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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Steps To Becoming A Successful Insurance Agent

Posted by on Apr 18, 2016 in Uncategorized

Since most individuals and families purchase insurance policies to protect themselves and their belongings, it is an excellent field to get into. Becoming an insurance agent isn’t as hard as you might think, as long as you follow a few simple steps. Before long, you’ll experience success in a career that is truly satisfying.  Get an Education In order to sell insurance, you’ll need a high school diploma. Although a college degree isn’t a requirement in this field, there are a few classes that you may want to consider taking that will help you have a leg up over your competition. Taking economics, accounting, and financial management courses will also aid in your advancement within the company you are working for.  Obtain a License Each state is different in their licensing requirements, however, you can expect to spend about 20 to 50 hours learning the material needed to pass the licensing exam. You may be able to do this yourself using an online program, or you may have to attend classes at a technical school or community college. Additionally, fingerprinting and criminal background checks are needed before a license can be issued.  Seek an Internship Learning from an expert in the field is often more beneficial than any book knowledge. When you first start out, seek an internship or become an apprentice so that you can learn the ins and outs of selling insurance. Remember that an insurance agent must also be skilled in the art of sales, and watching a pro at work will put you on the path to success much more quickly than if you were left to figure it all out on your own.  Create Goals Once you begin your journey as an insurance agent, it is imperative that you create a set of goals for yourself. This is because most agents work off of commission. Having achievable goals will give you something to work toward, which is a form of accountability, so that you keep striving to be the best you can be. Keep Up With License Renewals Pay attention to your state’s licensing rules and regulations. Most require that licenses be renewed every two years.  During this time you may also want to work toward additional certifications that will not only increase your knowledge, but help you advance to the next level in your company. Financial planning certifications, for example, look great on an insurance agent’s resume.  Becoming an insurance agent can be extremely lucrative if you put proper time and energy into each step of the process. A little hard work and determination will take you far in this field.    ...

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3 Tips For Buying A Home With Low Insurance Rates

Posted by on Mar 25, 2016 in Uncategorized

When buying a new home, not only are you presented with the new cost of your home’s mortgage and property tax, but you will also have your homeowners insurance rate to worry about. In most cases, there is very little you can do to reduce the cost of your mortgage rate and property tax. However, there are a few solutions that can help you obtain a lower homeowners insurance rate. So, before you select a house to make an offer on, be sure to consider finding ways to obtain affordable homeowners insurance by doing the following: Check the Local Crime Rate: Crime rate can easily influence the cost of how much you end up paying for your home insurance. This is why it is critical that you find a neighborhood with low rates when it comes to the history of crime. You will also want to check for crime trends. If the crime rate in the neighborhood that you are interested in is rising then your insurance rate may be increased years after buying your home. Checking this will help you save on your insurance rate as insurance providers will feel like you are less of a liability by living in a safe community. You will also have a lower chance of having to file a claim for home damages caused by theft, which is another way you can save. Avoid Buying A Home Far Away From A Fire Station Did you know that if your home falls outside of a fire station radius, which can sometimes be a 5-mile distance, you could be paying higher insurance rates? This increase can add up over the time that you live in your home, which is why checking for local fire stations may be something to keep in mind. Consider a Gated Community: Reducing the chance of home theft and having to file claims can definitely reduce the cost of your homeowners insurance. So, if you have been thinking about moving into a gated community, consider doing it if you want to maximize your savings on your insurance bill. Moving into a gated community is another way to avoid home damages as burglars are less likely to put forth the effort and break into your home if there is a huge gate or alarms surrounding your home. Insurance providers will provide you with discounted rates as you are less of a target for home theft. Applying these concerns and tips when shopping for your new house can help you not only find a home that is in a safer neighborhood, but will also help you obtain more affordable insurance rates. Check out the site for your real estate agent for more information....

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How To Obtain Lower Car Insurance Quotes

Posted by on Mar 23, 2016 in Uncategorized

If you are in the market for a new insurance policy, your biggest concern and what will help you select a new insurance provider is likely going to come down to the cost of your policy. Well, if you aren’t receiving any good rates from insurance providers, there may be a solution that you can take advantage of which will help you obtain lower rates and will allow you to obtain quality insurance coverage. So, before you shop around for a new insurance policy, consider doing the following: Remove Points from Your Record: Before you begin applying for quotes from different insurance companies, consider removing any points that you have against your driving record first. Driving points on your record can influence the quotes you receive more than you think and this could end up costing you hundreds, even thousands a year. So, before applying for a new insurance policy, attend a local traffic school center as this will allow you to have the ability to remove points from your record. This will ensure that insurance providers don’t feel like you are a big liability for them to insure as they won’t be able to see any points that have been removed from your record, which can help you obtain lower rates. Drop Your Other Coverages and Bundle With a New Provider: Another great way to save when it comes to your car insurance is utilizing a new insurance company that can cover you with all of your insurance needs. So, when shopping around for a new policy, consider a company that can offer you not just car insurance, but also other policies such as renters, homeowners, and even life insurance. Bundling all of your insurance coverages under one account can help you obtain discounted rates across all of your policies and this is a very effective way to save. Get an Estimate for Your Car’s Value: Knowing how much coverage you actually need is important as this will prevent you from guessing, which can result in you buying more coverage than you actually need. So, don’t get a quote based on the car’s value when you first bought it but based on the value of its current worth. This will help you avoid buying unneeded coverage, so you can be certain that you maximize your savings. Utilizing these tips will help you obtain a lower insurance rate when getting quotes from different insurance companies. Not only will it help you save, but it will allow you to get the most out of your new insurance plan as you won’t have to worry about dropping or reducing coverage in order to save on your insurance bill. Contact a business, such as Cornerstone Insurance Group, for more...

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