Next to your home, your automobile is often the most expensive piece of property you own. As a result, it is important to seek the best value when buying your insurance. To ensure that you have the proper protection, there are a number of ways that you can reduce the cost of your auto insurance premiums while obtaining the coverage that you need, including:


Choosing higher deductibles for collision and comprehensive coverage is an easy and cost-effective way to lower your auto insurance bill. In many cases, the premium savings realized by switching to a higher deductible may be enough to offset the cost difference of an increased deductible in just a few years.

Discounts & Credits

Multi-policy– By insuring your auto and home with A&W Insurance, you may be eligible for a discount on your auto premium as well as your homeowners’ insurance premium.
Multi-car – If you insure two or more cars with A&W Insurance and they are owned and used by the individual and/or relatives living in the same house, you may be eligible for a discount.

Driver-Related Discounts

Good drivers who have no accidents or violations receive the most competitive rates, but there are other factors that can reduce your premiums even further, including:

  • Driver training – If you have a young driver (under age 21) insured who has completed an accredited driver-training course, you may be eligible for a premium discount.
  • College student – Young, unmarried, full-time college students who spend most of the college term away from home without the use of an auto may be eligible for a discount.
  • Age 55 & older – Cars driven primarily by an insured who is 55 and may be eligible for a discount on the bodily injury, property damage, medical payments, personal injury protection, comprehensive and collision premiums.
  • Accident prevention course – If the principle operator is age 55, you may be eligible for an additional discount if you voluntarily and successfully complete an approved motor vehicle accident prevention course.

Vehicle-Related Discounts

You can save even more money on your auto insurance by choosing a vehicle with the following safety equipment:

  • Passive Restraints – If your vehicle is equipped with factory-installed automatic seat belts or air bags, you may be eligible to receive a discount on the medical payments or personal injury protection portion of your premium.
  • Anti-Theft Devices – You may be eligible for a discount on the comprehensive portion of your premium if your vehicle has active or passive anti-theft devices.

Contact Us

If you are interested in obtaining more information or an auto insurance quote, contact us.

You can also fill out our online Request a Quote.