Tips for Reducing Your Premium

Consider these discounts and suggestions to reduce your insurance costs. Contact your agent if you have questions about how to qualify for Goodville Mutual discounts.

Homeowners Insurance

Goodville Mutual offers discounts for:

  • New homes - up to 20 years.
  • Smoke detectors/alarm systems
  • Multi-policy discount - if you insure both your home and auto with Goodville Mutual.

Other suggestions:

  • Increase your deductible. A higher deductible means lower premiums. Be prepared, however, to assume the extra expense of a higher deductible if you experience a loss.

Auto Insurance

Goodville Mutual offers discounts for:

  • Safe drivers - for drivers who have not had an accident in the last four or five years.
  • Tiers - multiple tiers available to recognize your driving record
  • Account - For insuring your vehicles and the home or farm you own with Goodville Mutual.
  • Anti-theft - for autos equipped with an alarm or other active or passive disabling device.
  • Passive Restraint - for autos equipped with air bags or passive seat belts.
  • Anti-lock braking system - For vehicles equipped with a factory-installed four-wheel anti-lock braking system.
  • Good student - for students who maintain a "B" average, or better.
  • Resident student - for unmarried students who attend a school more than 100 miles from home and do not have a vehicle with them.
  • Driver Training - for students who pass an approved driver training course.
  • Multi-Car - Applies whenever you insure more than one personal vehicle with Goodville Mutual.
  • Driver Improvement - for mature drivers who complete a state approved defensive driving course.

Other suggestions:

  • Increase your deductible. A higher deductible means lower premiums. Be prepared, however, to assume the extra expense of a higher deductible if you experience a loss.
  • Check rates before buying a car. Call your agent to report the type of car you are considering. Some cars cost less to insure.
  • Drive safely. How you drive can affect your insurance costs. Drive safely; avoid accidents and violations.

Farm Insurance

Goodville Mutual offers discounts for:

  • Farmowner/auto
  • Smoke detectors / alarm systems
  • New homes - up to 20 years
  • Deductible options