Car Insurance

The premium you’re charged can vary dramatically depending on the coverage you request; the kind of car you drive and your driving record. You may not realize it, but there may be discounts that you are eligible for but which you are not taking advantage of. You just need to know which questions to ask.

Here are some recommendations from Farmers Insurance Group to help try and lower your insurance costs.

1. Ask for higher deductibles — Deductibles represent the amount of money you pay before you make a claim. By requesting higher deductibles on collision and comprehensive coverage, you can lower your costs substantially. For example, Farmers has one of the broadest ranges of deductibles for consumers who want even more choices and savings.

The Farmers Insurance Company has a handy deductible calculator on its Web site: www.farmers.com, you can use to help determine the right deductible for your situation. You answer a few questions on the amount of cash and credit you have and the value of your vehicle, and the calculator can estimate the deductible that may be right for you.

2. Consider buying all your insurance from one company – Keeping your insurance at one company may make you eligible for multiple policy discounts. So if you have your car and home insurance with one company, you will get a discount.

3. Ask about automatic seat belt or air bag discounts — You may be able to take advantage of discounts on some coverage if you have automatic seat belts and/or air bags.

4. Take advantage of low mileage discounts — Some companies offer discounts to motorists who drive fewer than a predetermined number of miles a year.