Get an Insurance Quote and Compare
If you want to save money on your insurance, it helps to compare companies and rates.
At Crilly Insurance, we can help you get started with an instant online quote
Compare Coverage
When you compare prices, it’s important to compare coverages. If you are comparing apples with pears, you won’t get the same value. A company may give a low quote because they’ve left an important protection out, that you may need such as uninsured motorist coverage on your vehicle or adequate liability coverage on your home.
Telematics
Many people are driving less because they are working from home. If your car is no longer being used to commute to work on a daily basis and the miles it is being driven per week has dropped significantly, you should be paying less for car insurance. The new technology of telematics, enables car insurance companies to track how often a car is driven and the habits and safety protocol of the drivers. At Crilly Insurance we offer a number of auto insurance options that offer reduced premiums on the basis of either how often the car is used or how safely the car is driven.
Bundling
How can you lower your bill? If you are not already bundling insurance policies together for a discount, begin now. Buy policies from same insurer and you are likely to pay a lower rate. A number of companies offer discounts for multiple cars, car and home, and a variety of combinations. At Crilly Insurance, our agents will sit down with you and provide multiple quotes to compare with other policies you may currently have with competing carriers and then you can decide what is best for your needs.
Raise Deductibles
Another way to lower your insurance premiums is to raise your deductibles. You can significantly reduce premiums for auto and homeowners insurance by carrying a higher deductible. According to the Insurance Information Institute, Increasing your auto insurance deductible to $500 from $200 could reduce your collision and comprehensive coverage by 15% to 30%. Reducing your deductible even more could further slash the cost of your premiums, but make certain your have the resources to pay the out of pocket expenses in case you are in an accident.
Get All the Discounts You Are Entitled To Receive
Are you getting all the discounts you are entitled to? If you have a safe driving record, work from home, or live close to work you may qualify for additional discounts. If you have teenage drivers and they are good students with a GPA of 3.00 or higher you will also qualify for discounts.
Credit
One of the ways that insurance premiums are determined is on the basis of your credit rating. It is very important to maintain good credit. There is a statistical correlation between credit scores and the likelihood of an insurance claim being filed. What that means is that drivers and homeowners with low credit scores pay higher insurance rates than consumers with excellent credit ratings in most states. In order to maintain a good credit score check your credit reports on a regular basis to make certain they are accurate. Pay your bills on time and don’t carry a large credit card balance. It can also be helpful to reduce the number of cards you hold, making it easier to track your spending and credit card use.
If you have any question, call us at 410-571-1771 or email one of our agents on our contact page.
