How to Lower Insurance Rates?

How to lower your insurance rates? As consumers, we are always looking for the best deal, Insurance is no different. You have spend years working hard to secure the things you own, you wake to make sure you have them protected. Many people don’t realize there are a few different ways to help lower their insurance rates.

You may already have great insurance coverages but are you overpaying? Here are a few tips to help you lower your premium.

Independent Agent


Don’t limit yourself to just one company. An independent insurance agent shops your rates with multiple carriers. Millennium Brokers can shop rates with between 15-20 insurance companies depending on the type of insurance. When you are looking for a car, would you go to just one dealership? No way! There is no reason to do the same with your insurance.

An independent insurance agent has numerous advantages. Millennium Brokers can help lower your insurance rates by checking rates every year.


Update your Policies to Lower Your Insurance Rates

Always inform your agent of changes such as cars, drivers and even how many miles you drive. After selling a car or no longer having a driver on a policy can help lower your insurance rate. Some companies offer low millage discounts so when your driving habits change it is best to inform your agent. This is always a good time to check around for insurance. An independent insurance agent, can help find the company that gives the best low millage discounts.

Update Education

Your education can make a significant difference on your insurance prices. If you have recently completed some sort of education there might be a discount or lower rates for you. This could be anything from driver training all the way to getting your Bachelors or Masters degree.

Bundle Your Polices to Lower Your Insurance Rates

Bundling your polices can help lower your insurance rates. Most companies offer significant discounts for bundling your home and auto insurance together. You can also bundle your landlord or motorcycle insurance.

Telematics to Lower Your Insurance Rates

Telematics can help lower your insurance premiums. Most companies now telematic discount programs to help rewarding you for good driving. What are telematics? Telematics are devices that plug into your vehicle that measure your driving habits. Certain insurance carriers require you to leave the device in your vehicle while others just make you keep it in for a short period of time. If you are a good driver or just don’t drive much at all this can help lower your insurance rates.


At Millennium Brokers, we strive to help find you the best deal to fit your families needs. We want to help find the best coverages for an affordable rates. You can start staving today by getting a quote online or giving us a call at 417-773-7822.

Request Your Proposal Here

Are you ready to save time, aggravation, and money? The team at Millennium Brokers is here and ready to make the process as painless as possible. We look forward to meeting you!

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