FTJ Instructions: Home and Auto

Five things you can do NOW to decrease your auto insurance payments

1. Check your Physical Damage Coverage—if the vehicle is older than 10 years and has little market value, you could save as much as 50 percent on your premium by not buying Physical Damage coverage on that vehicle.
2. Reevaluate your amount of liability coverage—"buy as much as you can reasonably afford."
3. Discounts from your associations—you can receive substantial discounts if you are a member of associations (i.e., AAN members can receive up to 10% off their auto insurance through Liberty Mutual).
4. Install anti-theft devices.
5. Check for duplicate coverage—your auto policy may already cover towing expenses so you don't need to join AAA, or your health plan might cover your first-party medical coverage.

Learn more on the FTJ Auto, Home and Renter's Insurance page.

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