Student Discounts: The Best of the Best

When it comes to saving money on car insurance, you need to be aware of the many discounts that you may qualify for. You may find that you are able to save anywhere from 10 to 20 percent of more on your premiums when taking advantage of discounts, especially ones that relate to you being a college student. Here’s a quick look at the best discounts you’ll find for saving money on car insurance as a student in college.

Multi-car policy discount

Are you staying on your parent’s policy while in college? If so, you should qualify for some type of multi-car discount. The savings can be anywhere from $10 a year to $200+. Your parents will also receive a discount on their policy rates because of the multi-discount feature.

Maintain good grades

When going to school, you should always do your best to keep your grades up. Not only will good grades help you excel further in your school and career endeavors, but it can also help you qualify for a good grade discount. Some insurance companies have been known to reduce insurance premium rates by as much as 15 percent for students who keep their grades at or above a 3.0 GPA.

Low mileage discount

If you live close to campus, you should definitely do your best to travel to and from school by foot or bicycle. Not only does this help you squeeze in lots of exercise, but it can also lower your insurance rates because you’ll be putting very low mileage on your vehicle. The lower the miles, the lower your insurance rates.

To learn more about saving money as a college student on your auto insurance, visit the Schaller & Thomas Family Insurance website today.

What You Can Do To Prep Your Home For The Fall

When you live in Phoenix, there are a lot of things you can do to prep your home for the fall. The weather is going to start getting colder and you want your home to be ready so that you are not spending a fortune on your energy bill. You also want to perform a few inspections so that your home isn’t damaged by any ice, wind, and snow.

One of the first things that you can do is check to see what kind of drafts you have coming in to your home. Around the windows and doors is where air leaks might be getting through. This may cause you to run your heat for longer, spending more money throughout the fall and winter months. You can weather strip and caulk to help seal the air out – and you will notice the savings on your energy bill as well.

There are a few inspections that you should schedule during the fall as well. This includes the air-conditioning company to check out your heater, the roofing company to check out your roof, as well as a chimney sweep to unclog your fireplace.

You will also want to reverse your fans. During the spring and summer months, you want the fans to be running in one direction as a way of pushing me cold air down and the warm air up. This needs to reverse during the fall and winter months so that the warm air is closer to you.

Finally, it’s also a good idea to change out the batteries in your smoke detectors.

Call now to speak to one of our agents at Schaller & Thomas Family Insurance  to get quotes on homeowner’s insurance and find out some of the best ways to protect your home in Phoenix, Arizona in the fall and all year long.