Our partnerships with various reputable carriers also allows us to help clients seek multiple car insurance discounts to make auto insurance that much more affordable. Discounts you may qualify for include:
Multi-Policy Discount: This is probably one of the easiest car insurance discounts to take advantage of and will provide you with convenience in your daily life. To qualify for this discount, all you have to do is bundle your policies so that they are all held with one insurer. Since you will only have one insurance agent by doing this, you will only need to review one statement, pay one bill, and discuss your coverage with one person.
Multi-Car Discount: You can also receive a substantial car insurance discount if you have multiple cars under one policy. This is because the risk is distributed amongst your cars, meaning less expensive auto insurance.
Good Driver Discount: In California, this discount is automatically offered to any motorist who maintains a squeaky clean driving record for three consecutive years. This means that you cannot get in any accidents or receive any traffic violations during this time.
Good Student Discount: If you are insuring a teen driver, you know how expensive this can be. Since your inexperienced driver is faced with more risks on the road, your premium will increase when you add them to your policy. However, you can receive a little break by encouraging your teen driver to maintain a grade point average of 3.0.
Vehicle Equipment Discount: Some insurance companies will offer auto insurance discounts to motorists who enhance safety on the roads by installing extra safety features, such as an anti-theft system, daytime running lights, and an anti-lock brake system.
CIVIL SERVICE EMPLOYEES DISCOUNTS
Payton Insurance Agency offers California CSE Auto and Homeowners insurance to protect your home and family from unexpected hardships. CSE Insurance is dedicated to serving the people who serve the people, we provide civil service workers with significant discounts and programs that are unavailable to the public at large.
At Payton Insurance Agency our staff is dedicated to providing professional, courteous, and fast service to our dedicated law enforcement, educators, firefighters, Science, Engineering and Mathematics Degree and military personnel.
You chose to serve people so let us say thank you by offering you discount auto, homeowners, and renters insurance.
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REDUCE YOUR HOMEOWNERS COSTS
Insurance companies determine risk for homeowners insurance by weighing factors such as the type of home (some newer homes have safer materials) and the area in which a home is located, to name a few. Read the following information to learn more about factors that affect your homeowners insurance costs.
Raise Your Deductible
Raising your deductible means that you are willing to pay more if something happens. Raising your deductible can save up to 20% of your monthly homeowners insurance premium. Just be prepared to shell out IF you do need to use your insurance policy.
Call your Mercury Home Insurance agent to see if your plan offers a reduced rate for installing a security alarm.
Install Safety Features
If you have an older property you may not have built in smoke or CO2 sensors. Check with your provider to see if they will provide a discount if you install them. The cost of installation may be offset by the discount offered.
Review Your Riders
Sit down with your CA Mercury Homeowners Insurance agent and go over each of the riders on your policy. Things change and you may not need to carry the same riders any more. If you have sold off your jewelry or downgraded your electronics, then that may be a rider you can remove or maybe you are just willing to replace them out-of-pocket if something does happen to them.
Ask for Discounts
If you don’t ask, you may never know they were there. A lot of Insurance companies offer discounts for multiple policies, seniors, non-smokers, or even discounts because you’ve been claim-free. It never hurts to ask, you may even find that your company has a deal with the Insurance provider.
Some basic improvements, such as putting on a stronger roof or installing sump pumps could also get you a discount in some areas. A lot of it would depend if your area is prone to disasters.
REDUCE YOUR AUTO INSURANCE COSTS
Report Annual Miles
Passive Restraint Device
Good Student: Full- time high school, college or university students (minimum of 12 units per term)
Good Driver Plus: no violations or accidents
Mature Driver: Senior Drivers Welcome
Multi-Policy: Have us take care of your homeowners policy for greater savings
Looking for affordable California auto and homeowners insurance? We aim to answer all your questions and give you the freedom to compare quotes and choose the right policy for you and your family.