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GOOD NEWS: There are things you can do to keep your insurance costs down WITHOUT sacrificing the coverage you need.

Six Top Strategies to Save Money on Your Insurance
without Sacrificing the Protection You Need.

Strategy #1 Take a Defensive Driving Course
We offer a $5 discount off the online course offered by Improv New York Traffic School. Normally $29.95, the course is now $24.95 when you enter promo code PIPER5. Click here.

Strategy #2 Combine your Auto & Home Insurance with the same company
Multi‐policy discounts can potentially save from 5 to 15% on both your auto and home insurance policies.

Strategy #3 Utilize Higher Deductibles – Remove Comp & Collision on Older Vehicles
Many people still carry low deductibles on their Home and Auto Insurance coverages. However, your insurance rates will be lower if you carry higher deductibles. The savings gained by using this strategy can pay for itself in as little as 2‐3 years, even if you have a loss with the higher deductible. You may also want to consider removing Comprehensive and Collision on older vehicles.

Strategy #4 Review your Discounts
Insurance companies offer a wide range of discounts. If you have not reviewed your Auto or Home Insurance recently, you may find new discounts to which you are entitled.

Strategy #5 Reduce your Number of Payments
Most insurance companies now offer significant discounts if you pay your insurance bill up front, by Electronic Funds Transfer (EFT) or with fewer payments. Some companies reward customers up to 10% for making fewer payments or with EFT.

Strategy #6 Watch your Credit
More and more insurance companies are using an “insurance score” as a factor in developing the rates you pay. An insurance score is related to your credit score. Checking with Equifax (, Experian ( or Trans Union ( is a good idea to make sure your report accurately reflects your actual credit information.



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