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 Our team of agents work very hard to make sure your premiums are as competitive as possible. There are many ways in which we help our clients keep insurance costs down. We also believe that it is equally important to have the right kind of coverage that meets your needs at a competitive price.
Are you paying too much for your personal insurance? If you believe you are paying too much for your current insurance coverage, then the following suggestions may help you save money:
Auto Insurance Savings Tips
Ask about discounts
Most insurance companies offer discounts. While the availability of discounts will vary depending on your insurer, where you live, and whether you meet eligibility, make sure to ask if there are any discounts you can take advantage of.
Drive safely
OK, this one is obvious but true. Drivers with no accidents, tickets, or insurance claims, almost always pay less for their auto insurance coverage.
Good grades
Most insurance companies offer discounts to student drivers who have good grades.
Remove or reduce coverage on older vehicles.
If your car is getting up there in age, you may want to think about dropping the collision or comprehensive coverage (or both) on your policy.
Bundle your services with one agent
Bundling your home and auto with the same agent often provides efficiencies in time and money.
Home Insurance Savings Tips
Raise your deductible
A deductible is the amount of money that you are responsible for paying toward an insured loss. The higher your deductible, the more money you can save on your premium.
Make your home more secure
Invest in a home security system. Having a smoke detector, burglar alarm or deadbolt locks on your home can earn you a 5% discount, depending on your insurer.
Bundle your insurance
Bundling auto and home insurance with the same company typically saves you 5% to 15% on your homeowners premium, according to data from the Insurance Information Institute. Again depending on your insurer.
Make improvements to your home
Updating your roof, furnace, water heater, or windows can help reduce your insurance cost. If you're a homeowner, your premiums could be quietly costing you more money than they should. The good news is that insurers provide relatively easy-to-obtain discounts that can shave money off your homeowner’s insurance premium.
We are an independent agency focusing on the needs of our clients. We have relationships with dozens of insurance companies, allowing you to get the most competitive price along with our fast service. Whether you have the ideal history preferred companies desire or a not so perfect history, we offer the products for you. Certain types of changes to your policy can be requested directly from our website twenty-four hours a day, seven days a week by selecting any of our convenient forms located at the left. As experienced and professional independent agents, we offer the fundamental coverages with the personal touch you would expect from any of our local St Louis metro area Alternatives Insurance® locations.
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Posted Monday, April 05 2021 10:22 AM
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