- 8 Ways To Lower Your Auto Premiums -
Shop & Compare
Prices vary from company to company, so it pays to shop around. Highland Ins. can take care of that for you, by comparing prices from 6 of the nation's top carriers.
Before Buying
Before you buy a new or used car, check into insurance costs. Car insurance premiums are based in part on the car's price, the cost to repair it, and its overall safety record.
Deductibles
Deductibles are what you pay before your insurance policy kicks in. By requesting higher deductibles, you can lower your costs substantially. This can be the most expensive coverage.
Coverages
Consider dropping collision &/or comprehensive coverage . If your car is worth less than 10 times the premium, purchasing the coverage may not be cost effective.
Bundle
Many carriers will give you a discount if you bundle two or more types of insurance. This includes bundling home, renter's, auto, and more.
Credit Score
Establishing a solid credit history can cut your insurance costs. Most insurers use credit information to price auto insurance policies.
Drive Safer
Safe drivers are rewarded with a better insurance premium. Avoid speeding, distracted driving, or other moving violations.
Drive Smarter
Most companies will further reduce your rate every time you go 3 years without an accident/ticket. You may also qualify for better carriers.
