Smart Ways to Save on Your Auto & Home Insurance

Who doesn’t like saving money? Insurance is one of those bills that everyone needs, but many people pay more than they should. The good news: there are plenty of ways to lower your auto and home insurance premiums without cutting corners on coverage. Here are some of the best money-saving tips:

1. Bundle Your Policies

One of the easiest ways to save is by bundling your home and auto insurance with the same carrier. Many companies offer discounts when you combine policies, and in some cases, you can even include umbrella, recreational vehicles, or rental properties.

2. Raise Your Deductible

If you can afford a higher out-of-pocket cost in the event of a claim, raising your deductible is a quick way to lower your monthly premium. Just make sure you set it at a level you’re comfortable paying if something happens.

3. Keep Your Credit in Good Shape

Insurance companies often use credit history as one factor in setting premiums. Maintaining good credit by paying bills on time and keeping debt low can help you qualify for better rates.

4. Drive Smart and Stay Claim-Free

For auto insurance, a clean driving record goes a long way. Many carriers reward safe drivers with lower rates. Some even offer telematics programs (using a phone app or device in your car) that track safe driving habits and reward you with discounts.

5. Ask About Discounts

From multi-car discounts to paperless billing and loyalty savings, insurers often have a list of discounts you might not know about. A quick conversation with your agent can uncover opportunities.

6. Make Home Improvements That Pay Off

Did you know certain upgrades to your home can drive down your insurance costs? Improvements like:

• Installing a security system or smart locks

• Adding smoke detectors, fire alarms, or a sprinkler system

• Replacing your roof with impact-resistant materials

• Updating old plumbing, electrical, or heating systems

These updates not only protect your home but also reduce risk for your insurer—which can mean lower premiums for you.

7. Review Your Coverage Regularly

Life changes quickly—maybe you bought a new car, paid off your mortgage, or added a teenage driver. Reviewing your policies each year with your local independent agent ensures you’re not overpaying or carrying coverage you don’t need.

The Bottom Line

Saving money on insurance doesn’t mean sacrificing protection. By bundling, staying claim-free, making smart home upgrades, and working with an experienced local, independent agency, you can keep more money in your pocket while still protecting what matters most.

 At Bremberger Insurance Agency, we shop multiple companies for you to find the best fit. Call us today for a free, no-hassle quote: 262-214-0999