Get the Most Value Out of Your Auto Policy

What, where, why and how you drive all can affect the cost of your insurance. Here are some ways to help reduce your premium:

Keep your current car for a few extra years

The more your car is worth, the more it can cost to insure. So there’s a good chance your premium will rise if you replace a $20,000 trade-in with the latest $40,000 model. Driving an older car that’s less valuable can help keep your overall premium lower.

Drive safely

A clean driving record — no traffic violations or accidents — indicates that you’re a better risk, and can help you keep your insurance rate as low as possible.

Do research before buying a car

Some cars are less expensive to insure than others. Spend time evaluating different makes and models — considering overall safety and theft rates. If you’re considering several models and can’t decide, your Farmers agent can provide coverage rates so you can compare and make an informed decision.

Purchase multiple policies

You may qualify for discounts when you purchase multiple policies with Farmers—for instance, by combining your auto policy and a home policy.

Find additional discounts

Depending on the state you live in, you may be eligible for a number of discounts.

Consider your deductibles

A higher deductible can lower your monthly premium. Keep in mind, however, it would also mean paying more out-of-pocket in the case of a loss. Talk to your Farmers agent so you can choose the right balance for you.

Tom Upole is a master technician who runs a car service and repair center in northwest Maryland.

Even if your car seems to be running just fine, Upole says winter weather has a knack for finding the weak spots on cars.

Read the story: Winter Car Care Tips from One of the Snowiest, Coldest Places in the U.S.

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