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Everybody wants to save money on their insurance. Our goal is to help you do just that! Most carriers offer discounts that may apply to your particular situation. Enclosed are articles, websites and specific discount opportunities that may be available to help you reduce your premium.

Auto Policy Discounts

• Good Student – Applies to full-time students generally between ages 16 and 25 with a “B” average or better. Grade transcripts are typically required each grading period.
• Driver’s Education – Applies if a young driver has completed a certified driver’s education course.
• Resident Student – Applies if you have a student on your policy typically up to 21 yrs of age that is living at school that is more than 100 miles than the vehicles are garaged.
• Home Owner/Condo Owner – Applies if you own your home or condo.
• Multi-Vehicle – Applies when you have more than one vehicle on the same policy
• Multi-Policy – Applies when you have multiple policies with the same carrier.
• Payment in Full/Electronic Fund Transfer (EFT) – Applies if you decide to pay your policy in full or have the monthly payment transferred automatically from your banking account.
• Raise Deductible – As a general rule, the higher you set your deductibles, the lower your premium will be.
• Vehicle Equipment – Applies generally to the safety equipment that comprises your vehicle. When the policy is written, typically the Vehicle Identification Number (VIN) will generate the discount. Examples are whether your vehicle has Air Bags, Anti-lock brakes, Anti-theft devises, Daytime Running Lights and others.

Homeowners Insurance Discounts

• Wind Mitigation – Applies to the “wind” portion of your homeowner’s policy premium. If your home has specific construction mitigation features such as Hurricane shutters, Hurricane straps/clips or other features, you could qualify for robust discounting. To receive the discount, a certified inspector must physically inspect your home using a specific mandated form. Please call us for details. Please find attached link for the form and additional information.
• Multi-Policy – Applies when you have multiple policies with the same carrier.
• Payment in Full/Electronic Fund Transfer (EFT) – Applies if you decide to pay your policy in full or have the monthly payment transferred automatically from your banking account.
• Raise Deductible – As a general rule, the higher you set your deductibles, the lower your premium will be.