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10 Ways to Save on Auto Insurance

Auto insurance may be a necessary expense for drivers – it protects you against financial loss if you have an accident and it's required by law in nearly every state – but it is not a static one. There are steps you can take to reduce the cost without sacrificing coverage.

  1. Raise your deductibles. A deductible is the amount you pay before your insurance coverage kicks in, and the higher the deductible, the lower the premium. If you can afford to increase your deductible from $200 to $500, you could cut your premium by 15% to 30%, according to the Insurance Information Institute.  
  2. Comparison shop. The cost of insurance varies widely from company to company, so obtain quotes from at least three insurers before deciding on the best deal. And remember to consider customer service; quick response times and friendly assistance will be important if you need to file a claim.  
  3. Drive less. If you drive fewer miles than the average person per year, you may qualify for a low-mileage discount. Carpooling to work can help.  
  4. Maintain good credit. Your credit rating can have a direct impact on your insurance rate – statistics show that those with strong credit histories make safer drivers – so it pays to improve your score.
  5. Drive safely. A clean driving record (no accidents or moving violations over the past few years) may qualify you for a discount. Completing a driver safety course may also reduce insurance costs.  
  6. Buy in bulk. Many insurers will reward you with a multi-policy discount for purchasing your homeowners and auto insurance from the same company. Insuring several vehicles may also qualify for the discount.  
  7. Choose the appropriate coverage. Too much or too little coverage can be costly, but an insurance representative can help you determine the right amounts based on your vehicle and financial situation.  
  8. Car shop wisely. Before you sign on the dotted line, estimate the cost to insure the vehicle you're buying. The car's price, cost of repairs, overall safety record and likelihood of theft help determine your premium. Talk to one of our insurance representatives for a quote.  
  9. Ask about additional discounts. Insurers may reduce the cost of your coverage if you are age 50 or older, are a student with good grades, are a long-time customer, or if the vehicle is equipped with an anti-theft device or safety features.  
  10. Inquire about group rates. Investigate whether you're eligible for discounted group auto insurance rates through your employer or other professional, business or alumni group to which you belong.

  • SCCU Routing Number: 263177903

Space Coast Credit Union membership is open to all who work or live in Brevard, Broward, Flagler, Indian River, Martin, Miami-Dade, Monroe, Orange, Osceola, Palm Beach, Seminole, St. Johns, St. Lucie, or Volusia Counties in Florida.

  • Brevard: 321-752-2222
  • Broward: 954-704-5000
  • Miami-Dade: 305-882-5000
  • All Other Areas: 800-447-7228

*APR = Annual Percentage Rate. ^APY = Annual Percentage Yield.

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Member Rewards is an exclusive Space Coast Credit Union program that provides benefits such as free or discounted services based on your level of participation in the credit union.

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