Have you noticed an increase in your auto insurance premium?

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A few reasons for the premium increase are due to the rising claim cost, supply chain constraints, labor shortages, increase in new/used car prices and weather conditions.

A few ways to reduce the premium –

  • Make sure the use of your vehicles are correct - pleasure use, number of days driven to work per week, number of miles driven to work one way, farm use and business use.

  • Increasing the deductibles will reduce the insurance premium and eliminate minor claims.

  • If you have a young driver (usually under the age of 25) in the household who is a student and has a 3.0 grade point average or B average or better, they may be eligible for the Good Student discount. The young driver may qualify for the student away at college without a car discount.

  • If you are 55 or older, you can reduce your premium about 10% by completing the Defensive Driving Course. For more information check your community education books or visit www.driverdiscountprogram.com. The courses can be taken in a classroom setting or on-line.

If you complete the course, you must provide your insurance agent with a copy of the certificate.

By Ann Valley

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Matt Jeske

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