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1. Shop Around for the Best Rate
Take some time to compare auto insurance quotes from multiple companies. Rates can vary significantly, even for the same coverage levels. Doing a quick price check every 6-12 months helps ensure you're not missing out on better deals.
Tip: Use online comparison tools or contact a local independent agency (like us!) to do the legwork for you.
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2. Bundle Policies
If you carry multiple policies (like home, renter's, or boat insurance), consider bundling them with the same insurer. You can often score a discount by keeping all of your coverage under one roof.
Tip: Ask about multi-policy discounts specifically. You might be surprised how much you can save.
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3. Raise Your Deductible
A higher deductible typically means a lower monthly premium. If you can handle a bit more out-of-pocket expense in the event of a claim, it could be a great way to cut costs.
Tip: Run the numbers to see if the monthly savings outweigh the risk of a higher deductible.
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4. Maintain a Clean Driving Record
Safe driving is more than just good sense - it's a money saver! Insurance companies reward clean records and may offer accident-free or good-driver discounts.
Tip: Defensive driving courses can sometimes knock a bit off your premium, too.
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5. Ask About Low-Mileage Discounts
Don't drive a ton? Many insurers offer low-mileage discounts if you stay under a certain threshold each year.
Tip: Check with your agent if you're a weekend-only driver or you work from home and rarely commute.
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6. Maintain Good Credit
Believe it or not, your credit score can impact your insurance premium. Paying bills on time and reducing outstanding debt can help boost your score and lower your rate.
Tip: Review your credit report annually to ensure accuracy and catch potential issues.
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7. Review and Update Your Coverage Regularly
Life changes - like a move, new job, or paid-off vehicle - can affect your insurance. Review your policy every year or two to make sure you're not overpaying for unnecessary coverage.
Tip: Keep your agent in the loop whenever something significant changes with your driving habits or vehicle.
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About Joseph Hoell Insurance Agency
Local. Independent. Focused on you.
We've been helping Wisconsin drivers protect what matters most with coverage from over a dozen trusted insurance companies.
We believe insurance should be simple, affordable, and personalized. Contact Info:
Website: https://hoellagency.com
Thank you for reading! We look forward to helping you find the right auto insurance for your needs.