We all know that insurance can be expensive and we know that we should all have it to protect our family and our assets,  like our home, cars, future retirement, etc. But what you may not know is that there are a lot of discount opportunities from insurance companies that you can take advantage of to reduce your insurance expenses. Here are just a few:

Auto Insurance:

  • It is important that you keep your driving record clean of traffic violations and accidents. Clean driving records can reduce your overall premium.
  • Before you go car shopping, give us a call with the couple of makes and models you are interested in. We’ll run quotes for you so you’ll have an idea of how your insurance premium will be effected.
  • Let us know when/if  your employment changes, if you work from home a few days a week or you carpool.  These changes can cut your estimated annual miles driven and your commute which could help reduce your costs.
  • Check into the ramifications of increasing or lowering your deductibles.
  • If you have teen drivers, make sure they are good students!  If so, you can enjoy Good Student Discounts on your family policy – and they can be sizeable.

Homeowners Insurance:

  • If you buy a new home, some carriers offer a “New Buyer Discount” – remember to ask about it.
  • When you bundle your homeowner and auto policies together with the same carrier you can enjoy multi-policy discounts on both.
  • Adding a home security system offers yet another discount which does vary based on the carrier.
  • Certain types of professions are also eligible for discounts and vary by insurance carrier.
  • You can also raise your homeowners’ insurance deductible if it will help you comfortably afford your monthly payments.

When reviewing your insurances, or buying insurance, we are familiar with all our carriers’ discounts. We will typically ask about family updates at policy reviews but feel free to contact us at any time as things change that might net you an additional discount. We’re here to help!

Contact Randy Jones Insurance in Pleasanton for all of your California homeowners and auto insurance needs. We will go above and beyond to ensure you are getting the best coverages for the best pricing!