When we talk about lower cost or lower premium, we are referring to the amount we need to pay for coverage. If you want to reduce this amount without making changes to your coverage, such as limits, vehicles, or deductibles, the best way is to earn a larger claim-free discount.
At Bear River Mutual, we highly value customers who rarely make claims, and we provide discounts that increase over time as you continue to maintain a low claims frequency. Earning a larger claim-free discount is a great way to lower your insurance costs while still maintaining the same level of coverage.
It's important to note that not every claim will affect your claim-free discount, so it's best to check with your agent for specific details. However, if your discount is reduced, it may feel like your rate has increased. On the other hand, earning a larger discount will make it feel like you have a lower rate because it reduces the amount you need to pay.
To explore other ways to earn discounts, including bundling your policies like homeowners insurance, please consult your agent. They can provide you with more information and help you find additional ways to save on your insurance costs.
We understand the importance of finding ways to save on your car insurance expenses. Our team is here to support you in identifying the best strategies for lowering your costs while still maintaining the coverage you need. Don't hesitate to reach out to your agent for personalized advice and assistance.