Insuring Your HomeInsuring Your Home

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Insuring Your Home

When we started thinking about buying a home, I realized that we had a boatload of work to do. I knew that we needed to save up a down payment, talk with a mortgage broker, and most importantly--figure out what we were doing about homeowners insurance. Fortunately, a friend of mine told me about a great insurance broker in our area who handled that kind of thing. We met with her to talk about our options, and before we knew it, we had found a policy that really melded with our budget and lifestyle. This blog is all about insuring your home.



Ways To Save Cash On Your Auto Insurance Premium

If you are like most people, you enjoy saving money wherever you can. Cutting back on your monthly expenses is a great way to do that, especially with how much you spend on your auto insurance. If you are not sure how to cut down on the cost of your auto insurance, continue reading.

Get A Higher Deductible 

It might seem counterproductive, but opting for a higher deductible is actually going to save you more money in the long run. Of course, if you are someone that finds themselves submitting a lot of claims for accidents, then the higher deductible might not be the way to go. If you hardly ever have to file a claim, then the higher deductible typically means a lower premium.

Get An Alarm Installed

Even if you are not driving a super fancy, high-priced car, there are still going to be criminals out there who may be more inclined to steal it. At the very least, they would want to break into your vehicle in order to steal what you have inside of it. When either of those things happen, you end up having to file a claim with the insurance company. Both you and your insurance company would much rather people leave your vehicle alone.

 If you were to install a quality alarm system, it may be enough to deter criminals from breaking into your vehicle. If you are able to provide proof of the alarm system installation to your insurance company, they might be able to offer you a small discount on the cost of your premium.

Pay For A Year's Premium At Once

There is usually the option to break down your yearly premium into monthly payments. However, when this is done, you likely end up paying more than you would if you were to simply pay for the entire year all at once. Therefore, you can get rid of a monthly bill and save money by paying for the entire year upfront. If that is a little too much for you to handle at the moment, see if you can pay for six months instead and whether that would give you some sort of savings as well. Every little bit adds up.

For additional money-saving tips, call and speak with a local auto insurance agent. They may be able to offer you ways to cut down on the cost of your premium by removing a towing package or by eliminating the added life insurance that they have on your policy.