SecureMotors

Premium Review checklist

17 steps to lower your car insurance costs safely and protect your car: check discounts, review your coverage choices, compare at renewal and add layers of theft protection.

Track your progress with a free accountGet the free Car Insurance Savings Checklist

Discounts

Ask; they aren't always automatic.

  • Ask your insurer which discounts you have now Guide
  • Ask which others you could qualify for Guide
  • Compare a bundle with separate policies Guide
  • Compare paying in full with monthly installments Guide
  • Decide whether a telematics program suits you Guide

Review your choices

Save where it's safe; keep what protects you.

  • Run the deductible break-even test Guide
  • On an older car, weigh collision cost against its value Guide
  • Confirm your liability and UM limits aren't too low Guide
  • Check your credit reports for errors Guide

At renewal

Once a year, and after big life changes.

  • Ask why your premium changed Guide
  • Compare quotes with identical coverage Guide
  • Re-shop when a ticket or accident drops off your record Guide

Secure the car

Layers make a car harder to steal.

  • Lock up, take the keys and hide valuables, every time Guide
  • Add a visible deterrent like a steering wheel lock Guide
  • Store keyless fobs away from doors, or in a blocking pouch Guide
  • Ask about catalytic converter protection for your model Guide
  • Save your VIN and plate number where you can find them Guide