How often do you see those TV commercials that say they can deliver big savings on your auto insurance? If they were all true, insurers would be chasing each other round and round in circles until they went out of business.
The truth is that you might be able to reduce your insurance premiums by taking on more risk. Or you can shop around, which is what we do for you as a Trusted Choice Independent Insurance Agency.
Insurance companies have different rate structures, charging more for this and less for that. Some offer discounts for certain arrangements, while others do not.
10 ways you may be able to reduce your insurance costs:
- Have multiple policies with the same insurer
- Install a security device in your car or home
- Have a safe driving or claim-free home insurance record
- Agree to pay a higher deductible (the amount your pay before the insurance kicks in)
- Updating your insurance policy so certain risks are no longer covered
- Accept a lower maximum payout
- Be a low-mileage driver (less than 8,000 miles per year)
- Drive a certain car model (yes, some models are at greater risk of being stolen)
- Pay your premiums as an annual lump sum rather than monthly
- Do an annual review with your insurance agent
Insurance companies frequently change their rates and their terms, and the only way to keep on top of the above checklist is to continuously monitor the marketplace, and we do that for you.
If we spot an obvious opportunity or deal that will favor you, we will let you know. This is no substitute for sitting down with us for a few minutes so we can run through your needs and options.
Please don’t be hooked by the TV ads, that oversimplify insurance. If you want to know whether you can reduce your insurance costs, pick up the phone and give us a call at 847-907-4520.
Call R.C. Keller & Company Today!
R.C. Keller & Company is a full service Independent Insurance Agency. We have been dedicated to protecting clients since 1910. We offer Personal Insurance, Business Insurance and Life Insurance products, and would love to discuss your options as your life changes.