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Hi, my name's Seann McWhorter, I'm the agency principal of Insure Right Insurance Agency
located in Lehi, Utah. Today we're talking about insurance ins and outs, and specifically
how to reduce car insurance premiums. There are many things that you can do to reduce
your auto insurance payment. Where to begin -- there's just so, there's a lot. Well,
the first thing that you want to do is ask your insurance agent or insurance company
for all the discounts that you could possibly be eligible for. There are several different
discounts, from safe drivers to good student discounts if you're going to school full time.
There are defensive driver courses that if you've taken you can qualify for a discount.
There are discounts for insuring your home or your renters insurance with the same company
that you purchase your auto insurance from. There are discounts for having multiple cars
insured with the same company. There are discounts for being a good driver, for living longer
than other people. There are senior citizen type discounts available as well. There are
discounts for paying the premium in full, if you have a six month or an annual policy,
if you pay the whole amount up front, that can often save you money as well. Many companies
today are offering automatic checking withdrawal for your auto insurance. This usually will
save you a great deal on your payments as well. I highly recommend looking into that
as well. Look at yourself. Make sure that you're a safe driver. Avoid driving over the
speed limit. As you get moving violations for speeding or illegal turns or whatever
the ticket may be, those will eventually increase your auto insurance premiums. So being a safe
driver, being a courteous driver, definitely will help you in the long run keeping your
insurance premiums down. If you happen to have a claim or an accident, sometimes it
makes sense to discuss with your agent whether it would make sense to turn that claim in.
Oftentimes the insurance company would be paying out a very small amount on that claim,
and where that claim automatically would raise your rates. So sometimes it makes sense to
pay for those claims out of your own pocket. In the long run it will save you money. That's
one of the advantages of having an insurance agent is to discuss those things with them.