Customized Auto Insurance

Personal Auto Insurance

Know Your Insurance: 8 Ways to Save on Auto Insurance

Rising premiums may leave you wondering what you can you do to save money on auto insurance. While you can’t control all of the factors influencing your premiums, there are a number of cost-saving strategies you can use:

Your driving record is one of the largest factors that insurers consider when determining your auto insurance premium. You should always practice safe driving by eliminating distractions, focusing on your surroundings and driving defensively.

Most insurers offer a wide range of discounts. Ask your insurance agent what discounts may be available to you—such as good driver or good student discounts, or taking driver’s safety courses.

Every insurance company has their own way of determining your premium costs based off your personal information. Work with your insurance agent to request quotes from various insurers. This will allow you to see who is able to give you the best pricing for your desired coverage options

Having a higher deductible will reduce your premium costs since you’ll then be paying more out of pocket if you file a claim. If you have a clean driving record, haven’t been at-fault for any accidents and can afford to pay a higher deductible, you may want to consider choosing a high-deductible plan

A big component of your premium costs depends on how many miles you drive per year. If possible, try to limit your driving. And if you have reduced mileage, make sure to contact your insurer to let them know—you could potentially cut your insurance rate.

Vehicles that have lower safety ratings and are more expensive to repair typically have a higher premium. Ask your insurance agent about the different premiums available for each model of the vehicle you are considering in order to determine which car is the most cost-effective to insure.

Most insurance companies will look at your credit when determining your premium. You should routinely check your credit report for inaccuracies, keep credit card balances low and make all credit card and loan payments on time.

Most insurance companies will offer you the option to bundle multiple policies together in order to save money. For example, many companies offer substantial discounts if you bundle your home and auto policy with them.


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Frequently Asked Insurance Questions

Currently, insurance carriers are fairly lenient on policy lapses. It is generally a good idea to keep your construction insurance policy and bond in force. 

If you have a lapse in coverage and are having trouble finding coverage, one of our construction insurance specialists will do everything to get you insured.

Call (425) 242-5357

First Underwriters Construction insurance specialists will shop our network of over 100 admitted insurance carriers and find the lowest down payment and monthly payments.

Call (425) 242-5357

If you've been declined elsewhere for prior losses, First Underwriters Construction Insurance Specialists will find a carrier  that will meet your insurance requirements and get you back to work.

Call (425) 242-5357