Auto Insurance for $138/mo $38/mo

1. State minimum liability coverage for older, paid-off vehicles
2. Discount combinations like multi-car (12% savings), good student (10% off), and paperless billing
3. Telematics programs that reward safe driving (averaging $231 in annual savings)
4. Higher deductible options that can reduce premiums by 15-30%

Driver Behavior Discounts:

• Accident-free for 3-5 years (up to 34% savings!)
• Defensive driving course completion (5% discount)

Policy Discounts:

• Bundling auto with home insurance (average 7% savings)
• Paying premiums in full (5-10% discount)

Demographic Discounts:

• Good student discounts (10% off for B average or better)
• Homeowner discounts (even without bundling policies)

1. Bodily Injury Liability: Pays medical expenses for others if you cause an accident
2. Property Damage Liability: Covers repairs to others' vehicles or propert

• Encourages insurers to offer usage-based programs with discounts up to 40%
• Rewards low mileage and safe driving habits through app-based monitoring
• Creates competition between insurers for tech-savvy drivers

• Low deductible ($250-$500): Higher monthly payments but smaller out-of-pocket costs for claims
• High deductible ($1,000-$2,500): Reduces premiums by 15-30% but requires larger claim payments
• Vanishing deductible programs: Gradually reduce your deductible amount ($50-$100 annually) for each accident-free year

• At least once yearly (even satisfied customers find 20% average savings)
• After major life changes (moving, marriage, new vehicle)
• Following accidents or violations (different companies treat incidents differently)

1. Use our instant quote tool to compare rates from top insurers
2. Identify all possible discounts you qualify for (our agents can help!)
3. Choose the optimal coverage-deductible combination for your budget