Get an instant refund with a higher deductible You can save money right now by increasing the deductible (how much you have to pay if something goes wrong) on your insurance policy. This could reduce your premium by up to 25%. Better yet, if you have already prepaid your premium and make this [...]
Combine your insurance to save 10% or more Ask your insurance company (or each of them) if they offer a multi-line discount. This means you save when using the same insurance company for both auto and homeowner's insurance. It could be worth 10% on BOTH of your policies.
Get your insurance quote before you buy Countless factors go in to calculating the cost of homeowner's insurance: location, neighborhood, age of the home, age of the electrical, plumbing and heating systems, proximity to emergency services, and more. So even though two homes may have the [...]
Rethink monthly payment plans for insurance Check your bill when it comes to see if your insurance company charges extra for paying monthly instead of all at once/twice a year. If you are not sure, try multiplying the monthly rate by 12 and see if it's more than the annual rate. If you can [...]
Insure your house, not the land Your homeowner's policy will probably advise that you have sufficient replacement coverage on your home. In fact, your mortgage company will probably insist on it, so you can't really cut back on that. This means that the insurance will cover the [...]