As Independent Insurance Brokers, we have the tools and the qualifications to help you keep your premiums as low as possible.
Many factors contribute to an insurance premium.
- Increasing your deductible is an easy way to reduce your insurance costs. By paying for the little repairs, like chipped windshields, scratches and parking lot door "dings" yourself, instead of claiming for them on your insurance, you will save money in the long run.
- Maintaining a good driving record is very important, as traffic violations will increase your insurance rates. Don't drive when you are tired, and please don't drink and drive.
- Have you considered the car you're driving? While the type of car you drive does not affect the premium you pay for Third Party Liability insurance, it does affect the cost of Collision, Vandalism and Fire and Theft coverages. Some vehicles offer better protection to occupants; some are more expensive to repair; some are more susceptible to theft than others.There are many factors that contribute to the cost of insuring specific cars - including the country of origin, the year the vehicle was manufactured, the availability of parts for the car, the safety test ratings the list goes on and on.
With all of the factors affecting your insurance, it's nice to have someone who can sort through the confusion and make it clear for you. Just speak to us. We represent your interests to insurance companies. We do the research, and offer you unbiased advice on choosing the right coverage for your needs. And because we're independent, we work for you, not the insurance companies.