How to Lower Your Home and Auto Insurance Rates (Without Sacrificing Coverage)

At Griffin Owens Insurance Group, we work with dozens of trusted insurance carriers to help you find the right coverage at the right price.

Here are seven ways you can take control of your insurance costs, starting today:

1. Bundle Your Insurance Policies

Bundling your home and auto insurance with the same company is one of the simplest ways to save.

Why it works:
Depending on the insurance company, multi-policy discounts can reduce your total premiums by as much as 20%.

Tip: Even if you’re currently using different carriers for your home and auto insurance, we can help you compare bundled options from multiple companies and find the combo that makes sense for you.

2. Raise Your Deductibles (If It Makes Sense)

A higher deductible usually means a lower monthly premium. However, make sure your deductible is an amount you can comfortably cover in an emergency.

Raising deductibles can be especially helpful for car insurance, such as collision or comprehensive auto coverage, or home policies that include coverage for wind or hail damage.

3. Review Your Coverage Every Year

Life moves fast. Your insurance should keep up.

If you’ve renovated your home, added safety features, paid off a loan, or even changed vehicles, your policy may be out of sync, and you could be missing discounts you qualify for.

If you’re unsure whether you’re paying for outdated coverage, you can schedule an annual policy review with us. We’re here to help.

4. Upgrade Home Safety and Security

Enhancing your home's safety can lead to serious savings.

Insurance companies may offer potential discounts for:

• Installing a monitored alarm system
• Water sensors
• Adding fire/smoke detectors
• Replacing your roof
• Upgrading electrical or plumbing systems
• Back-up power generator
• Back-up on sump pumps
• Outdoor cameras
• Temperature monitoring
• Automatic water shut-off

5. Drive Smart and Safe

Many insurers offer usage-based insurance programs that reward safe driving habits. You may also have heard these usage-based programs referred to as telematic programs.

If you’re a safe driver and follow safe driving standards, you may experience:

• Discounts for low mileage
• Savings for smooth braking and speed consistency
• Mobile apps to track your driving behavior
• Safe driving doesn’t just keep you safe; it also keeps your claims history clean and your premiums low.

6. Keep Your Credit Score in Good Shape

In many states, your credit score plays a role in calculating your insurance premiums. Maintaining a good score can work in your favor! Here are some small steps that can help improve your credit score (and potentially your insurance premiums):

• Pay bills on time
• Keep credit card balances low
• Monitor your credit report regularly

7. Work with an Independent Insurance Agency

This is where our agency, Griffin Owens Insurance, brings extra value to the table.

As an independent agency, we’re not tied to just one insurance company. We partner with dozens of top-rated carriers to help you:

• Compare quotes side by side
• Spot hidden discounts
• Customize your coverage to match your life
• In short, we shop the market so you don’t have to.

Ready to Save on Your Home & Auto Insurance?

We’re here to help you protect what matters without overpaying. Whether you’re shopping for new coverage or reviewing your current plan, Griffin Owens Insurance can help you:

• Maximize your savings
• Simplify your policies
• Gain confidence in your coverage

When you want to review your current policies, explore or options, or find potential discounts, we’re here. Let’s get in touch!