rokerage in San Francisco, says it's important to find an insurance agent who will ask you a lot of questions.If those questions go unasked, "sometimes the dots don't get connected" and discounts are overlooked, Becerra says. "The important thing is discounts often stack on top of each other," he says.
If you get enough to add up, you could save up to 40 percent on your auto insurance premium, Becerra says. Here are seven savings tips a good agent should suggest.
Take a driving course
Your best guarantee of low rates is keeping your driving record clean, with no accidents or speeding tickets accumulated over the past three years. But even if you have been accident-free for 30 years, it never pays to be complacent.
"The more proactive a client is, the less of a premium they pay," says Mark Carrasquillo, an account executive with E.G. Bowman Co. in New York.
If you are age 50 or older, organizations like AARP regularly offer defensive driving courses, and many auto insurance companies provide discounts to those who complete the course. If you're in your mid-20s or younger, you may net a break on your rates for taking a driver's education class.
Unfortunately, if you fall in between these age groups, you're less likely to see the benefit of lower rates from taking one of these courses.
Drop your insurance comprehensive and collision coverage
If you own an older car, it might make sense to drop comprehensive coverage and collision coverage, Carrasquillo says.
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