From Fur Babies to Fire Hydrants: Your Home Insurance Premiums

When I got my kids a dog, I had no idea that it could affect my homeowners insurance. I happened to run into my insurance agent in the store when I was buying dog food and he asked me what kind of dog we had. When I told him, he said I should stop in the office the next day. I had no idea that things like this could affect premiums, so I started asking what else could do it as well. I created this site to help others understand some of the finer points of homeowners insurance and what they should think about to manage their rates.

How To Get The Most Affordable Car Insurance Coverage

Insurance Blog

If you have ever been in a car accident and had to pay a lot of money for damages, you likely have a keen understanding of just how important it is to have insurance protection. Auto repairs can range well into the thousands, and just knowing you don't have to come up with all of the money on your own can be comforting. However, vehicle coverage isn't always your most budget-friendly expense, especially if you've been in multiple collisions or happen to have an expensive ride. Check out a few tidbits that can help you get a more affordable car insurance premium.

Dig Into Those Discounts

When you first purchased your auto insurance policy, did you maximize the number of discounts you received? Buying insurance online is ultra-convenient, but it also sometimes lacks the personal touch that can make a huge difference in whether or not you get all of the discounts you are actually entitled to.

Don't be afraid to pull out your insurance identification (ID) card, turn it over, look for the customer service number, and call to speak with a representative. Ask for a readout of all discounts available to see which ones fit your situation. Maybe you're willing to take a defensive driver course to gain valuable techniques that will decrease your chance of getting into a collision. Passing the class may seem like a small gesture, but it could put you in line for a serious discount!

Also, if you have children on your policy who excel in school, see if there is a discount for drivers who make good grades. Find out what you are eligible for because you might be in for a very pleasant surprise.

Rig Your Ride For Safety

When some people make modifications to their vehicles, it's all about boosting the appearance. This is great if you like turning heads, but it may not do much if your finances are the main concern.

Instead of getting a fancy stereo system or the latest underbody light, try adding anti-lock brakes, a rear-backing camera, and other safety features to the vehicle. Safety features have a way of giving you leverage in a split-second so you can avoid an accident that would result in an expensive claim. Your insurance company may be willing to reward you for your safety modifications by reducing your policy amount.

Small changes can make a big difference in your premium. Use the information in this article to hopefully get the insurance reduction you seek very soon. For more information about car insurance, contact a local insurance agent.


1 February 2021