| Accident Free |
Simply put the
longer you go without having an accident the better your
savings will be. Some companies look back as far as
five years when calculation price and teiring based on this
consideration. |
| Accident Prevention Course |
Taking a defensive driver's course
or accident prevention course will save nearly 10% off of
each driver's portion of your auto insurance policy.
Each driving member of the household should take the course
for maximum savings. These course may even be taken
online and our website has a link to one of these classes.
The savings is good for 3 years. |
| Account |
Account Credit is another good
savings tool to use. When you have several different
kinds of insurance with the same insurer they often will
have a credit even if the policies are other than home and
auto. |
| Advanced Quote |
Perhaps a better name for this
premium saver would be advance purchase. Several
insurance companies will give you a better price if you
replace you current insurance one or two weeks before the
end of your current insurance term. |
| Annual Mileage Credit Endorsement |
The less you drive each car the
more you can save. So it is good to keep a record from
one oil change to the next as proof of low milage driving
habits and use this to add in more savings to your personal
auto insurance policy. |
| Anti-Lock Brakes |
If your car has antilock brakes you
can save. |
| Anti-Theft |
Depending on what type of
anti-theft device you have on your auto will determine how
much you can save in this category. |
| Away at School Without a Car |
If your young adult driver is away
without an auto at the college campus that is usually 50
miles or more away from home, your insurer may discount the
cost of car insurance on the vehicle that they usually
would be driving for the period of time they are away. |
| Collector Car |
While collector car is not truly a
discount, because the rules for collector's car
insurance are so strict you can save money by qualifying for
this type of insurance. |
| Company Car |
If you have a company or employer
supplied car is regularly available for your use you will
most likely qualify for this discount. |
| Continuous Insurance |
There is not usually a clearly
defined discount for this. However we all seem to know
that new, inexperienced drivers cost more to insure.
Every lapse of insurance counts against you.
Therefore, keeping continuous insurance can lead to savings. |
| Daytime Running Light |
If you auto has Daytime Running
Lights you can see savings in most cases. |
| Defensive Driver |
See Accident Prevention Course |
| Distant Student |
See Away at school |
| Driver Training |
Not every insurer will give a
discount for successfully completing a driver's training
course. It is worth asking about. |
| Electronic Funds Transfer |
The manner you pay your premiums
will save you money. Each installment comes with an
installment fee. Those fees are very low or sometimes
waived completely for EFT monthly billing. |
| Early Signing |
See advanced quote. |
| Full Coverage |
Some insurers only offer insurance
when physical damage and liability coverage is on the
primary autos. What we have noticed is that these
companies prices are so good that you may actually save
money when you add coverage as compared against your old too
expensive insurance policy. |
| Good Student |
Do good in school save money on
your insurance. |
| Homeowner |
Being able to prove that you are a
homeowner is another way to save on car insurance even if
you do not insure the home with your auto insurance company. |
| Homeowner and Multi-Car |
Home and auto insurance together
with the same insurance company usually provides a
discount. Better than that, When these two
policies have the same renewal dates it is like a magic
pricing moment. |
| Hybrid\Electric Vehicle Discount |
Green is a factor when getting
better pricing. |
| Length of Time With Prior Carrier |
Insurers want loyal customers, so
some offer to buy your loyalty by giving you an better price
than your current insurance company...go figure... |
| New Car |
People tend to take better care and
be more watchful of a new car they personally just
purchased. This fact is reflected in the new car
discount applied to some policies. |
| Minor Child disclosed on policy |
That is correct. Even if your
young ones are not of driving age now, and you disclose them
on your auto insurance, the insurer may have a better priced
insurance package for your family auto policy. |
| Mobile Home Owner |
If you can prove that you are a
mobile home owner by having an insurance policy on it some
companies will give you a lower price on your auto
insurance. |
| Multiple cars discount |
Having more than one car on a
policy will usually save you money from having the same
cars on separate policies. |
|
Multi-Policy |
Having more than one policy with
the same insurance company can many times save you money.
And time, that equates to money. |
| Occupation |
While you will not see a discount on the declaration
pages of you auto insurance policy we find that your current
occupation and level of education are factors some insurers
employ when creating your car insurance pricing. It has a
bearing on what tier of auto insurance they let you have.
The more white the collar and the more education you have
the lower your premiums may be. When planning your future
this is something you may want to consider. |
| Paid in Full |
You save installment fees and more
times than not get a better premium right up front.
Managing your money well does pay off. |
| Paperless |
Insurance companies are going
paperless and the more they can communicate with
electronically the better. Receiving everything like
the policies, ID cards and invoices may result in an overall
premium savings on your auto insurance of 5%.
|
| Passive Restraint |
You can get up to 10% off on
parts of your premium for having things like automatic
seatbelts or airbags. The more the better.
|
| Pay on time faster tier upgrade |
By now many of you are aware
that auto insurance companies have many price tiers
depending on many criteria. Did you know that some
look at how good you do at paying your premiums, on time or
early, without them needing to send you cancellation
notices. After you have a good track record in place
they are will to give you better pricing. Again
another example of the long view approach you should take
with your car insurance planning.
|
|
Pay in Full Discount |
While it stands to reason that
you save money when you avoid paying installment fees by
making fewer payments, you may save even more money on your
car insurance by paying the entire premium off before the
policy term starts. In some cases the savings may be
hundreds of dollars between the Pay In Full policy premium
and the installment plan premiums of your auto insurance.
Other times by paying you vehicle insurance in full you may
become eligible for a better class of policy. Your
auto insurance policy premium payment strategy really does
make a difference to your bottom line. Work with our
agents to help you come up with a strategy you can really
live with 607-843-8860, chat or
insurance@drickardinsurance.com
|
| Prior Limits |
A little known fact about auto insurance premium is
a calculation that many insurance companies include a
consideration for how high your current insurance coverage
is today. That is right, the more coverage you have now,
the more likely you will be able to get better premiums for
on your next policy. In some cases persons have very high
limits of coverage and pay less than the persons who only
have the state minimum limits of insurance. So a strategy
to employ is to buy the limits of coverage that make the
most sense to you while providing valuable insurance
protection for you, your passengers and those around you,
while planning for your future needs with a mind to
maximizing insurance and saving money at the same time. For
more on this insurance long view contact the agents at
607-843-8860, chat with us or email us at
insurance@drickardinsurance.com |
| Residency Rewards |
Where you live has much to do with the cost of your
insurance. In some cases we have seen a difference in price
of 15% depending on what side of the river you live on.
This is something to consider before buying a home and
especially before renting an apartment. Another factor is
how long you have lived at your current address. Stable
residency does bring rewards when you live in the right
areas. Contact our agents to discuss the various insurance
zones in your area and how they will affect your premiums
607-843-8860 or
insurance@drickardinsurance.com |
| Safety Equipment |
This discount varies depending safety features you
vehicle has. This class of discount is more precisely
considered in other categories. |
|
Student Away At School |
Depending how far away your student is at school
without any of your vehicles to drive may create great
savings for you. Special conditions apply. |
| SnapshotTM/
DrivewiseTM |
Are discounts that you may receive, up to 30% off, when you
install devices that Progressive or Allstate give to select
customers to put in their autos, to keep track of your good
driving habits. Good Drivers really need to think about
accepting this discount option. Contact us to discuss
whether or not you would be a good fit for this discount
607-843-8860 or
insurance@drickardinsurance.com
|
New York State
