When you have a claim, you realize that it is more important to be properly insured than to save a couple dollars.

Are Insurance Costs Too High

Here are a few tips from North Creek that might help:

  • Bundle your policies. Most insurance carriers give a discount for having both your home and auto policies.
  • Take a defensive driving class to reduce your auto premium. If you take this class, you will see a 10% discount off the collision, liability, and personal injury protection premiums on your policy, especially if you have a new driver in your family. This is a great way to save money if you have a newer model vehicle.
  • Impress upon the drivers in your household the importance of not texting or talking on their cell phone. A new law passed in the last legislative session increases the points on your license from 3 points to 5 points for a texting or cell phone violation. Points on your motor vehicle record substantially increase your auto insurance premium.
  • If you have updated your home heating system, wiring, plumbing or replaced your roof, be sure you inform us.

These improvements can result in a credit on your Homeowners insurance.

These are a few examples of ways to help reduce your insurance costs. Contact us to see if any of these discounts apply to your policy. We will be more than happy to go over your policy with you.

Gretchen Kirby

Branch Manager at Merriam Insurance Agency
295 Main Street
North Creek, New York 12853

(518) 251-5839 Direct

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Gretchen Kirby

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