💡 1. Bundle Your Policies

Tip: Combine your auto, home, and even life insurance under one provider.
Why it works: Most insurers offer discounts for bundled coverage—often up to 25%.

🚘 2. Drive Safe and Stay Claim-Free

Tip: Maintain a clean driving record and avoid small claims.
Why it works: Safe drivers qualify for lower premiums and claim-free discounts.

🏠 3. Raise Your Deductibles (Strategically)

Tip: If you can afford a higher deductible in case of a claim, consider raising it.
Why it works: Higher deductibles = lower monthly premiums.

📉 4. Review Your Coverage Annually

Tip: Schedule a yearly insurance check-up.
Why it works: Your needs change—so should your policy. Avoid overpaying for outdated coverage.

🧾 5. Ask About Hidden Discounts

Tip: Inquire about discounts for:

  • Alarm systems
  • Paperless billing
  • Paying annually
  • Being a student or senior
    Why it works: These small discounts can stack up fast.

💳 6. Maintain Good Credit

Tip: Pay bills on time and monitor your credit score.
Why it works: Many insurers use credit-based pricing, so better credit = better rates.

🧰 7. Upgrade Your Home Safety

Tip: Install smoke detectors, deadbolts, and security systems.
Why it works: Safer homes mean lower risk = lower premiums.

🛡 8. Don’t Over-Insure

Tip: Make sure your coverage reflects the current value of your car, belongings, or home—not more.
Why it works: You could be paying for more protection than you realistically need.

👨‍👩‍👧 9. Add Responsible Drivers Only

Tip: Keep your insurance limited to people with clean driving records.
Why it works: High-risk drivers (like teens or those with tickets) can spike your premium.

📱 10. Use Usage-Based or Telematics Programs

Tip: Opt in to “pay-per-mile” or “safe driving” tracking apps offered by your provider.
Why it works: Good habits behind the wheel can unlock major savings—up to 30%.

Want to save money on insurance without sacrificing coverage? The key is to stay informed, shop smart, and review regularly. Most importantly, work with a trusted producer who can help you find the right coverage at the best price—not just the cheapest option. Call MCIA today to get started.