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5) Keep you insurance agent informed of any marriages, retirements at age 65, B average+ good students, a high credit rating, the earning of a college degree, and a car with a burglar alarm system. These are all possible discount.

6) If you qualify, by not having any moving violations, or claims contact two other insurance carriers for a quote if you want to be sure that your present carrier is competitive. The benefit of reviewing your coverage is to keep your information current and premiums affordable.

7) The amount of premium you pay is dependent on claims history, rate of inflation, and the interest return the insurance company is earning on their cash reserves. Premium will increase but your control of claims history is the most important. Another benefit to you is now we have freed some money that should be added to savings. The savings from the deductibles being reduced will take about three years to cover the out of pocket cost of the increased deductible. Then, this amount is found money to add to savings.