Auto Insurance
Reduce your Premiums:
A Defensive Driver Course, offered through your local library , school, or other civic organizations, saves you 10% on your liability, Basic Personal Injury, and Collision coverages. For lists of classes, our clients may contact us as well.
Auto Security Systems reduce your Comprehensive premiums. These include alarms, Lojak, and window etching.
Comprehensive and Collision Coverage: Higher deductibles reduce your premiums. If you have an older car you may simply want to delete comprehensive or collision coverage. Is you car worth the value of the comprehensive and collision premium as well as the deductible?
Homeowners Insurance
Home safety devices reduce your premiums: Devices like smoke detectors, fire extinguishers, dead bolt locks, and central station alarms reduce your premiums, while making your home safer for your family.
Off Premises Theft Coverage protects your belongings from theft when you bring them away from your premises. Some people are traveling more now than when they first took out their policy, and may need to add this coverage. Some people are travelling less, or may have a higher deductible, and may want to delete this coverage to reduce their premium.