How to Maximize Your Personal Insurance Discounts
How to maximize your personal insurance discounts. When it comes to personal insurance, there are many ways to save money without sacrificing coverage. At Conner Insurance, we want to help you uncover discounts you may not know about. Below are some detailed tips and tricks to lower your insurance premiums while keeping your coverage intact.
Track Your Mileage for Potential Discounts
If you drive fewer miles than the average annual mileage, you may qualify for a low-mileage discount. Insurance carriers often reward policyholders who can prove reduced mileage with lower premiums. To take advantage of this, maintain a log of your mileage or consider installing a telematics device provided by your insurer to verify your driving habits.
Bundle Policies for Maximum Savings
Bundling your auto, home, and other insurance policies with the same carrier is one of the easiest ways to save money. Many carriers offer multi-policy discounts, which can lead to significant savings over time. If you already have multiple policies, reach out to ensure you’re getting the full benefits of bundling.
Bundle Through Conner Insurance
Even if your policies are with different carriers, Conner Insurance can still help. Some carriers offer discounts for having multiple policies through us—such as home and auto insurance. We’ll work to identify the best options and ensure you receive all eligible discounts.
Good Student Discounts
If you have a student driver with a GPA of 3.0 or higher, you could save on auto insurance premiums. This discount often applies to both high school and college students. To qualify, submit a copy of the student’s report card or transcript each policy term.
Install a Water Shut-Off Valve
Installing a water shut-off valve in your home not only helps prevent costly water damage but may also qualify you for an insurance discount. These valves detect leaks and shut off your home’s water supply automatically, offering extra peace of mind.
Central Station Monitoring Discounts
Having a burglar or fire alarm system monitored by a central station can significantly reduce your insurance premium. Provide your insurer with a certificate of installation to take advantage of this discount. This added layer of protection is a win-win for safety and savings.
Smart Home System Savings
Smart home systems—like those that monitor for fire, water leaks, or break-ins—can help lower your insurance premiums. Many insurers offer discounts for homes equipped with these systems because they reduce the likelihood of claims.
Defensive Driving Rewards
Defensive driving courses aren’t just for new drivers. Completing a certified course can qualify you for a discount on your auto insurance. Additionally, consistently practicing safe driving habits, such as obeying speed limits and avoiding accidents, can keep your premiums low over time.
How to Get Started
If any of these discounts sound like they might apply to you, contact us today. Our team is here to ensure you get the most value out of your insurance coverage.
Conner Insurance is committed to helping you protect what matters most while maximizing your savings. Call us at 317.808.7711 or email us at [email protected].
