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Chances are you’ll get a few discounts automatically, whether you ask for them or not. Many of these discounts aren’t explicitly spelled out in your policy and are based on things you can’t always control, like your location or commuting habits.
If you want to go beyond the automatic stuff, though, you can maximize your potential discounts by following these easy bargain-hunting steps:
Take notes: Write down all the information you think the insurance company will need. That includes the make and model of your car, details on recent accidents and traffic violations, and any special features of your car. Also note your age, marital status, occupation, and any special memberships you have.
Have a heart-to-heart with an agent: Make an appointment by phone or in person and bring all your notes with you. The agent will ask you a few questions to get to know you better, so make sure to answer honestly and thoroughly. The more they know, the more discounts they can help you qualify for and the more you save.
Compare wisely: When you get your quotes, don’t go for the lowest number right away. Ask your agent about what discounts have been applied. One of those higher-priced quotes could actually be offering more discounts—and better coverage, to boot.
Keep your agent updated: Did you switch jobs? Get a new car? Buy a house? Inherit a jet-ski? Dropping your agent a quick line during these life changes can save you big money in the long run. They’ll help you find new discounts to make the coverage you need more affordable than ever.
