“I never thought I would drive again, until I called Action Insurance!”


A broad offering of insurance policies are available to cover your personal property and casualty needs. Low cost life insurance is also available to provide maximum protection at affordable rates.

Automobile (Preferred, Standard, & High Risk (SR-22))

Home, Condo, Renters, Mobile Home, & Motor Home

Motorcycle & ATV

Boat & Jet Ski

Personal Umbrella

Travel Trailer


Term Life

How You Can Lower Your Auto Insurance Bill

Car ownership is a big part of American culture, as it gives you the freedom to hit the road and explore the country. While you can get a lot of enjoyment out of driving, there are also many expenses that come with this privilege, and the maintenance of insurance policies is one of the big ones. If it feels like your premium payments are exceeding your budget, the Action Insurance Agency can sit down with you and find a plan that works. While some factors might be out of your control, here are a few things you can do to lower your bills.

Learn About Your Vehicle

While looking for a new automobile, you should do some research to see if it falls into the high risk category. If an insurer thinks you’re more likely to file a claim, you might end up paying higher premiums. There are a number of different factors that combine to make a car risky:

  • Higher instances of theft
  • Increased collision rates
  • Larger purchase and maintenance costs

You might have your heart set on a particular car, but you could be in for sticker shock if insurers think it comes with too many risks.

Augment Your Policy

When it comes to insurance policies, you get what you pay for, which means you’ll get a higher bill for increased levels of protection. If you bundle a bunch of benefits into your plan, you can expect to pay more for the added convenience. By making decisions such as increasing deductibles or dropping collision coverage, you can realize significant reductions in your premium prices.

Research Discounts

Before you decide on an auto insurance policy, you should learn about the various discounts available for drivers like you. If you also carry coverage on life, home and other property, you can probably get a discounted rate by having multiple lines with the same company. Motorists with clean records can usually get a discount, as can good students and members of the military. You’ll never learn about many of these discounts without asking, so don’t hesitate to communicate your concerns with your agent.

Don’t Pay More Than You Should

If you’re a safe driver who makes regular payments and maintains a good credit score, there’s no reason you should overpay for your policy. If you’re looking for a plan to meet your practical and budgetary needs, turn to the professionals at the Action Insurance Agency. To make an appointment with one of our agents or get a quick quote for coverage, contact us online or give our office a call at 608-222-4555 today.