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Many people believe the most important thing about insurance is to pay as little as possible. You can actually pay too much for insurance and still be underinsured or not have the correct insurance that you actually need.  At Marshall Young Insurance we pride ourselves in providing the best rate and the right coverage.

Saving on insurance and finding discounts you are eligible for can be both easy and complicated.  Contact us so we can do a complete review of your insurance needs.  If it is important to you, it’s important to us, so we offer a wide variety of insurance products, services, and carriers to meet your specific needs.  Our staff has the knowledge and expertise to find you all the available discounts and low insurance rates you deserve.  As independent agents, we represent several companies that will compete for your business.  Let us do the shopping for you!

Ask About Discounts

Most insurance companies offer discounts that you may be eligible for.  You can save hundreds and even thousands of dollars with the right insurance discounts, so be sure to bring us all of your insurance needs to we can work to get you discounts on all of your polices.  Companies typically give discounts for the following:

  • Multiple Cars
  • Multi Policy
  • Good student and safe driver discounts
  • Alarms and Lojack
  • Renewal discounts
  • New home
  • Being loss free
  • Years of experience
  • Professional designations
  • Occupational and affinity group memberships

Choose the Appropriate Limits (Don’t Under-Insure)

Don’t underestimate repair costs and jury awards.  Saving a few dollars up front could cost you a significant amount of money in the event of a loss if you are liable for a verdict or jury award over your coverage limit.  With most carriers, rates for higher limits are lower than rates for state minimums.

Don’t Over-Insure

Choose only the coverage you need.

Select the Right Deductible

By selecting a higher deductible , you can significantly reduce your premium.

Safety Devices, Safety Classes, Security Credits

Installing Safety and protective devices such as auto alarms, burglar alarms, fire alarms, fire sprinklers, deadbolts, fire extinguishers, and the like can reduce your premium as well as things such as having a home in a gated community, part of an association, or having a watch guard on duty may help reduce your premiums with certain companies.

Save on boat and auto insurance by taking a safety course. If you are a young or senior driver, these courses may reduce your premiums.

Long-term Policyholder

Some carriers offer rate discounts for staying with them for three years, five years, or longer.

Auto Insurance – The Comprehensive / Collision Coverage Question

Without comprehensive coverage, you will not be paid for fire, theft, vandalism, or other losses that are out of your control. Collision coverage protects you in case of damage caused by you or unknown persons. That said, there comes a time when the car is old and it gets harder to justify the potential return on your premium.

Uninsured Motorist Coverage

This is an important money saver in the event you are the victim of a hit-and-run or are hit by a driver without insurance.

Towing and Replacement Vehicles

Following an accident, without this coverage, you may have to pay out-of-pocket to tow your vehicle or rent a replacement car.

Young Driver Savings

If you have or are a young driver, the best thing you can do is have a good GPA (3.0+), qualifying you for a good student discount. Safety programs also can lower your rate. Check out Teensurance from Safeco. It’s a great new product that can save you 15% on your insurance.

Excess Liability (Umbrella)

This is economical coverage that picks up where your auto (and homeowner) liability leaves off. It can save huge amounts in the event of a large judgment against you.

Optional Coverages Can Save You Big Money

Ask about replacement cost, GAP to protect your loan or lease, mechanical breakdown (extended warranty), identity theft, rental reimbursement, and roadside assistance. All these can be 50-60% less when added to your policy compared to what you would pay at the dealer or club!

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