House/Homeowner’s Insurance Tip: If an agent is aware that your dog is a pit bull, you may be paying more in home insurance. If your best friend is now in doggie heaven and you're getting a poodle, let your agent know.
House/Homeowner’s, Auto, and Health Insurance Tip: It’s recommended to “shop” your insurance carrier and agent so that you can be sure you are getting the best “bang for your buck”. However, stick around and some agencies will reduce premiums by 5 percent or even 10 percent if you've been with them for several years. Still, compare rates every once in a while. A 5 percent discount on an outrageous price is likely worse than no discount on a reasonable price.
House/Homeowner’s, Auto Insurance Tip: Some homeowners and auto insurance agencies will give you a discount if you've had a loss-free record or safe driving record for several years. If that's you, it can't hurt to ask if you have that discount.
Renters Insurance and Auto insurance Tip: If you buy your renter's insurance, which is typically cheap, from the same agency that handles your auto insurance, you'll probably get such a significant discount (maybe $100 to $200) with your car insurance that you'll wind up getting free tenant insurance (which may run as low as $150 per year) for your valuables.
House/Homeowner’s, Auto, and Health Insurance Tip: Pay your other bills on time. If your credit score goes down due to missed mortgage payment and credit card payments, sometimes your insurance rates will go up. Unfair, perhaps, but the insurance companies then assume you're a risk with them as well.
House/Homeowner’s Insurance Tip: If you have an umbrella insurance policy, see what happens if you raise the coverage. Often, if you change coverage from $300,000 to $500,000, your umbrella insurance will go up a couple bucks a month, but your homeowners insurance might drop $10, giving you more overall coverage for $8 less. Why? Because you've demonstrated that you understand the value of money, and that you're likely to be a responsible homeowner.
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