7 Secrets to Lower Premiums Without Risking Coverage
Stop Playing the Quote Game — Play to Win Long Term
#1: Stability Beats Quote-Chasing Clean books, strong limits, and low claims earn better pricing — not constant switching.
#2: Secret Discounts Are Real Good agents know how to get underwriter credits (COIs, mod scores, safety programs).
#3: Strong Limits = Bigger Jobs + Better Pricing Preferred markets want $1M/$2M GL. Weak limits keep you out of good jobs.
#4: The Audit Trap Costs You More Than You Think Messy books, bad payroll codes, no sub certs = bloated bills.
#5: Right Company, Right Trade The best rates come from companies that want your type of work — and the right agent knows who they are.
#6: Self-Insure Small Stuff, Not Big Stuff Skip tiny claims. Use insurance for major liability, injuries, or lawsuits only.
#7: Not All Quotes Are Equal — Even at the Same Price Service, claims, cert speed, audit ease — all vary wildly.
Quick Win: Ask These 5 Questions
What discounts am I missing?
Do my limits help or hurt my quote options?
What’s your plan for audits?
If two quotes are the same — which company do you trust?
Why I Care?
I’ve saved contractors thousands just by placing them with the right carrier. You don’t have to cut coverage to cut costs.
Bottom Line Play the long game. Pick the right partner. Build a smart insurance file.
