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The best way to
save: Drive responsibly and use common sense! Obey all traffic
laws. Moving violations can skyrocket your rates and your driver's
license can be suspended. Driving drunk can land you in prison.
It pays to be safe. Following are some additional tips on how to
lower you premium:
- Traffic
School.
By attending traffic school, you can actually have a
ticket removed from your driving record, which could
affect your insurance premium. You now have a choice
of attending the traditional classroom course or taking
the course over the Internet at a time that is convenient
for you in the comfort of your home, office, school
or local library. It is important to check with the
court in the city that your ticket was written to verify
what schools they allow.
- Increased
Comprehensive/Collision Deductibles. An increase
from $250 to $500 can often save you as much as 5-10%.
Many carriers have deductible options as high as $1,000
or $2,500. Just make sure that you have the resources
to handle the larger deductible in the event of a loss.
- Package
Credit. Some carriers offer an additional discount
of 10-20% on your auto insurance premium if you insure
your home with them as well.
- Good
Student Credit. A Good Student Discount may be available
if your child has a GPA of 3.0 or higher.
- Safety
Credits. An additional discount may be available
if your vehicle has airbags, automatic seatbelts, an
alarm system or anti-lock brakes. The VIN number of
your car usually verifies most of these; however, if
you have upgraded your alarm system or installed a tracking
device, you may be missing out on this discount.
- Occupational Credits. If you are an educator, scientist,
engineer or are a member of the Los Angeles County Bar
Association or the California Medical Association, you
could be eligible for a discount of up to 15%.
- Mature
Driver Credit. If you are 55 or older and have completed
a DMV-approved Defensive Driver Course, you may qualify
for a discount of up to 5%.
- Persistency Credit. Some carriers give a discount
for having prior uninterrupted insurance. The credit
can vary from one to five years.
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*All discounts vary by carrier.
Supplemental documentation may be required. Please contact our office
to see if you qualify.
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