Best Deals on Homeowners Insurance
The only way you re going to get the best deal on homeowners insurance is to compare rates from different insurance companies. There are four ways to do it ...
Visit local insurance companies - You can spend half a day or more riding around town trying to get quotes from local insurance companies. However, most insurance agents are trained to sell insurance, not provide information, so much of your time will be spent listening to sales pitches.
Call local insurance agents - You can spend hours on the phone calling local insurance agents to get quotes. The problem here is that many agents won t give out quotes over the phone.
Surf single-company websites - You can spend hours on end going from one insurance company website to the next in search of a good deal. Unfortunately single-company sites are set up to sell you a policy directly from their company so you ll never know if you re getting the best deal on homeowners insurance. And companies that offer to show your their competitor s rates don t always show you their cheapest competitor s rates.
Visit an insurance comparison website - It only takes a few minutes at an insurance comparison website to get quotes from a number of different companies. All you do is fill out a simple questionnaire with information about your home and the type of insurance you want, then wait for your quotes.
Most insurance comparison sites only deal with A-rated companies, so if you decide to purchase insurance though one of them you ll be dealing with a solid, reliable company. The best of these sites offer money-saving articles and feature online chat services so you can get answers to your insurance questions from an insurance expert. (See link below.)
Getting the Lowest Rate
After you find the company with best deal on homeowners insurance you can lower your rate even further by ...
Raising your deductible - Raising your deductible from $500 to $1,000 can save you up to 25% on your yearly premium. This also saves you from making too many small claims which can cause an insurance company to cancel your policy.
Installing security and safety devices - Installing security devices like dead bolts, window locks, and burglar alarms, and safety devices like fire extinguishers smoke detectors, and fire alarms, can save you up to 20% on your yearly premium. This also makes your home safer, more secure, and will give you greater peace of mind.
Consolidating your insurance policies - Purchasing your auto insurance and your homeowners insurance through the same company can save you up to 15% on your premium. An added benefit is you ll have only one insurance company to deal with.
Asking for additional discounts - Insurance companies offer all kinds of discounts - senior discounts, non-smoker discounts, military discounts, law enforcement discounts, newer-home discounts, etc. Before you buy your homeowners insurance ask your agent about all the discounts you re eligible for and take advantage of them.
Visit http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to compare the best deals on homeowners insurance from top insurance companies and see how much you can save. You can get more insurance tips in their Articles section.
The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on getting the best deals on homeowners insurance.
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