Auto premiums seem to be ever changing based on different variables. The insurance companies look at several things to determine an auto premium: credit, claim history, driving record, date of birth, garaging location of the car and the car itself. We have several carriers that offer competitive auto rates to fit each customer’s needs. We are able to provide coverage for everything, from issuing policies that require an SR-22 to getting breaks on auto premium if a child is away at school.
There are many ways to save money on auto policies, including a good student discount, a claim free history and no hits on the MVR. But, a lot of small claims actually increase the rates more than one large claim. Insurance companies determine rates based on frequency and not severity.
The biggest way to save on your auto polices is to package it together with your home. Some of our companies offer their clients as much as a 20% savings.