Here at DF Insurance Agency, we try our best to maximize any discounts that you could be eligible for. Below I listed a few!1. Probably the most common discount is "bundling"! By insuring your home and auto insurance with the same company, you can save up to 20% just on your home! That is the good thing about having an independent agent. We can shop different companies and bundle packages to see which can be the best fit for you!
2. Alarm discount! If you have a fire and/or burglar alarm, let your agent know. Both alarms can add up to 10% in discounts!
3. Did you recently replace the roof on your home? Some companies will give you a discount if you have recently replaced your roof. Even if you don't get a discount, you should still let your agent/insurance company know.
4. On the flip side of a new roof, if you have a older roof, you can add an ACV (Actual Cash Value) endorsement on the roof instead of a Replacement cost. Talk to your agent to see if this may or may not be the best option for you.
5. Do you live in a Gated Community? This may also give you an additional discount on your homeowners insurance!
6. You can save on your auto insurance if you have an alarm or anti-theft system.
7. Have youthful drivers still in school? Did you know that if they have a B average on their report cards, you may be eligible for a Good Student Discount? They can, just check in with your agent and find out how much you can save!
8. Having no claims or violations also gives you a discount!
9. Has your credit score improved in the past 3 years? Ask your agent/insurance company if they can check your insurance score. If it has improved, your rate can decrease! Most companies will run it about every 3 years on your renewal.
10. Early quote discount. That's right, if you quote and submit an auto policy within 8 days (for most companies) of the effective date, you can get a discount for that as well.
11. Payment plans can also affect your rate. Pay in Full, usually always has a discount. Don't worry, if you can't pay the premium in full, paying by EFT (electronic funds transfer) will also give you a discount! Also, choosing to have electronic delivery over having your policy mailed to you can offer a discount with some companies.
There are other discounts as well, that I'm sure I am looking over. However, keep in mind that your payment history, claim history and credit score all have an affect on your rates as well! Stay tuned for more helpful tips!
Let us know if you have any questions or concerns, we are happy to help with any questions!
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