New Year’s Resolutions that can Lower Your Insurance Rates

Sticking to your New Year’s resolutions can actually equal better insurance rates! Imagine working to improve yourself and then realizing that it’s saving you money! We think this is all the more reason to make 2017 the year you make and keep your resolutions! Check our list of resolutions that can help you slim your waistline while fattening your wallet.

Kearby Insurance list of resolutions to help lower your insurance rates


5 New Year’s Resolutions that can Help You Lower Your Insurance Rates


  1. Lose those extra pounds - That’s right, keeping your BMI in the healthy range equals savings on your insurance rates. A slimmer, healthier you means a slimmer health insurance rate. Sounds like a win-win to us! Need help finding your BMI? Use the BMI calculator on to see where you fall.

  2. Quit smoking - Non-tobacco users can save as much as 50% on their insurance premiums, compared to their tobacco-using counterparts. That’s a significant savings and a great reason to keep your 2017 resolution to be smoke-free!

  3. Create a safer home environment - Ask your homeowners insurance company or your agent (we can help) about safety and security discounts. Did you know that something as simple as cleaning out your garage so you can park the car inside may help reduce your rate? Looks like Saturday is going to be productive!

  4. Improve your credit score -  This might seem like it has little to nothing to do with lowering your insurance rates, but credit is money and a better score can equal a better rate. Speak with your trusted financial advisor to make a plan to increase your score.

  5. Drive more safely - Turning off your cell phone, or keeping it out of reach can greatly reduce your risk of an accident. Distracted driving is a leading cause of accidents, which increase premiums. Focusing on your driving and leaving that call or text until you arrive safely at your destination can directly impact your rate.


Self-improvement is always a worthy resolution, but when you can work on a better you and lower your insurance rates at the same time, it’s a great way to start the new year!


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