At Granite Insurance Agency, we know protecting your home, car, and wallet is a priority. Finding ways to lower your auto and homeowners insurance costs doesn’t mean sacrificing quality coverage. With a few thoughtful adjustments, you can save money while ensuring you’re prepared for life’s uncertainties. Here are four expert tips straight from our team at Granite Insurance Agency.
1. Bundle Your Policies
Why juggle multiple providers when you can streamline and save? By bundling your auto and homeowners insurance policies with Granite Insurance Agency, you could unlock substantial multi-policy discounts—saving as much as 10% to 25% on your premiums. Plus, bundling simplifies your life with one trusted agency handling all your coverage needs.
Granite Advisor Tip: Before committing to a bundled package, let our team review your policies to ensure you’re getting the best combination of value and protection.
2. Increase Your Deductible
Looking for an immediate way to lower your premiums? Opting for a higher deductible might be the solution. For instance, increasing your auto insurance deductible from $500 to $1,000 could save you up to 20% on your monthly costs.
Granite Advisor Tip: Make sure you have an emergency fund set aside to cover your deductible if needed. This strategy works best if you’re confident in maintaining a low claims history.
3. Utilize Incentives Provided by Carriers
Granite Insurance Agency ensures you’re aware of all the discounts you’re eligible for. Common opportunities include:
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Auto Insurance Discounts: Safe driver, low mileage, good student, and advanced safety features (e.g., anti-theft systems).
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Homeowners Insurance Discounts: Security systems, smoke detectors, claim-free history, and updated home systems like plumbing or roofing.
Granite Advisor Tip: Not all discounts are automatically applied. Give us a call, and we’ll help you uncover every potential savings opportunity.
4. Shop Around and Compare Rates
With so many providers and policies on the market, you could be overpaying without even realizing it. At Granite Insurance Agency, we help you compare rates across trusted carriers to ensure you’re not missing out on better deals for the same coverage.
Granite Pro Tip: Use our agency’s expertise to do the heavy lifting. We’ll compare rates and recommend options tailored to your unique needs and budget.
Final Thoughts: At Granite Insurance Agency, we’re committed to helping you save money without compromising your peace of mind. By bundling your policies, increasing deductibles, leveraging discounts, and shopping smarter, you can lower your insurance costs while maintaining top-tier coverage. Contact us today for a free policy review, and let’s work together to keep your insurance costs as solid as your protection.
