Why is it important to shop your insurance on a regular basis? How frequently should you shop your insurance? How can who your insurance agent is make a huge difference in the cost of your insurance?

Insurance companies take numerous factors into account when they rate your premium for any policy. They also try to find ways to possibly save you money. For the sake of brevity, I will only focus on a few of the factors used in rating a personal auto policy and the savings that can be found as well. You can influence some of these factors, while others may be out of your control.

  1. You’re getting older.

Whether you want to admit it or not, you are getting older, and hopefully wiser. With age comes experience and a driving record. Maintaining a safe driving record is crucial for getting the best possible rate on your auto insurance. Most insurance carriers will look back about three years for driving infractions as well as claims.

  1. Your car is getting older (or newer)

Also, as your age continues to change, so does your vehicle. Remember that the value of your car decreases as it becomes more outdated. The value of your vehicle also plays a large part in the rate that you pay, it costs waaaay more to insure a 2017 Corvette Z06 (my dream car) than a 1992 Chevrolet Corsica (my first car).

  1. Your life has changed

When you started out driving it was just you and your first car, but now life has changed. Now you are married with two kids, a house, and two vehicles. As life changes so do your insurance, not just your premiums, but also your discounts! Now you could qualify for a safe driver discount and bundling discounts for owning multiple vehicles and a home.


There several more ways to save on your insurance, but the best way to find those savings is to speak with one of our licensed agents today. Our agents will search through our multiple carriers to find the best coverages and savings for you and your family. Please remember that we are always happy to help you with any questions that you may have and offer quotes, all at no charge to you.

Click here to be fill out our contact form and one of our agents will reach out to you quickly.