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Important Facts

6 Ways to Lower Your Insurance Premium


  • 1. Combine Personal & Commercial auto

    If you own business-use vehicles and personal use vehicles, combing coverage in a single policy could save you money and provide higher coverage for all vehicles.

  • 2. Increase your deductible

    You can lower your monthly payment by agreeing to pay more out of pocket in the event of a loss.

  • 3. Pay your premium in full

    Avoid paying installment fees and charges by paying your insurance in one lump sum.

  • 4. Use Automatic payment feature

    Most insurance policies offer EFT (electronic funds transfer) payments which enables you to save on installment fees, let alone the convenience of not having to worry about mailing payments.

  • 5. Take a defensive driving, RV safety, or senior operator course

    If you lower your risk of an accident, we will lower your monthly payments.

  • 6. Quote all your family vehicles and earn multi-car discounts of up to 20%

    If you insure all of your vehicles, RVs, and motorcycles with Hammer Insurance we will give you discounted rates of 20% or more.

Mistakes Made When Buying Auto Insurance

  • 1. Shopping for the Lowest Price Available

    You get what you pay for; so compare not only price, consider policy features as well. Not all auto insurance companies offer enhanced benefits; for instance, Some companies offer superior claims handling, customer service guarantees, and roadside assistance. Consider all of the benefits included to determine the true value you're receiving.

  • 2. Underestimating the Value of Original Parts

    When your car was built, manufacturers carefully selected each part. If your car needs repairs, would you like for the replacement parts to be less carefully selected? Be sure that your auto insurance company uses genuine Original replacement parts in collision repairs after accidents. Many companies use less expensive, after-market parts that may decrease the value of your car, affect its appearance and/or jeopardize the warranty.

  • 3. Having Insufficient Liability Coverage

    Liability insurance helps protect you and your assets if you cause an injury to others or damage the property of others with your vehicle. However, if you choose lower liability limits an accident that causes serious injury could result in medical expenses and lost wages that far exceed your coverage, leaving you financially exposed. Make sure you’re fully protected.

  • 4. Missing Out on Potential Discounts

    There are many discounts available—for instance: low-mileage driving, multiple car, anti-theft devices, & many more. Be sure to ask which discounts are available to you.