Expert Q&A

Every auto insurer has its own package of special discounts to attract particular types of customers. Most insurance companies provide discounts for at least some of the following: accident-free drivers discount; a package discount for insuring your home and auto with the same company; multiple auto discount; good student discount; nonsmokers discount; and passive restraint discount (for vehicles with air bags or automatic seat belts). You may also consider higher deductibles for your comprehensive and collision coverages.

Anyone will tell you to shop around but few people take that advice to the proper extent. I have a friend/agent through whom I buy my auto and homeowner insurance he checked over 25 companies for me to get me a great deal. And those companies were all “A” rated and higher. That is service! And that is what I recommend you do too. I can refer you to my friend if you want.