Why is my auto insurance premium increasing?

There are several effective strategies to lower your auto insurance premium, many of

which can be implemented quickly or during your next policy renewal.

1. Ask for Discounts

• Contact me and ask about available discounts. Typical discounts include bundling auto

and home policies, safe driver rewards, good student discounts, paying your premium in

full, enrolling in autopay, going paperless, and more.

2. Bundle Policies

• Insuring your car along with your home, renters, or other policies with the same

provider can lead to significant savings, often up to 25%.

3. Shop Around

• Compare quotes from multiple insurers. Rates and discounts can vary widely between

companies, so shopping around can uncover better deals. An independent agency like

Dehmer will shop for you.

4. Increase Your Deductible

• Raising your deductible (the out-of-pocket amount you pay before insurance kicks in)

typically lowers your monthly premium. Just ensure you can afford the higher deductible

if you need to file a claim.

5. Reduce Unnecessary Coverage

• If your car is older or has high mileage, consider dropping collision or comprehensive

coverage, keeping only the state-required minimum liability coverage.

6. Take a Defensive Driving Course

• Completing an accredited defensive driving course can earn you a discount, especially

if you are a teen, senior, or have a recent violation.

7. Use Usage-Based or Telematics Programs

• Many insurers offer discounts if you enroll in a program that monitors your driving

habits via an app or device. Safe driving can lead to substantial savings, though you’ll

need to be comfortable with sharing your driving data.

8. Maintain a Good Driving Record

• Avoiding accidents and traffic violations is one of the most effective ways to keep your

premium low over time.

9. Improve Your Credit Score

• In many states, insurers use credit-based insurance scores to set premiums.

Maintaining good credit can help lower your rates.

10. Drive Less

• If you drive fewer miles annually, you may qualify for a low-mileage discount.

11. Choose a Car with Safety Features

• Cars equipped with safety and anti-theft features (like airbags, anti-lock brakes, and

alarms) often qualify for lower premiums.

12. Work with an Independent Agent

• Independent agents like our Dehmer team can compare policies from multiple insurers

to find you the best rate and coverage for your needs.

Steele Dehmer of Guckstadt is the Agency Owner at Dehmer Insurance Agency in

Madison.