With the rising prices of gas these days, many of our customers are trying to find more ways to save money on their car insurance.  The licensed insurance professionals at Joyce Insurance Group may be able to find discounts on car insurance that you never knew existed.  Here are some suggestions from our highly qualified advisors:

Consider Electronic Payments or Lump Sum Payments:   You may be eligible for discounts if you choose to pay by EFT (electronic funds transfer), which is paying directly from your checking account according to a pre-arranged schedule of payments.  If you have the ability to pay an entire annual premium in one lump sum, you may be eligible for even more discounts.

Increase Your Deductible:   If you can afford a higher deductible, you can often save 10% to 15% on your annual auto insurance premium.

Be Safe and Save Money, Too!   Choosing security and safety features such as car alarms, anti-lock brakes, automatic seatbelts, side air bags, and any anti-theft devices may reduce your premium.

Reduce Driving Time:   If you carpool, take public transportation, or ride your bicycle to work, you may be eligible for an infrequent driver discount.  If you stay below a certain amount of miles, say 5,000, some companies may give you a discount.

Student Discounts & Teen Drivers:   Most insurance companies offer Good Student Discounts, which are available to full-time students that are averaging at least a B in school.  There are also some companies that will give you benefits for continuing education.

Have Great Credit:   Most insurance companies believe that there is usually a direct correlation between credit history and driving records. People with excellent credit histories can reap the rewards of a lower insurance premium.

Location, Location, Location:   Customers who live in rural areas benefit from low crime rates and mild traffic and therefore cheaper premiums.  If you live in the city consider leasing garage space.  This will lower your rates because your car will have less exposure to crime and high traffic.

Multi Policy Discount:   Almost every company offers multi-policy and multi-vehicle discounts.  Once you have chosen an insurance company, purchasing all of your insurance products through that company could yield you hundreds of dollars in savings each year.  For instance, if you purchase auto insurance, consider moving your homeowners or life insurance to that company as well.

Have a Professional Review Your Policy:   Each year there are changes and new discounts which may become available to you.  The licensed experts at Joyce Insurance Group contact our customers upon renewal of their policy to review these changes with them personally.  Feel free to contact us to initiate this review process at any time.

Drive Carefully:   A clean driving record is still the best way to reduce your premium.  Drive slow, drive defensive, don’t speed, and most of all, don’t drink and drive.