It can be easier than you think to put the brakes on high auto insurance rates – as an independent
agency, Auto Plus Insurance can help! We can review your policy and possibly help you find a variety
of illuminating ways to save money. Here you will find some of things you may want to consider. Keep in
mind that Progressive insurance quotes online from an independent agent may be lower or higher than
one directly from the Company.

• Ask us to check several companies’ rates. This is the single most important thing you can do to get
the best possible
car insurance rate -- and we can do it for you quickly and easily. The difference
between the highest and lowest rate available to you from different companies could vary by hundreds
of dollars.

• Reduce or drop physical damage coverage on an older car. Depending on your car’s age and where
you live, comprehensive and collision coverage may not be worth keeping. We can give you advice on
whether it makes sense to reduce or drop this coverage altogether.

• Raise your deductible. According to the
Insurance Information Institute, raising your deductible from
$200 to $500 could reduce your collision and comprehensive cost by 15 to 30 percent. In addition,
because the average driver files a collision claim only once every ten years, odds are that over the
lifetime of your car, a higher deductible will save you money. We can show you how raising your
deductible will lower your premium.

• Look for discounts. Many insurance companies reduce premiums for certain driver traits or car
features. For example: being a homeowner for more than three years, nonsmoker, nondrinker, students
with good grades, senior citizens who have taken an approved defensive driving course, people who
only drive for pleasure, cars kept in garages, antilock brakes, antitheft devices, air bags, etc. Ask us to

• Don’t assume having your car and home insured by the same company is the best option. Because
auto insurance rates vary so much from company to company, it may make sense for you to have your
car and home insured by separate companies. Let’s talk about it.
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