Review your current coverage at least 30 days prior to the renewal date. Not only will you have a current copy of your renewal notice, but it allows you plenty of time to make necessary changes to your policy due.
Make a List
Make sure you understand current limits and exclusions in effect on your policy then ask about any changes or modifications that may impact the premium. For example, if you have recently had a change of marital status or employment it could impact your rates. Inform your agents of all changes to find out if you qualify for better rates.
Ask for discounts! It is possible to reduce premiums by 5 to 25% by combining common discounts, including special rates for organizations and memberships, as well as safe driver and multiple policy discounts.
Different makes, models and safety features can save thousands of dollars over the life of the vehicle. The same applies when it comes to customized features; everything from the stereo to security systems dramatically influences insurance rates.
Prior to making modifications to the vehicle ask your agent for a quote related to additions or modifications to the vehicle.
Eliminate and Don’t Duplicate
Don’t pay for coverage you already own; common examples include rental coverage or supplemental medical coverage.
Take time to coordinate your auto insurance with other policies you may own to get the best coverage possible at the most affordable rates; in many cases you might find auto insurance provides superior coverage at a better rate than credit card provided rental policies or supplemental medical coverage.