Do you ever wish you could lower your insurance premiums? Do you feel like you’re paying too much? Speaking to an agent at Brazelton Insurance Group should be your first step in finding out if your premiums can be lowered. Here are two ways you can get lower rates on your policy and keep a little extra money in your pocket.

Eliminate Extra Fees

Find out if you’re paying extra for conveniences like monthly installment fees. Many carriers will charge you an installment fee of around $5 per month for monthly payments.

If you decide to pay your premiums in full, or extra money every month, installment fees will be lower or removed completely, if you pay in full.

Many people choose to set up electronic funds transfer (EFT) which can reduce or eliminate fees as well.

Go Green! Choose to receive your statements electronically which can also eliminate extra fees.

Check Your Credit Score

Your credit score can play a significant role in your premium calculations. Some companies will even refuse to write a policy for someone with poor credit, and existing policyholders may see premium increases at renewal or even policy cancellation notices for a worsened credit rating.

Avoid Small Claims

Making a claim for minor damage can affect your premiums. It is suggested that small incidents should not be claimed if the damage is not significant in order to avoid premiums increasing.


No one likes a speeding ticket and these can significantly increase your premiums. While everyone seems to be in a hurry these days, it is important to follow speed limits and make sure you are not getting tickets that will increase your premiums.

Let Brazelton Insurance Group help you lower your premiums and look over your current policy.