Auto insurance is a must-have, but that doesn’t mean you have to overpay for it. At Horton’s Insurance Agency, we believe you should have great coverage at a price that fits your budget. The good news? There are plenty of ways to lower your auto insurance premiums while keeping the protection you need. Here’s how:
1. Compare Insurance Quotes
Not all insurance companies offer the same rates. Shopping around can help you find the best coverage at the most affordable price. Instead of spending hours getting quotes yourself, let Horton’s Insurance Agency do the work for you! As an independent agency, we compare policies from top insurers to find the best deal for you.
2. Bundle Your Policies for Bigger Savings
If you have multiple insurance policies—like home, renters or business insurance—you can save money by bundling them with the same provider. Many insurers offer multi-policy discounts, which can significantly lower your total premium.
3. Raise Your Deductible (But Be Prepared)
Your deductible is what you pay out-of-pocket before your insurance kicks in. Raising your deductible can lower your monthly premium, but make sure you have enough savings to cover it if you ever need to file a claim.
4. Keep a Clean Driving Record
Safe drivers get the best insurance rates. Avoiding accidents, speeding tickets and other violations will keep your premiums low. Many insurers also offer safe driver discounts, so staying alert on the road literally pays off.
5. Take Advantage of Discounts
Insurance companies offer many discounts that could help you save money, including:
- Safe Driver Discount – If you have no accidents or violations.
- Low-Mileage Discount – If you don’t drive much, you might qualify for lower rates.
- Good Student Discount – Young drivers with good grades can often save.
- Defensive Driving Course Discount – Taking an approved class could earn you a discount.
- Vehicle Safety Features Discount – If your car has anti-theft devices, airbags or anti-lock brakes, you might pay less.
Ask Horton’s Insurance Agency to check if you’re eligible for any of these savings!
6. Drive a Car That’s Cheaper to Insure
Insurance rates are based on your car’s make, model and safety features. High-end sports cars and luxury vehicles cost more to insure. If you’re looking to save money, choose a safe, reliable vehicle that’s known for affordable repairs and lower insurance costs.
7. Consider Adjusting Coverage on Older Cars
If you drive an older car with a low market value, you may not need comprehensive and collision coverage. These cover damages to your own car, but if your car isn’t worth much, the cost of the coverage may not be worth it. We can help you decide what coverage makes the most sense for your vehicle.
8. Pay Your Premium Upfront
Many insurers offer a discount if you pay for your policy in full instead of making monthly payments. If it fits your budget, this could be an easy way to save a little extra.
9. Work with a Trusted Insurance Agent
Finding the best auto insurance at the lowest price can be overwhelming, but you don’t have to figure it out alone. At Horton’s Insurance Agency, we take the guesswork out of shopping for coverage. Our team will find the best policy to fit your needs and budget—without cutting corners on protection.
Start Saving on Auto Insurance Today!
Lowering your auto insurance premium doesn’t have to mean giving up great coverage. By using these strategies, you can stay protected while keeping more money in your pocket.
Ready to find a better auto insurance rate? Contact Horton’s Insurance Agency today for a free quote and see how much you can save!
