Money Saving Tips
Smart ways to save money on Auto, Homeowners, and Business Insurance — straight from the trenches at Advice Insurance Agency.
Auto Insurance Tips
Changed jobs and driving less? Your daily commute plays a big role in how your rate is calculated. If you've moved closer to work or started working remotely, let us know. You may qualify for a lower premium based on your reduced mileage.
Just got married? I won’t hold it against you for not sending an invite — but married drivers pay less than singles. Let me know when you tie the knot and we’ll apply that discount!
Eligible for a group discount? Ask AdviceAI to see if your profession or organization qualifies. Some occupations can unlock significant discounts you might not know about.
Multiple vehicles in the household? Combine them under one policy. A multi-car discount is applied to each car — that’s a win-win every month.
Student in the house? Good grades pay off — literally. A good student discount could save hundreds per year, so let us know if there’s an honor roll superstar under your roof.
Homeowners Insurance Tips
Avoid small claims. Filing a $500 claim might feel right in the moment, but it could cost you thousands over the next 3 years in premium increases. Save your insurance for major losses — generally $3,000 and up.
Bundle home and auto coverage. This can lead to major savings — often hundreds per year — and it's one of the easiest discounts to apply.
Add a water detection device. These smart sensors can alert you to leaks before they cause major damage. Not only can this save your house, but many carriers offer discounts for proactive protection.
Alarm systems matter. Burglar and fire alarms can reduce your premium and give you peace of mind. Discounts vary by company — ask us for details.
Consider trimming optional coverages. You may save significantly by choosing a higher deductible and eliminating extras you don’t need. It’s a balance between risk and cost — we can walk you through it.
Business Insurance Tips
Only pay for what you need. Many small business owners are unknowingly overinsured. We’ll help you evaluate your coverage so you’re protected — without paying for fluff you’ll never use.
Bundle General Liability and Commercial Auto. If you need both, ask about combined policy savings. It can simplify your billing and reduce your premiums.
Clean loss history = better rates. Keep accurate records, follow safety protocols, and avoid small nuisance claims. A good track record earns serious savings when it’s time to renew or switch carriers.