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Cheaper Insurance Rates - These Will Help You Save A Few Thousand Dollars

Published Sunday, September 7, 2008 by bloggerblognet83460 | E-mail this post

If you're looking for lower rates for adequate coverage then you need to be aware of little and overlooked things that could result in massive savings (The sum could easily run into a few thousand dollars for all your policies within the course of a year). Let's look at a few here...

1. Do you have a fire extinguisher or fire extinguishers in your home (depending on the number of fire sources presently in your house)? Your kitchen is one important place to have one or more functional fire extinguishers. It's crucial that the fire extinguisher be good enough for the point it covers.

And, always remember that you must keep them within easy reach. This will help reduce your home insurance rates.

2. Similar to an HMO, a Preferred Provider Organization (PPO) is generally cheaper than regular health insurance. This plan is slightly costlier than an HMO but also offers more options.

It's yours to compare the benefits you'll get with what you'll save to choose if you prefer it to regular health insurance. If you need to make more saving but also need more flexibility than is offered by an HMO, then join a PPO.

3. The level to which you strengthen your roof could get you a discount. Take serious note of this if you live in the East where high winds are more common. Your agent should be able to state things you can do if you want a discount this way. Adding weighty shingles is a possible way to do it.

4. Smokers pay at least twice the rates non-smokers get. Therefore, you'll do yourself a world of good if you quit smoking. Yes, it may take some time for you to be nicotine free. However, you can only get to that status by quitting as soon as possible.

5. Do not modify your car. Modifying or "pimping" your ride will raise your auto insurance rates by a huge margin. If you're bent on doing that then you shouldn't complain about the inevitable higher rates you'll get.

6. Checking your plumbing is a good precaution against water damages. The fact that the most common type of claim on a homeowner's insurance policy is water damage should tell you something. This simply means that if you can show your insurer that you have taken steps to lower or take away the risk of water damage, you will bring down your home insurance rate. And do not forget to inform your agent if you upgrade your plumbing.

7. Get and compare quotes for all your policies. For the best results, visit at least five reputable quotes sites for each policy. Each site should take you just about five minutes. However, this simple exercise could save you a few thousand premium dollars.

Here are great pages for insurance quotes...

InsureMe Insurance Quotes

Insurance Quotes

Chimezirim Odimba writes on insurance.

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