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3. USING THE SAME COMPANY FOR VARIOUS INSURANCE If you have your car insurance and your homeowner's insurance with the same insurance company it is possible to save up to 15% on your yearly insurance costs.
4. RAISE YOUR DEDUCTIBLE
Raising your deductible from $500.00 to $1,000.00 can save up to 20% on premiums over a year. Over the course of several years, these savings can really add up.
5. COMPARE RATES WITH OTHER COMPANIES
The exact same policy can vary in price from company to company. Be sure to use an insurance comparison website so you'll get rates from a number of different companies. The quotes should be free and you won't be under any obligation to choose a policy.
6. ALWAYS ASK ABOUT DISCOUNTS
It doesn't hurt to ask about any other discounts that you may qualify for. It is possible to get discounts for senior citizens, military, law officers, and single parents in some cases.
7. PROTECT YOUR POOL
If you have a pool, make sure it is not easily accessible to a child who may inadvertently wander into your yard. Some companies do not like in ground pools with diving boards and could refuse to provide coverage.
8. USE THE INTERNET TO FIND QUOTES
By using the Internet to obtain quotes, you will have the chance to comparison shop, which you wouldn't get if you went to your local insurance company. Being a well informed shopper will save you extra money.