How to Maximize Your Insurance Savings This Year

Smart ways to lower your premium without cutting the coverage you need.

If you’ve noticed your insurance rates rising lately, you’re not alone. Between inflation, repair costs, and higher claim frequency across the country, premiums have increased for many drivers and homeowners.

The good news? There are still plenty of ways to save — and many of them don’t require reducing your protection. At Cushman Insurance, we help clients find savings every day by reviewing policies, uncovering discounts, and making sure coverage matches real-life needs.

Here’s how to maximize your insurance savings this year.

1. Bundle Your Policies (One of the Biggest Savings Opportunities)

Bundling is one of the easiest and most impactful ways to reduce your insurance costs — and it’s often available even if you’re not changing coverage.

Common bundle options include:

• Auto + Home

• Auto + Renters

• Auto + Condo
  

In many cases, bundling can unlock discounts across multiple policies and simplify your coverage (one agent, one account, fewer moving parts).

Savings tip: If you currently have auto and home insurance with two different companies, it’s worth pricing out a bundled option — even if you’re happy with both providers.

2. Ask About “Good Driver” Programs

Many carriers now offer optional programs that reward safe driving habits. These can lead to meaningful savings over time.

Examples may include:

• Discounts for safe driving patterns (speed, braking, mileage, etc.)

• Low-mileage programs for those who drive less
  

If you’re a cautious driver, a “good driver program” may significantly reduce your premium — especially if you’re currently paying higher-than-expected rates.

Savings tip: If you recently started working remotely and drive less, you may qualify for lower-rate options.

3. Keep Your Driving Record Clean (and Review What’s on It)

It’s no secret that tickets and accidents can raise your auto insurance. But what many drivers don’t realize is that:

• Some incidents may be impacting your policy longer than expected

• It’s possible your policy information isn’t fully up to date

• A clean record may qualify you for additional “preferred driver” discounts

  
  

Savings tip: Ask your agent to review your policy renewal and confirm your driver info, mileage, and vehicle details are accurate.

4. Take Advantage of Student Discounts (and “Good Student” Programs)

If you have a teen or college-age driver on your policy, don’t miss this one.

Many carriers offer:

• Good student discounts (often based on GPA or honor roll)

• Discounts for students away at school without a vehicle

• Student driver safety program discounts
  

Savings tip: Even if your student has been on your policy for a year, discounts can change — it’s worth checking at renewal.

5. Ask About Professional, Membership, and Group Discounts

Depending on your carrier, you may qualify for discounts through:

• Employer programs

• Alumni associations

• Professional organizations

• Affinity groups
  

These aren’t always automatically applied — and they can sometimes be overlooked if the policy hasn’t been reviewed recently.

Savings tip: During your annual policy review, ask: “Are there any group discounts I qualify for?”

6. Schedule a Policy Review (The Best Way to Find Hidden Savings)

The #1 way to maximize your savings is simple: review your policies at least once per year.

A lot can change in 12 months:

• mileage / commute

• home upgrades

• new drivers

• student status

• claims history

• available carrier programs
  

Even small adjustments can make a major difference.

At Cushman Insurance, we’re happy to review your auto and home coverage and look for ways to reduce your premium while keeping the protection you need.

Call us today or request a policy review — we’ll help you uncover savings and feel confident about your coverage.