1. Increase your policy deductible. Remember, your insurance policy is their to protect you in case of an emergency. If you have enough funds to pay for a higher deductible in the event of an emergency than do so. A change from $500 to $750 or $1000 can save you HUGE amounts. Ask yourself: “If an emergency were to occur would I be able to come up with $1000?”.
2. Package your home and California auto insurance with the same insurance carrier. As incentive just about every insurance carrier will give you deep discounts for giving them both your home and auto policy. Proceed with caution, some companies might give you a discount but the over all rate can still be more expensive than if you had left them in separate policies. For this reason you will need to shop around with multiple carriers getting rates with and without the package discount.
3. Let your agent know that you have an alarm system. Having an alarm system or LoJack/similar device can save you quite a few dollars over the long run. Having an alarm system or LoJack device will deter car thieves, insurance companies love that. If you were ever on the fence about getting an alarm system hopefully this will push you over the edge!
4. Shop your insurance policy! Some people blindly pay whatever their insurance company offers when there are plenty of options with better coverage AND price on the market. Get in touch with a California insurance broker, they have access to multiple insurance companies and find you the better deals. Feel free to get in touch with us, we can shop your policy with multiple companies. Call us anytime at 949-777-5027.