Saving money on insurance doesn’t mean slashing your coverage. In fact, many clients are surprised at how much they can save just by optimizing their policies—not downgrading them.
Here are 5 ways to reduce premiums without exposing yourself to big financial risks:
1. Bundle Your Policies
Auto + home + umbrella = big discounts. Carriers reward customers who bring more than one policy to the table.
2. Raise Your Deductible (Strategically)
Raising your deductible can lower your monthly premium—but it only makes sense if you can comfortably afford the out-of-pocket cost in an emergency.
3. Ask About Low-Mileage or Telematics Discounts
Drive less than 10,000 miles a year? Some insurers offer low-mileage discounts. Others offer plug-in or mobile tracking apps that reward safe drivers.
4. Pay in Full or Set Up Auto-Pay
Many carriers give a price break for paying annually or setting up automatic payments.
5. Work with an Independent Agent (Like Us!)
We shop multiple carriers—not just one—to find discounts and packages others might miss. Plus, we’ll tell you when it’s worth switching… and when it’s smarter to stay.
The Bottom Line:
Insurance is about value, not just price. At Les Palcsik Insurance Agency, we’ll help you get maximum protection with minimum waste—so you keep more money in your pocket without sacrificing peace of mind.