Tips for Effective Insurance Shopping While Saving Time and Money
- 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
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.