Insurance Savings
Get better coverage for less
Shop Car Insurance Every 2-3 Years — Loyalty Doesn't Pay
Switching car insurance saves $200-500/year on average — loyalty is penalized, not rewarded.
Raise Your Deductible to Lower Your Premium
Going from $500 to $1,000 deductible saves 15-25% on your premium — $200-400/year.
Bundle Auto + Home/Renters for 10-25% Off
Same company for auto + home/renters = 10-25% discount on both policies.
Take a Defensive Driving Course for 5-15% Discount
A 4-6 hour online course earns a 5-15% insurance discount for 3 years — saves $100-300.
Review Your Coverage After Major Life Changes
Marriage, baby, new home, or new car = time to update insurance. You might be over- or under-insured.
Get Renters Insurance — It's $15/Month and Protects Everything
$15-25/month covers $30,000+ in belongings, liability, and temporary housing if disaster strikes.
Don't Insure What You Can Afford to Replace
Extended warranties on $200 electronics and phone insurance are bets you'll almost always lose.
Ask About Every Possible Discount
Most people miss 3-5 insurance discounts they qualify for — ask for the full list.
Use an Independent Agent to Compare Multiple Companies
Independent agents shop 10+ companies for you in one call — free service that finds the lowest rate.
Increase Life Insurance When You Have Dependents
Term life insurance costs $20-40/month for $500K coverage — essential if anyone depends on your income.
Review Your Health Insurance During Open Enrollment
Switching plans during open enrollment can save $100-400/month if your needs have changed.
Umbrella Insurance: $1M Protection for $200/Year
$1 million in extra liability coverage costs only $150-300/year — protects everything you own.
Low-Mileage Discounts for Remote Workers
If you drive under 7,500 miles/year, you qualify for 5-15% lower car insurance rates.
Avoid Filing Small Claims — It Raises Your Rates
Filing a $500 claim can raise your premium $200-400/year for 3-5 years. Pay small damages yourself.