Dashcams are good, but don't overlook tire upgrades. Switched to studded tires a couple winters ago and casually mentioned it to my agent—got a decent discount. Not massive savings, but enough to notice. Insurance companies seem to appreciate anything that reduces your risk, especially up here with moose and ice everywhere... Worth a shot if you've made similar changes.
Good call on the tires. Did something similar a few years back—switched to studded tires and mentioned it to my insurance rep. Got a small discount too, nothing huge but every bit counts. If anyone else is thinking about it, here's how you do it: first, upgrade your tires (studded or winter-rated), then just give your agent a quick call and casually mention the change. They'll usually ask for proof, so keep your receipt handy. Easy enough and worth the minor hassle for sure.
Nice tip about the tires, I had no idea! First time buying insurance here and I swear, every little discount feels like finding money in your winter coat pocket. 😂 Another random thing I found out—apparently, taking a defensive driving class can shave a bit off your premium too. Haven't done it yet myself (honestly, who has the time?), but might be worth sacrificing a weekend someday if the savings are decent...
Didn't realize the defensive driving thing worked here too, good to know. I've heard some insurers also give discounts if you install a dashcam—anyone tried that? Been thinking about getting one anyway for peace of mind, but if it knocks a few bucks off insurance, even better. Curious if it's actually worth the upfront cost though...
- Checked into dashcams last year—most insurers I talked to didn't offer discounts directly for having one installed.
- Still, dashcams can help a ton if you're ever in an accident dispute...
- Wonder if anyone knows if certain dashcam features (like GPS tracking or parking mode) influence discounts?
