Car Insurance Premiums Too High? 3 Ways You Can Lower It

Posted by on May 27, 2016 in Uncategorized

Car insurance is a necessity in almost every state if you drive your car, which will be another bill you need to factor into your budget. You may be looking for ways to get this bill as low as possible to make your car more affordable. Consider these 3 ways to cut back on your insurance costs. Be A Safe Driver Being safe when you drive can save you money in a couple ways. While you may believe that this simply means saving money by not getting into accidents, it goes beyond that. Your car insurance company will look at your driving record when you get car insurance, with difference offenses having a greater impact on how much you pay. While a broken taillight will have a relatively low impact on your premiums, a speeding ticket that is over 10 mph will see a moderate effect. Severe driving offenses, such being convicted of a DUI, can see a significant effect. Every insurance company will handle the effect of an offense in their own way. You may see increased rates for a period of time, or a surcharge added to your bill that will go away after an extended period of safe driving. Increase The Deductible Your deductible is how much you pay before insurance kicks in for a major repair. The less you pay, the larger your car insurance premium payment will be. While it can be a great way to save money by increasing your deductible, make sure you have the cash on hand to pay for it. If your deductible is too high and you cannot pay it, you will not be able to use your insurance if you do need to use it some day. It is a simple mistake that you may not realize until it is too late. Drive Less Miles The amount of miles that you put onto your car each year will affect how much you pay. Moving to a new apartment that’s closer to your job, carpooling with co-workers, or taking public transportation can help make your insurance cheaper. Just be sure to let your insurance provider know that you made these changes. If you already are doing these things, you should consider switching to a car insurance that allows you to pay by the mile. For those that don’t use their car often, it can lead to big savings over time by only paying for your insurance when you use...

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2 Methods For Lowering Your Homeowners Insurance Rates

Posted by on May 17, 2016 in Uncategorized

One of the most important types of insurance that you can purchase is homeowners insurance, mostly because this type of insurance can help you recover from a burglary, natural disaster, accidents, or vandalism. In some cases, homeowners insurance can pay to entirely rebuild a destroyed home and provide you with money to use to rent a place to stay while your home is repaired or rebuilt. Listed below are two methods that can help you lower the rates on a homeowners insurance policy. Install Security Systems When a home insurance company determines your rates they will be trying to figure out how much of a risk your home is in terms of a break-in or vandalism. This is because the higher the risk of break-ins or vandalism the greater the chances are that you will have to file a claim for repairs and stolen property, which will cost your insurance company quite a bit of money. In the end, this will result in higher rates on your policy if you live in a neighborhood that is considered high risk. However, one way to lower your insurance rates is by minimizing the risk to your home by installing a security system. A security system can vastly reduce the chances that your home will be broken into as the system makes your home a less inviting target for thieves and vandals. In some cases, simply seeing a sign that you have a security system in place is enough to send a potential intruder in search of a much easier target.  Strengthen Your Doors Another way to minimize the risk to your home and lower your insurance rates is to make the front and back doors to your home as strong as possible. This is helpful because many doors do not actually pose a big obstacle to a burglar, so replacing them with more sturdy options can reduce the chances of the burglar getting into the house. One easy way to strengthen your front and back doors is by replacing the door jamb with metal pieces and stronger fixtures. In addition, using longer screws when installing the strike plate and door jamb will make your door much harder to kick in. With these modifications made, you can then contact your insurance agent and describe the modifications, at which point the insurance agent may be able to offer you a discounted homeowners insurance policy. Contact your insurance agent today, like those at Harris Insurance Services, in order to discuss the many ways in which you can reduce your homeowners insurance rates. Securing your home and making it less likely to be robbed or broken into by installing security systems and strengthening your doors are great ways to qualify for better insurance...

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