1. Let your insurance carrier be paid your premiums automatically and you will get you a considerable discount. If you don't know how to do this, ask your bank or agent. In addition to saving you in premiums you will also save yourself much time and avoidable stress.
2. Dead-bolt locks on every exterior door will help you attract a more affordable rate. They will make it harder for burglars to get into your house. And as you know, the less the risk of burglary in a house, the lower the rates it will get.
3. It's more expensive and very unnecessary to insure the land on which your home is standing. A good number of folks pay much more than they should on home insurance because they make this mistake. They just insure their house for its entire value without deducting the cost of the land.
If you did such ignorantly, you need to re-evaluate your home insurance coverage and check it again with your agent. Subtract the value of the land and you'll discover that you'll need far less coverage.
Your rate will be more affordable and you'll still have sufficient coverage if you do this right. No matter what you do and who you meet, don't forget that the only things you insure are things that can be lost or damaged and your land is not one of such. 4. You'll pay more affordable premiums if your area has a community watch. Don't forget to inform your agent if your neighborhood has such so you can get a well-deserved discount. And, if you don't have you can as well initiate one in your neighborhood if you don't have it. Everybody in your community stands to benefit as this will lower their home insurance rates.
5. Are you aware that there are lots of discounts you may be qualified for with your insurance company that you are NOT informed of? Knowledge is the first step to getting what you're eligible for. Sit your agent down and ask that they tell you about all discounts that your insurer offers and how to qualify. There are many discounts that insurance carriers don't usually publicize.
6. The most important step to huge savings in insurance is comparison shopping -- That's if you do it right. You can get quotes that will have a range in excess of $1,000. You could easily save that much by just going with the lowest quote. That should apply if you're just after the lowest price.
However, if you want the best price/value then you would have to look at the details of the lowest offers. Different insurers may have adjustments for similar policies. It's a good idea to ask the agent what's part of the deal and what's not
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