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Auto insurance protects you against financial loss if you have an accident.

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Homeowners Insurance HOME

A standard policy insures the home itself and the things you keep in it.

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Finding insurance doesn't have to be difficult. We do the work for you.

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Discover the perfect insurance options to meet your specific and unique needs.

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Umbrella Insurance UMBRELLA

Different umbrella coverage options that fit your specific needs.

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Life Insurance LIFE

Browse a variety of insurance options in order to find the right one for you.

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There are several ways to reduce your insurance premiums, and by implementing these methods you can save yourself thousands a year.


By installing the following security measures, you are reducing the risk of loss, and will result in reducing your monthly premiums.

  • Burglar bars
  • Alarm System and Armed Response
  • Security Gates
  • Motor Vehicle
  • Alarm, Immobilizer or Gear Lock
  • Satellite Tracking System

No-Claim Bonus

Your monthly premiums are directly related to your number of claims you submit. The less claims you submit, the lower the premiums. Most insurance companies offer a discount on household and car insurance if no claims have been submitted. Policyholders can earn such a bonus on the basis of a claim-free history.

Specified Items

Most Insurance Companies require you to insure specific items in your policy i.e. - jewelry, glasses, cell phones etc. Make sure that if you no longer own these items, that you have them removed from your policy. There's no point paying cover for something you don't own anymore.


Most claims are subject to an excess which is stipulated in your policy. If you opt for a higher excess, your monthly premiums will be less. In an average policy the excess is usually between 750 and 1000. If you make your excess 2000, you will also protect your no-claim bonus, by not claiming for small amounts during the year, which will result in your premiums being lowered the following year.

Market Value

The replacement value of goods, increases all the time. The only exception is Motor Vehicles. Make sure your car is only insured at the market value. A car you bought 5 years ago will not have the same market value today. So check with your broker or insurance company that you are only paying for the market value and that it is reduced on an annual basis. 

Call us at 888-724-2086 for more money saving tips or to have us reshop your Carlsbad insurance quote.
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