Insurance Discounts

Myth – The most important thing is to pay as little as possible.

Fact – You can pay too much and be underinsured or incorrectly insured.

ActionContact us to get the best rate and the right coverage!

If it's important to you, it's important to us, so we offer a wide variety of services, products and carriers to meet your specific needs and goals.

Saving on insurance or finding insurance discounts you are eligible for can be both easy and complicated. Check out the tips below, or contact us so we can do a complete review. We have the knowledge and expertise to find all the available discounts and low insurance rate you deserve.

Most Important – Talk to Us!

As independent agents, we represent several companies that will compete for your business. We know all the ins and outs, discounts, and tricks of the trade. Let us do the shopping for you.

When you consult with us, we'll help you make all the right insurance decisions. Most importantly, at a time of loss, we represent your interests, not those of an insurance company. In the event you have a claim, you can count on us to work with you for a fast, fair cash settlement.

Opt for a Stable Insurer

While most insurers provide fair settlements, speed and quality can be almost as important as money. Be sure the carrier you choose has a reputation for fast quality claim service.

Ask About Discounts

Most insurers offer discounts that you may be eligible for. You can save hundreds of dollars with the right insurance discounts, so check with us regarding insurance discounts for:

  • Multiple cars
  • Multi Policy (Account Credit)
  • Good student and safe driver discounts
  • Car Pool
  • Alarms / Lojack
  • Professional designations
  • Occupational discounts (teacher, police/firefighters, government workers, etc.),
  • Union Association (like ILWU) or Credit Union membership
  • Renewal discounts
  • Safety Courses / Teen Insurance programs
  • Years of experience or retirement status
  • New home
  • Recent home purchases (inspections)
  • Being loss-free

Choose the Appropriate Limits (Don't Under-Insure)

Don't underestimate jury awards and repair costs. Saving a few dollars up front could cost you a significant amount of money in the event of a loss, as you are liable for any verdict or award over your coverage limit.

For homeowner, condo, and renters policies, you must insure to value to get the full amount of insurance available and avoid co-insurance penalties or loss of replacement cost coverage.

Don't Over-Insure

Choose only the coverage you need. For example, if your car is more than six years old, look at the cost and benefit of continuing collision and perhaps comprehensive coverage as well.

Select the Right Deductible

By "self insuring" what you can afford, deductibles can save you significant premium dollars.

Safety Devices, Safety Classes, Security Credits

Installing Safety and protective devices such as auto alarms, burglar alarms, fire alarms, fire sprinklers, deadbolts, fire extinguishers, and the like can reduce your premium.

Having a home in a gated community, part of an association, having a guard watch.

Save on boat and auto insurance by taking a safety course. If you are a young or senior driver, these course can reduce your premiums.

Licenses / Clubs

  • Are you a member of a homeowner association?
  • Do you have the proper license? e.g., Motorcycle
  • Take a safety course
  • Join a club (Good Sam, Harley owners, Farm Bureau, Antique Auto, etc.) – discounts often apply

Long-term Policyholder

Some carriers offer rate discounts for staying with them for three years, five years, or longer.

Auto Insurance - The Comprehensive / Collision Coverage Question

Without comprehensive coverage, you will not be paid for fire, theft, vandalism, or other losses that are out of your control. Collision coverage protects you in case of damage caused by you or unknown persons. That said, there comes a time when the car is old and it gets harder to justify the potential return on your premium.

Uninsured Motorist Coverage

This is an important money saver in the event you are the victim of a hit-and-run or are hit by a driver without insurance.

Towing and Replacement Vehicles

Following an accident, without this coverage, you may have to pay out-of-pocket to tow your vehicle or rent a replacement car.

Young Driver Savings

If you have or are a young driver, the best thing you can do is have a good GPA (3.0+), qualifying you for a good student discount. Safety programs also can lower your rate.

Excess Liability (Umbrella)

This is economical coverage that picks up where your auto (and homeowner) liability leaves off. It can save huge amounts in the event of a large judgment against you.

Optional Coverages Can Save You Big Money

Ask about replacement cost, GAP to protect your loan or lease, mechanical breakdown (extended warranty), identity theft, rental reimbursement, and roadside assistance. All these can be 50-60% less when added to your policy compared to what you would pay at the dealer or club!

Refer a friend & earn a gift

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Refer someone today

We represent fine companies like

Safeco Insurance, Member of Liberty Mutual Group



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50% of our business comes from client referrals. Contact us today and we'll show you why that is.

Our locations:

Harbor Insurance
1622 S. Gaffey #104
San Pedro, CA 90731

310-832-5311

C & S Insurance
3220 Sepulveda Blvd #202
Torrance, CA 90505

310-517-8255