Group Auto & Home Program  
Auto & Home Policy Tips  
Questions & Answers  
Information Carriers Require  
Policy Comparison Worksheet  
     Tips to help lower your auto & home insurance premiums

1. Shop around
Prices vary from company to company. Don’t shop price alone. Compare
coverages and ask your friends and relatives for their recommendations.
2. Before you buy, compare insurance costs
Auto insurance premiums are based on the vehicle's sticker price, the cost to repair it, overall safety record, and the likelihood of theft. Many insurers offer discounts for features that reduce the risk of injuries or theft, such as daytime running lights and anti-theft devices. For more information, visit www.iihs.org.
3. Buy your auto and home policies from the same insurer
All of the carriers sell auto and homeowners insurance and provide multi-policy discounts.
4. Seek out other discounts
Some companies offer auto insurance discounts to you if you haven't had any accidents or moving violations for a certain number of years, or if you've taken a defensive driving course. If there's a young driver on your policy who's a good student or has taken a driver education course, you may also qualify for a lower premium.
5. Consider new home costs
Consider how much insuring your new home will cost. A newer built home's electrical, heating, and plumbing systems and overall structure are more likely to be in better shape than those of an older home. Insurers may offer you a discount if the home you purchase is relatively new.
6. Insure your house, not the land
The land under your home isn't at risk from theft, windstorm, fire, or other perils covered in your homeowners policy. Don't include that value in deciding how much homeowners insurance to buy.
7. Improve your home security
Often, you can get discounts for smoke detectors, burglar alarms, or deadbolt locks. Before you buy a security system, find out what kind your insurer recommends and how much you could save on your insurance premiums.
8. Maintain a good credit record
Establishing a solid credit history could cut your insurance costs. Insurers are increasingly using credit information to price auto and home insurance policies. Check your credit record on a regular basis and have any errors corrected promptly so that your record remains accurate.

 
 
 

You could save hundreds of dollars per year with these choices for your auto and home insurance.

Enjoy choice, flexibility, and savings with The Group Auto & Home Program for Idearc Employees & Retirees.