How to Lower Your Auto Insurance Bill: The Discounts You Could be Overlooking

At BIS Improved Insurance Agency we are always looking for ways for our clients to save the most on their auto insurance. Today prices are higher then they have ever been but with the tips below you can make sure you are getting the best price for your insurance coverage.

🎓 1. Good Student Discount

If you have a high school or college student who maintains good grades (typically a B average or higher), your family could qualify for a Good Student Discount.
Why? Statistically, responsible students tend to be more responsible drivers — and insurance companies reward that!

✅ Tip: Send a copy of your student’s most recent report card or transcript to your agent each year to ensure the discount stays active.

🎒 2. Away-at-School Discount

If your child is away at college more than 100 miles from home and doesn’t have regular access to your car, you may qualify for an “Away-at-School” discount.
That means if your student only drives during school breaks or visits home occasionally, you shouldn’t be paying the same rate as if they were behind the wheel daily.

✅ Tip: Let us know if your child goes away to school — we can update their status and potentially reduce your premium.

🚗 3. Membership Discounts (AAA & More)

Are you a AAA member, or part of another professional or alumni organization? Many carriers offer membership-based savings just for belonging.

✅ Tip: Share any associations, memberships, or unions you’re part of — even ones you might not think matter! Some companies partner with hundreds of groups.

📄 4. Defensive Driving Course

Completing a state-approved defensive driving course not only sharpens your skills but can lower your premium by 5–10% for up to three years.
After completing the course, simply send your certificate of completion to your insurance agent.

✅ Tip: These courses are often available online, so you can finish them at your own pace — even from home.

💰 5. Raising Your Deductible

If you’re a careful driver with a clean record, you can consider raising your deductible (for example, from $500 to $1,000).
Doing so typically lowers your monthly or annual premium, freeing up cash flow while still keeping strong coverage.

✅ Tip: Make sure you have savings set aside to cover the higher deductible in case of an accident.

👨‍👩‍👧‍👦 6. Multi-Vehicle or Bundling Discount

If your family insures more than one vehicle or combines home + auto policies, you can often unlock multi-policy discounts that can add up to hundreds of dollars per year.

✅ Tip: Even renters can bundle! Ask about combining your auto and renters insurance for extra savings.

🧡 7. Annual Review with Your Agent

Life changes fast — and so should your coverage. Updating your policy regularly ensures all your discounts are applied.
From new safety features to kids leaving for college, even small adjustments can add up to big savings.

✅ Tip: Schedule a free annual policy review with BIS Improved Insurance — we’ll make sure you’re getting every discount you deserve. 973-683-1000 or info@bisrm.com

🌟 Ready to Save? We Can Help.

At BIS Improved Insurance Agency, we make it simple to understand your coverage and find savings that fit your life.
We’re proud to help local families across Morris County, Roxbury, and Morris Plains, NJ protect what matters most — while keeping budgets in check.

📞 Call us at 973-683-1000 or visit bisrm.com/contactus to review your policy today.
Let’s make sure you’re not missing out on any discounts!