Home Insurance
| Adopt and practice risk management strategies for your home. |
Auto Insurance
| Build a collision-free and conviction-free driving record. - Shop around and compare policies
- Adjust how you use your car by taking public transit to work if it is available.
- Exclude high-risk drivers from your policy so that if you are a good driver, you are not penalized with a higher premium.
- Ensure that an accurate VIN is on record with your insurer for your vehicle.
- Drop collision coverage on an older car.
- Install an immobilizer – an approved theft deterrent system – in your vehicle.
- Consider a telematics device. Also known as usage-based insurance (UBI) or pay-as-you-drive, this is a new way to administer insurance and calculate premiums.
- Buy a car with a lower-cost insurance rating – understand How Cars Measure Up.
- Avoid buying a flood-damaged vehicle. IBC’s VIN Verify Service can help.
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Business Insurance
| Adopt and practice risk management strategies for your business. |
All Types of Property and Casualty Insurance
| Request a bundled deal for insuring your car(s) and home, or multiple lines of business risk with the same insurance company. - Increase your deductible by taking on a greater share of the cost of a claim.
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