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Tips for Effective Insurance Shopping While Saving Time and Money

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  • programming95
    10 different ways to save money on your home insurance, car insurance, renters insurance, life insurance, travel insurance, business insurance and other
    Message 1 of 2 , Dec 28 8:24 PM
      10 different ways to save money on your home insurance, car
      insurance, renters insurance, life insurance, travel insurance,
      business insurance and other insurance types. How do you make your
      insurance shopping effective and easy? Read on...

      Saving money is one of the most important things to keep in mine in
      the 21st century. Just by keeping some of the key notes mentioned
      below and by following them, you could save money and time in all
      your insurance shopping needs.


      1. Ask about discounts.
      Some agencies offer non-smoking or good student rates. There are also
      double car discounts, discounts given to good drivers. In some states
      if you take a driving course given by the local police department you
      get a special discount


      2. Apply Security Measures.
      Putting anti-theft devices and security alarms in your car and
      deadbolt lock on your doors, fire extinguishers, and fire alarms in
      your home can save you good amount on your insurance bill.

      3. Work with quality companies.
      Work with established, stable companies in the market.

      4. Multi Policy Discounts.
      Take car insurance and home insurance from the same insurance company
      and you could get good discount. Use the free service at
      www.site4insurance.com to calculate and get joint policy discounts.

      5. Compare Policies.
      Get quotes from different companies for all your insurance needs and
      compare them. You will be surprised to see the differences in quotes
      and could easily save money in this manner. Dont have time to shop
      around?? Go to http://www.site4insurance.com to request for free
      quotes from one single spot. No need to call individual companies for
      quotes. Convenient and saves a lot of your valuable time.

      6. Find out how much coverage you need.
      Raising the deductable or reducing some of the coverages could also
      lower costs. But this is more of a balancing act and you need to take
      a good look at the deductibles and the coverages to decide the
      deductible that right for you.

      7. Decide your waiting period.
      Waiting period is the time period before your benefits begin. The
      longer the waiting period, the lower your premiums. Down side to this
      is more scope for out of pocket expenses. Again, this needs to be
      thought through, to come up with the optimal waiting period that is
      right for you.

      8. Group Discounts.
      Check with your employer to see if there is any group discount
      available. If you are part of a non-profit organization, you might
      need to check there as well for group discounts. While there is lot
      of talk about group discounts like these, My personal experience has
      shown that it is better to use a free service like Site4Insurance to
      get the lowest rate.

      9. Buy term life insurance, which is less expensive and can be
      cancelled - if you want security and protection.

      10. Continue to Shop!!.
      One of the biggest mistakes that most people make is to just stop
      shopping around once they buy an insurance policy. It does not have
      to be that way. Use a free quotes service such as
      http://www.Site4Insurance.com, even while you have an active policy,
      to compare with what you are paying. You find a better deal, you save
      money.


      About the Author

      Jason Long is a subject matter expert at
      http://www.CarQuotesCentral.com, an online place to get free car
      price quotes for both new and used cars with simple forms.
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