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  1. Low Deductibles - I see too many insurance prospects with deductibles $500 or lower. This potentially encourages more claims which may prevent you from receiving the best prices when you shop for insurance. Raise your deductible and experience some savings today, but much more over the life of your insurance policy ownership.
  2. Don't Pay on Time - If you regularly lapse your policy by not paying your premium on time you WILL pay more guaranteed. Set up auto draft or bill pay to avoid the extra fees and higher insurance rates.
  3. Don't Bundle with Your Home Insurance - I witness people every week who willingly pay their auto insurance company 15-35% more than they should have to for their insurance. I don't know about you, but I work hard for my paycheck and want to keep as much of it as possible. Bundle your insurance and SAVE tons over the life of your insurance policy ownership.
  4. Don't Drive Responsibly - If you consistently receive speeding tickets or other traffic violations you will pay more. Tickets prevent you from shopping to get the best rates keeping you paying more over time. SLOW DOWN it will save you money on your Auto Insurance.
  5. Don't Manage Your Credit - In Arizona your credit score plays a huge factor in your rates. Pay attention to your credit. Manage it every year, take care of issues that appear quickly, and work with a credit repair specialist if you have some serious credit problems. This will save you BIG DOLLARS over the life of your policy.
  6. Don't have the Right Coverage - Believe it or not, while most people want to pay as little as possible for their insurance, they most definitely want to be covered in an accident. So, not having the right coverage or waive valuable coverages on your policy could cost your THOUSANDS! You get what you pay for!
  7. Don't Work with an Independent Agent - Independent insurance agents work for you. We don't represent just one company so we're looking out for your best interest; looking for the best policy at the lowest possible prices. That's how you save money on your auto insurance over time.

Author Richard Morris

Richard Morris, an independent insurance agent in Chandler, Arizona, has been serving and helping Arizona families and businesses with all their insurance needs for over 24 years. Visit his website at to see all the ways he can help you with your insurance needs or call the office at (480) 336-2707 or toll-free at (888) 907-9349. Connect with Rich on Google+ and Twitter.

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