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Flaherty Insurance has been our agent for over 20 years. We have bought and sold several homes and cars over the years, and the transactions have always gone through seamlessly. We rely on Flaherty Insurance for their exceptional personal service.

Jim B., Hingham

Top 5 ways to save on auto insurance in 2015

Posted by Dan Flaherty on 16 March 2015 | 0 Comments

We all want to save money car insurance, but there is no need to sacrifice protection in the process.  Below are 5 tips that will allow you to do just that.

1) Combine your home, condo, or renters insurance with the same carrier.
By doing this one simple step you can save over 20% on both policies! And be sure to shop based on the cost of the total package, not just the price of the auto. Flo, Lady Liberty and the Gecko may have a competitive auto price, but when you combine policies this probably will not be the case. We have over 12 carriers to quote your auto and home insurance with!

2) Increase your collision deductible
By increasing your collision deductible from $500 to $1,000 you often save 75% of the additional $500 risk you are incurring the first year! In addition, if it is someone else's fault, and you have their insurance info, you will not be charged any deductible. 

3) Before you buy that new car find out how it will affect your rate.
All too often people find out after they have purchased a vehicle that it has caused their insurance rate to increase significantly. The cost to repair a vehicle, its safety record, and the likelihood of it being stolen will affect your insurance rate. You can check the car out first at (www.iihs.org)

4) Make sure you are getting all the discounts you are entitled to.
When you are requesting a quote from us, please remember to mention if:

  • You have an alarm
  • You took a defensive driving course
  • You have additional autos to insure
  • You drive under 7,500 miles a year
  • Your child has good grades or is away in school
  • You want to combine your home insurance with us

Every little bit can help save you hundreds of dollars annually.

5) Be responsible.
We all know that your driving record will affect your rate. However, did you know that many insurance companies are now looking at your credit history as well? It's true! Studies have shown that people with bad credit have more claims, and companies are now using this information to reward those with good credit, and shy away from those without out it. So remember to drive safely and pay your bills on time!


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