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Raise your deductible	Your "deductible" is the amount you pay when you make a claim before your insurance "kicks in". In other words, if you have a $1,000 claim and a $250 deductible, you pay the first $250 and your insurance company pays the next $750. Find out what kind of annual savings you will realize be increasing your deductible. Lets say you save $100.00 by increasing your collision deductible from $250.00 to $500.00. This means that the rate for an additional $250.00 in coverage per year comes to $100.00. You would never pay $100.00 for $250.00 of insurance!
Drop your collision and/or comprehensive coverage on older vehicles	Sometimes it’s just not worth paying for these kinds of insurance if your car is not worth that much to begin with. That’s because the amount you pay for the deductible plus the amount you pay for the premium may not be more than the value of the car itself. If you are not sure what your old vehicle is worth, your insurance agent can provide a rough idea. Hahn Agency provides this service to our customers all the time.
Buy a "lower profile" vehicle.	Part of what determines the cost of insurance is the kind of car you own. Some cars are favorite cars for thieves. Some cars are more expensive to repair. Generally, these cars will cost more to insure. Automobiles are assigned insurance rating "symbols" which determine how much, (or how little), you will pay for comprehensive and collision coverage. Hahn Agency routinely provides quotations on vehicles before our customer buys so they know the "true" cost of the new vehicle.
Take full advantage of low mileage discounts.	Some insurance companies give discounts to people who drives less than a pre-determined number of miles each year. Ask me about which companies are currently offering this discount in our area.
When you move, consider the cost of insurance.	The cost of insurance varies from place to place, even right here in our community. When you’re thinking of moving, give us a call and we will tell you about possible difference in insurance costs.
Automatic seat belt, air bag, Anti-lock brakes, and alarm discounts.	You will save money on your insurance if you have automatic seat belts, air bags, anti-lock brakes, or an alarm.
Multi-account discounts	ALL insurance companies will offer a discount on the auto policy if they also write the homeowner's insurance. One of our companies gives a 20% discount!
Good student discount	Make sure you are getting the credit you deserve if your Son or Daughter is a good student. Usually B or better). The savings are considerable.
Consider dropping your towing and rental reimbursement coverage.	On multi-vehicle policies, the cost for this coverage can be as high as $60.00 a year. If you are a member of a motor club, you definitely do not need the towing coverage.
If you are over age 55, take the Illinois Defensive Driving course.	Your liability premium will be reduced by 10%!

Each Insurance Company applies these credits differently. This list is merely an overview of common ways to reduce your premium.

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