with the same carrier, you may be able to receive a discount on both policies if you swich both policies to the same carrier.
Agent, Rural Mutual Insurance Co., Union Grove, WI
If you want to lower your auto insurance rates there are a few different things that you can do to achieve this. The first would be to raise your deductilbles if you have collision and other than collision (comprehensive) coverage on your vehicle. You could possibly lower your liability coverage amounts this could also lower your rates. Another way would be to have multiple policies with the same carrier.
Agent, Rural Mutual Insurance Co., Union Grove, WI
If you are looking to lower your auto insurance rates, the first thing that I would suggest if you have a homeowners or renters policy and it is not with the same carrier as your auto insurance then you may want to purchase that coverage from your auto insurance carrier to be able to possibly get an additional discount for having multiple policies with the same carrier. You could also look into lowering your coverage amounts or raising your deductibles.
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Rates these days are really driven by the company base rates and you individually. Some of the factors that will effect your rates is credit, your driving history, the length of time you have been insured, zip codes, age, marital status and your claim history. Many companies have rates in "a black box" so other factors at times are hard for agents to explain.
If you have not done so I recommend contacting an independent agent so they can shop for you different companies and find which one fits best for you on both coverage and price. Good Luck