Auto insurance helps protect you if you are involved in an accident. You will have protection for you and your passengers for medical bills, repairs and legal defense, regardless of fault.

In most states, auto insurance is required to protect yourself from being sued for liability losses, which includes bodily injury and property damage to others. Each state has its' own minimum requirements that must be purchased.


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why squarecap?

When it comes to lowering your auto premiums, you're in the driver's seat. Having adequate car insurance is both smart and prudent, but there's no question that it adds to the expense of driving. The good news is that premiums can vary by hundreds of dollars depending on a number of factors. Squarecap will assist you with reviewing your coverage at renewal time to make sure your insurance is in step with your needs and follow these practical steps to reduce the bottom line on your auto policy. 

we shop. you save.

Insurance premiums differ from company to company, so let us find best quotes from over 50 different insurance companies. Let us save you money and time.  We will customize your policy and answer all your questions to your satisfaction. Keep in mind that the lowest price isn't always the "cheapest" option. We want to make sure that the company you choose is reputable, and that you're comfortable with the service you get from our insurance professionals.

tips how to save money on car insurance


raise you deductibles

By choosing a higher deductible on your car insurance, you can significantly lower your premium costs. Of course, be sure you have enough money set aside to pay the higher deductibles in the event you have a claim.

Reduce optional insurance on your older car

As a rule of thumb, if your older car is worth less than 10 times the insurance premium, having collision and/or comprehensive coverage may not be cost effective. To find out whether this is true for you, check the value of your car. You can look up what your car is worth for free on websites such as Kelley Blue Book, National Association of Auto Dealers (NADA), and TrueCar.

bundle your insurance

Many insurers will give you a discount if you purchase two or more types of insurance from them--such as homeowners and auto--or have more than one vehicle insured.

Maintain a good credit history

Establishing a solid credit history has many benefits, including lower insurance costs. Many insurers use credit information to price auto insurance policies. (Research shows that people who effectively manage their credit make fewer claims.) To be sure you're getting the good credit you deserve, it's a good idea to check your credit record on a regular basis to be sure all information is accurate.

Take advantage of low mileage discounts

Some companies offer discounts to motorists who drive less than the average number miles per year. Low mileage discounts can also apply to drivers who carpool to work.

seek out other discounts

There are other discounts that your insurer may offer to policyholders. For example, some companies offer discounts to those who've not had any accidents or moving violations during a specified period, or who have taken a defensive driving course. If there is a young driver on your policy who is a good student, has taken a driver's education course or is away at college without a car, you may also qualify for a lower rate.

Please ask our Squarecap insurance professionals what discounts you might qualify for, but keep in mind that what's important is the final cost of your policy. A company that offers few discounts may still be able to give you a lower overall premium price with the right coverage for you and your family.