Call Us 319-366-6288 ☰ ˟
Logo
  • Our Agency
    • AboutImage of right arrow
      • Business Affiliates
      • Our Staff
      • Our Locations
    • COVID-19 Update
    • Testimonials
    • Our Community
    • Get A Quote
    • Our Providers
  • Products
    • Home & Auto Insurance
    • Auto InsuranceImage of right arrow
      • Liability Coverage
      • Comprehensive Coverage
      • Collision Coverage
      • Uninsured & Underinsured Motorist Coverage
      • Diminishing Deductible
      • Accident Forgiveness
      • Minor Violation Forgiveness
      • Roadside Assistance
      • Specialty Auto Insurance
      • 24-Hour Customer Service
      • Towing
      • Rental Reimbursement
      • Personal Injury Protection (PIP)
      • Medical Payments Coverage
    • Home InsuranceImage of right arrow
      • Property Insurance
      • Homeowners Liability
      • Renters Insurance
      • Condo Insurance
      • Mobile Home Insurance
      • Scheduled Property Insurance
      • Landlords Insurance
      • In-Home Business Insurance
    • Other Personal InsuranceImage of right arrow
      • Identity Theft
      • Personal Umbrella Insurance
      • Data Backup
    • Life InsuranceImage of right arrow
      • Individual Life Insurance
      • Group Life Insurance
      • Long-Term Care Insurance
      • Mortgage Protection Insurance
      • Disability Insurance
      • Second-To-Die Policy
      • Key Person (Key Men) Insurance
    • Health InsuranceImage of right arrow
      • Individual & Family Health Insurance
      • Group Health Insurance
      • Dental Coverage
      • Vision Coverage
      • Long-Term Care Insurance
      • Temporary Health Insurance
      • Supplemental Insurance
      • Disability Insurance
      • Medical Expense Insurance
      • Child Health Insurance
      • Travel Health Insurance
      • Prescription Insurance
      • HSAs
    • Recreational Vehicle InsuranceImage of right arrow
      • Boat Insurance
      • Motorcycle Insurance
      • Motorhome Insurance
      • ATV Insurance
      • Snowmobile Insurance
    • Additional Insurance ServicesImage of right arrow
      • Special Event Insurance
      • Wedding Insurance
    • Coverage for Specific IndustriesImage of right arrow
      • Accounting Firm Insurance
      • Alarm Contractors Insurance
      • Insurance for Arborists
      • Bar Insurance
      • Builders Risk Insurance
      • Car Dealership Insurance
      • Cargo Insurance and Freight Insurance
      • Catering Insurance
      • Cleaning Business Insurance
      • Condo Association Insurance
      • Construction Insurance
      • Consulting Firm Insurance
      • Contractors Insurance
      • Specialty Trade Contractors Insurance
      • Craft Brewery Insurance
      • Dental Practice Insurance
      • Dump Truck Insurance
      • Educational Facility Insurance
      • Financial Institution Insurance
      • Food Truck Insurance
      • Fleet Insurance
      • Garage Insurance
      • Handyman Insurance
      • Hotel Insurance
      • Healthcare Facility Insurance
      • Healthcare Practice Insurance
      • HVAC Contractors Insurance
      • Law Firm Insurance
      • Life Science Insurance
      • Limousine Services Insurance
      • Liquor Liability Insurance
      • Livestock Insurance
      • Maintenance Contractors Insurance
      • Manufacturing Insurance
      • Maritime Employers Insurance
      • Media & Advertising Insurance
      • Non Profit Insurance
      • Nursing Home Insurance
      • Nursing Insurance
      • Orthotics & Prosthetics Insurance
      • Personal Trainer Insurance
      • Pool & Spa Insurance
      • Printers & Publishers Insurance
      • Railroad Contractors Insurance
      • Real Estate Businesses Insurance
      • Restaurant Insurance
      • Retail Insurance
      • School Bus Contractors Insurance
      • Scrap Metal Insurance
      • Security Guards Insurance
      • Self-Storage Insurance
      • Septic Contractors Insurance
      • Snow Plow Insurance
      • Specialized Truck Equipment Insurance
      • Technology Services Insurance
      • Tow Trucks Insurance
      • Water Well Drillers Insurance
      • Veterinary Insurance
    • Coverage for Your BusinessImage of right arrow
      • Bonds
      • Business Catastrophe Insurance
      • Business Owners Policy (BOP)
      • Commercial Auto Insurance
      • Commercial General Liability
      • Commercial Property Insurance
      • Commercial Real Estate Insurance
      • Commercial Umbrella Insurance
      • Crime Insurance
      • Cyber Liability Insurance
      • Employment Practices Liability Insurance (EPLI)
      • Equipment Insurance
      • Errors and Omissions Insurance
      • Fidelity Bonds
      • Leave Management
      • Loss Control Insurance
      • Inland Marine Insurance
      • Marine Insurance
      • Office Insurance
      • Product Liability Insurance
      • Professional Liability
      • Small Business Insurance
      • Small Business Liability Insurance
      • Storage Insurance
      • Surety Bonds
      • Technology Insurance
      • Trailer Insurance
      • Transportation Insurance
      • Trucking Insurance and Semi Truck Insurance
      • Workers Compensation
    • Coverage for Your EmployeesImage of right arrow
      • Group Benefits
      • Group Disability Insurance
      • Voluntary Benefits
      • Retiree Health Coverage
      • Group Health Insurance
      • Disability Insurance
      • Individual Life Insurance
  • Resources
    • Refer a Friend
    • Blog
  • Contact Us
Icon Auto Icon Home
Icon Business
Icon Life
Icon Motorcycle Icon Boat
Home > Blog > Quick Fixes To Save On Auto Insurance
TUESDAY, JUNE 7, 2022

