Save Money on your Insurance Policies!

Tips to Lower Your Insurance Premiums

• Increase your deductibles.
   
• Maintain a good credit score.
   
• Pay in full or enroll in EFT.
   
• Pay your bills early enough to avoid non-pay cancellation notices.

Homeowners Discounts

Multi-Policy:
Discount when you have both your personal auto and homeowners policies with the same company.

Longevity:
Discount for remaining with the same company for more than one year.

Protective Devices:
Discount for having one or more of the following:  smoke detector, fire extinguisher, deadbolt lock, central fire alarm, central burglar alarm, sprinkler system.

Non-Smoker:
Discount if no one living in the household smokes.

New Home:
Discount if your home is 30 years old or newer.

Home Buyer:
Discount if you purchased your home within the last year.

Renovator Program:
Discount on homes over 30 years old that have been renovated within the past 10 years to include heating, plumbing, wiring, and the roof.

Suburban Rating:
Discount for qualifying rural homes.

Mature/Retired Homeowner:
Discount for homeowners over 50 who are retired and live in the home at least 10 months of the year.

Gated Community Discount:
If you live in a community with gate-controlled access.

Green Credit:
Discount for having a high efficiency furnace.

Water Alarm Credit:
Discount for having an alarm that will alert you to a water leak.

Flexible Stainless Steel Hoses:
Discount for installing flexible stainless steel hoses on all of your appliances (washing machine, dish washer, etc.).

No Other Structure On the Premises:
You are entitled to additional coverage for your dwelling at no cost.

Volunteer Firefighter:
Discount if you volunteer as a firefighter, have completed a state certified fire fighter training course and you have a working smoke detector in your home.

Discounts are not available in all companies.

Auto Discounts

Multi-Policy:
Discount when you have both your personal auto and homeowners policies with the same company.

Longevity:
Discount for remaining with the same company for more than one year.

Prior Insurance:
Discount for having at least 6 months of prior insurance with little or no lapse in coverage.

Homeownership:
Discount for owning and insuring your home, even if it is not insured with the same company as your personal auto.

Anti-Theft Devices:
Discount for having an Alarm, Vehicle Recovery System, Vehicle Identification Number window etching, or if your vehicle is equipped with a Passive Disabling Device.

Multi-Car:
Discount for having more than one vehicle on your personal auto policy.

Safe-Driver:
Discount for careful drivers who are accident and conviction free.

Accident Forgiveness:
You won't receive a surcharge on your first chargeable accident once you meet the qualifications.

Paid In Full:
Discount if you pay the entire price of your policy at one time.

New Car:
Discounted rate for a new car added to your policy.

Company Car:
Discount on your personal auto policy if you have personal use of a company car.

Passive Restraints:
Discount if your vehicle is equipped with factory installed front occupant restraints.

Anti-Lock Braking System:
Discount if your vehicle is equipped with ABS.

Daytime Running Lights:
Discount if your vehicle is equipped with factory installed daytime running lights.

Accident Prevention Course:
Discount for having taken an approved accident prevention course. Click here for information about taking the course online.

Automatic Payments:
Discount if you enroll in EFT through your checking account or with a credit/debit card.

Limited Mileage:
Discount on those vehicles that have limited usage (usually under 7,000 miles per year).

Good Student:
Discount for student drivers who keep their GPA above a set score, for example, a 3.0. Scores vary between companies.

Distant Student:
Discount if you have a child at a college over 100 miles away without a car.

Driver Training:
Discount for those under 21 who have taken an approved driver training course (semester or summer long driver education class).

Paperless:
Discount for using only paperless methods with your policy.

Going Green:
Discount for driving a fuel efficient or low emission vehicle.

Hybrid Vehicle:
Discount for driving a hybrid vehicle.

Electronic Stability Control:
Discount for those cars equipped with electronic stability control.

Early Quote Advantage:
Discount if you call us to quote your insurance 7-14 days in advance.

AARP Membership:

Discounts are not available in all companies.

Motorcycle Discounts

Multi-Policy:
Discount when your motorcycle is insured with the same company as another one of your policies.

Prior Insurance:
Discount for having at least 6 months of prior insurance with little or no lapse in coverage.

Homeownership:
Discount for owning and insuring your home, even if it is not insured with the same company as your motorcycle.

Anti-Theft:
Discount for having an Alarm, Vehicle Recovery System, Vehicle Identification Number window etching, or if your cycle is equipped with a passive Disabling Device.

Multi-Bike:
Discount for having more than one motorcycle on your policy.

Safe Driver:
Discount for careful drivers who are accident and conviction free.

Motorcyle Safety Course:
Discount for having taken an approved accident prevention course.

Experienced Driver:
Discount for having one or more years of cycle experience.

Association:
Discount for belonging to an accepted motorcycle organization.

Discounts are not available in all companies.

Watercraft Discounts

Multi-Policy:
Discount when your watercraft is insured with the same company as another one of your policies.

Prior Insurance:
Discount for having at least 6 months of prior insurance with little or no lapse in coverage.

Homeownership:
Discount for owning and insuring your home, even if it is not insured with the same company as your watercraft.

Multi-Unit Credit:
Discount for having more than one watercraft on your policy.

Safe Driver:
Discount for careful drivers who are accident and conviction free.

Loss Free Renewal:
Discount for each time your policy renews without you having a loss.

New Boat:
Discount if your boat is a current model year.

Coast Guard Certification/Safety Course:
Discount for having taken an approved accident prevention course.

Mature Boater:
Discount for retired boaters age 50 and older.

Operable Equipment on Board:
Discount for having one or more of the following:  VHF Ship-to-Shore, Marine Compass, Depth Finder, Vapor-Detection System.

Hybrid/Electric Boat:
Discount for driving a hybrid/electric watercraft.

Association:
Discount for belonging to an accepted organization.

Discounts are not available in all companies.

Snowmobile Discounts

Prior Insurance:
Discount for having at least 6 months of prior insurance with little or no lapse in coverage.

Homeownership:
Discount for owning and insuring your home, even if it is not insured with the same company as your snowmobile.

Anti-Theft:
Discount for having an anti-theft device installed on your sled.

Multi-Sled:
Discount for having more than one snowmobile on your policy.

Safety Course:
Discount for having taken an approved accident prevention course.

Discounts are not available in all companies.