Bryan Stevens: Hi my name is Bryan Stevens. I'm a former insurance agent and financial consultant and I want to show you the top ten tips to save money on home insurance.
First; comparison shop. Comparison shopping is the number one way to save money on your home insurance. You can save $500 to $1000 on your yearly premium simply by comparing rates from various insurance companies. Go to a comparison website, where you can get rate quotes from different companies. Compare those quotes, and then choose the best one.
Second; raise your deductible. Raising your deductible from $250 to a $1000 can save you up to 25% on your insurance premium.
Third; consolidate your insurance. Purchasing your home insurance and your auto insurance in the same company, can save as you as much as 30% on the insurance.
Fourth; install security devices. Installing deadbolt locks, burglar alarms, window locks and security lights can get you a good size discount.
Fifth; install safety features. most insurance companies give discounts if you have smoke detectors, fire alarms, fire extinguishers and spring core systems in your home.
Sixth; insure only your home. make sure you're insuring your home and not your home and your land.
Seventh; stop smoking. Most insurers give discounts, if every one in your home is a non smoker.
Eighth; get a senior discount. If you are 55 years or older, you may be eligible for a senior discount.
Ninth; check your credit rating. Insurance companies now use credit reports to rate your risk factor. Check your credit report and have any invalid entries removed.
And tenth; as for discounts. Some insurers will give you a discount if you are in the military or law enforcement or a single parent or for a host of other reasons. Take advantage of all the discounts, you are eligible for.
The best way to save money on home insurance is to comparison shop online. And the easiest way to do that is to get rate quotes from an insurance comparison website. Its quick, it's easy and it's free. Visit LowerRateQuotes.com to compare home owners insurance quotes from top rated companies and see how much you can save. You can get more insurance tips in their article section and get answers to your questions plus get advice on how to lower your premium from an insurance expert by using their online chat service.
To visit this site, just enter www.LowerRateQuotes.com in your internet browser.
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