Quick Fixes To Save On Auto Insurance

When you read about all the ways to save money on car insurance, it sounds a lot like major life changes and a lot of time out of your week. Buy a different car. Raise your credit score. Take a six-day advanced driving class. These are long-term projects or goals. But you need to save money right now. young female driver holding keys to car

So, how can you get your car insurance rate down in short order? Here are a few ideas: 

  • Look into your discounts. Chances are, your insurer has at least a few that already apply to you. Or there might be some that you could easily qualify for.
  • Raise your deductible. Your deductible is what you pay someday, if you make a claim. Your premiums are what you pay no matter what. A higher deductible means lower premiums. And the opposite is also true.
  • Make sure you're not buying insurance you don't need. If you still have your gap insurance policy from when you were paying your car off — or if your loan is pretty much settled — you might want to consider dropping it. Likewise, if you haven't driven that old truck in the driveway in months, it might be time to cancel the policy until you're ready to get it fixed.
  • Consider whether you still need collision and comprehensive. These are necessary on a new car. But if you're driving something older — or something that barely paid a month's rent for —you might not need it. The rule of thumb is to get comprehensive and collision if your car is worth at least ten times your premium.
  • Pay per-mile. If you're retired or work from home and you barely drive twenty miles a week, you may want to ask your auto insurance agent about a pay-per-mile policy. Standard policies are written with the assumption that you're in your car pretty much every day and putting hundreds of miles on it each week. If that doesn't exactly describe your driving habits, you might be able to save some money by letting your insurer know.
  • Keep your info up to date. If you recently moved from the city out into a rural area, you recently had a ticket stricken from your record or you recently improved your credit score, let your insurer know. 


One of the best ways to find quick fixes for your rates: Contact your insurance agent. It's in both of your best interests that you lower your risk. 

Posted 11:39 AM

Tags: auto insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021

  • auto insurance(5)
  • commercial property insurance(4)
  • home insurance(4)
  • business insurance(3)
  • general liability insurance(3)

View Mobile Version
Insure your needs today!
Social Social Social
Quick Links
Home
Get A Quote
Customer Service
Payment Options
Report a Claim
About Us
Our Carriers
Partners
Blog
Contact Us
Location 1110 Dina Ct.
Hiawatha, IA 52233

P: 319-366-6288
Powered by Insurance Website Builder