Some ideas for saving money on car insurance

Driving carefully and choosing a safe vehicle are the best ways to keep your insurance premium down over the long run.  Here are some other tips:

Higher deductibles – take as high a deductible as you can reasonably afford to cover.  You will save on your premium, and you will be less tempted to turn in little claims that can count against your driving record.

Defensive driver courses – In New York, you can save 10% on liability and collision premiums by taking an approved accident prevention course.

Multi-car discount – Most companies require you to insure all your vehicles with them, but the reward is a discount of as much as 20% on each vehicle.

Multi-policy discount – You can also save by insuring both your auto and home with the same company (if you are a renter, the savings on your auto policy can offset half or more of the renters policy cost).

Pay-in-full discount – With some companies, paying your premium in full earns you a substantial discount.

First accident forgiveness – Companies have varying plans.  Our main company, Erie Insurance, does not surcharge for your first accident, as long as you have been with them for at least three years.

Next Steps:

Independent agents have access to more companies with a bigger variety of rating and payment plans.  Check us out at, or get in touch with me for more information.

The information in this post is general in nature, and geared toward insurance conditions in Western New York.  As always, you should speak with an insurance adviser to determine your specific insurance needs.

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