Do you enjoy paying too much for your car or home insurance policies
? Most of us hate to pay too much for anything. Have you ever taken the time to be sure you are getting the best deal by taking advantage of every discount that you possibly can? Consider some insurance discounts that you might have overlooked.
What premium rate reductions did you overlook? Let us review some common ways to save money on a variety of common policies. Many consumers fail to take advantage of all of the price breaks they could get. Sometimes agents even miss these because they neglect to ask the right questions of all of their clients. As the actual policy owner, it really is your duty to make sure you are getting the best deal on your coverage!
Of course, nobody thinks that companies have a big and secret plot to force you to pay too much. Insurers offer discounts for lots of things. Usually these things either lower your risk or reduce the insurer's expenses. Insurers want customers who can qualify for these discounts. They also want to encourage old customers too be loyal. All I am saying is these things just get overlooked sometimes.
Are you overlooking some hidden homeowners insurance discounts that could save you money without reducing your coverage? Many homeowners make changes to make their homes safer and more secure, but they never even tell their insurer about these changes. If you have repaired your roof or upgraded your energy system, be sure and call your agent to give them the good news. Better yet, call your agent before you make the change to see how it can affect your premiums. The premium savings may even help underwrite the cost of your repairs and upgrades!
Most of us have to pay for auto insurance in order to drive legally. Does your neighbor seem to pay a lot less for his coverage than you do? He may have found some secret auto insurance discounts that you and your agent have missed. Are you a low mileage driver? Many drivers do not realize that they can get a lower price if they do not drive very much. This makes a lot of sense. But it gets missed often.
A good insurance agent can help you find the right coverage at the right price. However, as a consumer, it really is your responsibility to make sure you have made the best deal!