Saving money has become an art form. Consumers clip coupons to save a few cents on groceries, wait until sales to make any other type of purchase, and even scan the online local exchanges looking for furniture and housewares. It’s true that Long Islanders are a thrifty group. We are too! Grillo & Associates advocates for our clients, that is, we tailor your policies and coverages to both your needs and your budget. As the cost of driving as well as the price of a gallon of gasoline steadily increases, we offer these tips so that our clients can receive maximum benefit for their Long Island car insurance dollars.

  1. Do you qualify for car insurance discounts? Some insurance carriers offer a range of discounts for their policyholders. For example, their criteria can include if your vehicle is new, or if you are the car’s first owner. There are other carriers who discount drivers whose vehicles have anti-theft devices, as well as other safety options. Some insurers reward drivers with low mileage. Other ways to lower premiums include membership in professional or business organizations, being a retiree, or being over the age of 65, there may even be loyalty discounts offered by carriers if you have been insured through that company for a number of years.
  2. The art of the bundle. It may be possible to obtain a discount on your insurance if you purchase more than one policy through the same insurance company. An example would be home and auto insurance. As an added plus, should you have to make a claim, it is convenient to have your policies residing in one place.
  3. Take a defensive driving course. This is a time-honored way to reduce the cost of your policy. It will make you a safer driver, as well, and to minimize the likelihood of an accident. That in itself is a win! Some drivers may be able to reduce the number of points on their license, so it is well-worth looking into.
  4. Work from home. Speak with your employer about the possibility of working from home instead of at the office. Even if a hybrid work arrangement is offered, that will still save wear and tear on your car, you’ll use less gasoline, and possibly qualify for a discount on your car insurance if your annual mileage is lower.

We saved the best tip for last: Contact Grillo & Associates to schedule your confidential consultation. Thousands of clients rely on our team to ensure that we provide optimal coverage to meet both their personal, family, and/or business needs as well as their budget. We’d like to meet with you to review your existing policy to locate any coverages you do not need. For example, you may not require roadside assistance (if you drive a car that is under warranty this coverage may already be included), and/or car rental coverage. Let’s go over your policy line-by-line, so you can think about removing anything you are paying for, but do not need. When you need to insure one vehicle or a fleet, come to the Long Island car insurance experts, Grillo & Associates. Call today!