“I want to spend more money on my insurance” said no one ever.
Most of my clients (myself included!) look for ways to decrease their insurance spend and I am more than happy to help them.
While everyone’s situation is different, here are a few things that you might be able to do to lower your insurance expenses:
Consider your deductible. The higher your collision and comprehensive deductible, the lower the premium and if you are comfortable paying the deductible out of pocket should you have an incident, it’s a good way to control the expense.
A defensive driving course is an excellent way to help you save 8-10% off your auto insurance and it valid for 3 years. You can take the course online or in-person and the discount can equate to quite a bit of savings over the course of time. Check out the link for the course: https://www.newyorksafetycouncil.com/?lgr=d7a0719c-3f5c-4251-8478-72f7278cb3c0
Bundling your auto and property insurance makes good sense, and the discount can be upwards of 38% on property insurance if bundled with your auto insurance. It’s a savings we suggest to all our customers.
At the very least (and this is the very least!) you must do an annual policy review with your agent to ensure that your coverage is current and matches any new assets or changes as appropriate.
Don’t spend money that you don’t have to spend! Can we assist?