8 ways to help lower your Auto insurance premiums in McKinney, Frisco, Plano, and Allen, TX communities.

1. Higher deductibles - Deductibles represent the amount of money you pay before you make a claim. By requesting higher deductibles on collision and comprehensive coverage, you can lower your costs substantially. For example, Farmers has one of the broadest ranges of deductibles for consumers who want even more choices and savings.
2. Get all your insurance from one company - Keeping your insurance at one company may make you eligible for multiple policy discounts. 
3. Automatic seat belt or air bag discounts - You may be able to take advantage of discounts on some coverage if you have automatic seat belts and/or air bags.
4. Low mileage discounts - Some companies offer discounts to motorists who drive fewer than a predetermined number of miles a year.
5. Anti-lock brakes - Anti-lock brakes improve steering control and stability when a car is brought to a stop, thus reducing accidents.
6. Drop collision and/or comprehensive coverages on older cars - It may not be cost effective to have collision or comprehensive coverage on cars worth less than $1,000 because any claim you make would not substantially exceed annual cost and deductible amounts. Auto dealers and banks can tell you the worth of cars.
7. Buy a "low profile" car - Before you buy a new or used car, check into insurance costs.  Cars that are expensive to repair, or that are a favorite target for thieves, have much higher insurance costs. 
8. Ask about discounts for:  
   1. No accidents in three years
   2. Drivers over 50 years of age
   3. Driver training courses
   4. Good grades for students 

Purchasing Auto insurance in the McKinney area shouldn't be a difficult decision. As your personal Farmers agent, I will help you understand the ins-and-outs of Auto insurance so you can choose the right type of coverage for your needs. Remember, there is more to insurance than just price. Farmers also has a plenty of discounts. Our multi-line discount is just one way to save on the cost of Auto insurance by having several policies with Farmers. 

As a customer of Farmers, you'll not only receive the personal care and service of your agent, but also our award-winning HelpPoint® claims service. Call (800) HelpPoint - (800) 435-7764 - 24 hours a day, seven days a week to report a claim.