subject: Tips For Online Insurance Comparison Helps Property Owners Locate The Excellent Rates [print this page] Many consumers are looking for ways to economize. They need help in finding the best possible costs without losing large benefits. By using online insurance comparison, many homeowners are able to find better rates to cover their home from catastrophes of life. Consider the following ways to lower the cost to insure a home.
Select a larger deductible. The larger deductible often results in considerable savings to the consumer. While many standard policies offer a $500 deductible, increasing to the $1,000-2,500 range reduces the premium paid, often by as much as 20%. Before choosing this option, homeowners should be informed that they would have greater out-of-pocket expenses if a disaster strikes. However, the lower rate made possible can be worth the risk of higher expense in a disaster.
Bundling policies for the vehicle along with the home can also save money for the insured. Carriers reward customers willing to purchase both types of coverage from the same company with a 15% savings on both policies. Many companies offer this multiline policy discount.
Only insure the home and its contents but not the land on which it sets. Homeowners who pay to cover the ground are paying too much for the policy. Even if the home and all its contents are lost due to a catastrophic event, the land will retain its value. Lowering the coverage to only that which would be lost can significantly reduce the cost of coverage.
Be sure to ask about any discounts companies may offer. Often consumers do not receive such discounts because they are unaware of their existence. Common discounts include those offered for home security systems, nonsmokers, long-term customers and senior citizens. Fire retardant roofing, deadbolt locks, smoke detectors and home security systems can allow the policy holder to receive a discount. When a home is smoke free, the chances of fire are reduced and the coverage cost can be lower. Senior discounts can help those with fixed incomes. Before choosing another company, speak with a representative of the current company and ask about discounts for continuous coverage with the company.
Before consumers make comparisons, they should decide the type and amount of coverage needed. Be sure to inquire with the current carrier about any discounts being missed. Do not forget that multi-line discounts may be lost on both policies if only one is changed, so the savings on a homeowner's policy could be lost on the vehicle.
Most financial experts agree that consumers should compare a minimum of four quotes for coverage, including their current carrier. Be sure the quotes being compared are for similar dollar values of coverage as well as similar deductible amounts. Be sure to read any fine print.
The internet offers a great way of comparing prices and coverage offered. Many companies providing policies offer free quotes. At times, it is worth switching, even though the consumer may lose a long-term discount or a multiline policy. The best way to find great prices is to use an online insurance comparison to locate excellent prices.
by: Tracy Narvaez
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