Their premiums often are higher. If you are offered coverage through a county mutual or nonstandard company, ask why you are considered a higher risk than drivers in companies that offer lower rates. Different companies charge different rates. Get quotes from several companies before you buy. Independent agents may represent several companies, while some agents represent only a single company or company group.
Some companies market their policies directly to consumers without using agents.
Deductibles You can save money on your premiums by increasing your policy deductibles. Discounts Can Save You Money You may qualify for discounts on your rates. Discounts are mandatory for having two or more qualifying cars on the same policy completing a defensive driving, driver education, or drug and alcohol driving awareness course having an automobile with airbags, automatic seatbelts, or certain anti-theft devices. The amount of the discount is set by the Commissioner of Insurance for rate-regulated companies. County mutual companies are not required to offer these discounts.