What steps can I take to reduce my rates?

Insurers often discount their rates in order to encourage good driving practices and the use of safety and security precautions.  Insurers generally offer discounts for:

• Safety features -- Anti-lock brakes, air bags and passive restraint systems (i.e., automatic seat belts).
• Defensive Driving -- Clean violation record, driver's-ed courses for teenagers and defensive driving or accident prevention courses for adults (insurance discounts for the latter are required in some states).
• Security Systems -- Alarms, electronic locks and disabling devices.
• Changing Driving Habits -- Commuting by public transit, using a company vehicle for work-related travel and car-pooling.
• Formal Agreements Not to Drink and Drive -- The availability of a discount for signing such an agreement varies among insurance companies and states.
• Buying Homeowners and Auto Policies from the Same Company -- If you own a home and an automobile and you are insured by two different companies, check into the cost of carrying both policies by one insurer.
• Increasing Deductibles -- Requesting higher deductibles, the amount of money you pay before you make a claim, will bring your rates down.
  

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  Association of Wyoming Insurance Agents
  		P.O. Box 799 Sundance, WY 82729-0799 Voice: (307) 283-2052 Fax (775) 796-3122 Email: awia@vcn.com