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FAQ's
What are ways I can reduce my rate?
- Higher Deductibles. You can lower the premium by raising your deductible - the amount of money you pay before your insurance company starts to pay for a loss. Doubling your deductible from the standard $250 deductible can often reduce your rates about 12 percent; increasing the deductible to $2,500 can often save about 30 percent.
- Safety and security systems. Some companies offer discounts for sprinkler systems, fire and burglar alarms, and similar systems.
- Discounts and group rates are sometimes available to seniors, or members of a professional or business organization. Some companies also offer a discount if you have another policy with them - such as auto insurance - or if you have stayed with same company for several years. If a company offers these packaged discounts to homeowners, it must also offer them to individuals having a renter's or a condominium owner's policy with the company.
- Renovation. If a company offers a lower rate for a new home, it must also offer a rate reduction for a renovated home. As an example, a company may give credit for one or more of the following: renovated electrical, heating or cooling, and plumbing systems, as well as a new roof.
There is a lot to keep in mind when purchasing an auto or homeowners insurance policy. Let us help you sort out everything and put together an insurance package that fits your needs. Call us at 800-409-3592.
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