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Wednesday, September 11, 2013

The Simplest Way To Buy Home Insurance Get The Best Price 

The price for insurance has gone through the roof within the past couple of years. It used to be you could buy home insurance online for just $250 to $350 a year, and today the price of the same policy might cost you anywhere from $550 to $1,000.

If you'd like to receive the best rate you can on home insurance, this article shows you the best ways do it.

Research Rates

The simplest way to save the most amount of money on insurance costs is always to check out prices from a variety of companies. The best way to get prices to evaluate is always to head to an insurance comparison online site.

In the "good old days," prior to the Internet, you needed to call or even stop by hometown insurance agencies to get a variety of quotes to evaluate. Now, thanks to the Internet plus the introduction of insurance comparison websites, you're able to do in a few minutes what used to take hours, plus you can do it in the privacy and convenience of your own home.

When you arrive at a comparison site (see below) you are instructed to fill out an easy questionnaire with details about your house as well as the amount of protection you'd like.

In addition, you'll need to fill in the amount of the deductible you would like, together with all of the discounts you will be qualified to receive.

After you complete the questionnaire, you'll submit it, and within just a few minutes you will start getting quotes from various A-rated providers.

Several people I know have been able to save $300 to $500 on their rates, and have even gotten better service, by changing their home insurance from one insurer to another one.

I was able to save $640 a year on my own policy once I compared rates utilizing the comparison site listed below. The entire process took less than 20 minutes, and it was free.

Your Deductible

If you'd like to obtain the best possible price on your policy, you will have to enter every one of the discounts that you are eligible for, and you will need to enter the largest deductible you can afford to pay for. For instance, when you increase your deductible from $100 to $1,000 you will save 15% to 24% on your premiums. Increase it to $2,000 and you will save 20% to 30 %. Increase it to $5,000 and you will save as much as 40% on your insurance.

Combining Policies

If you buy your homeowners plus car insurance with the same company, you could save anywhere from 5% to 15% on your monthly premiums, plus you will have just one agent and one company to deal with.

Security And Safety Discount Rates

You can get up to a 20% discount by using security features in your home, such as alarm systems plus deadbolt locks, and safety features such as smoke alarms, and fire extinguishers. You'll not just lower your expenses, you will also gain peace of mind with the knowledge that you're home is a safe and secure place to live in.

Senior Citizen Discounts

You can receive up to a 10% discount if you're a senior citizen 55 or older, and are retired from your place of work.

Non-Smoking Discount

If nobody in your house smokes cigarettes or cigars you'll be qualified to receive a non-smokers discount that could save you as much as 10% on your premiums.

Miscellaneous Discounts

Your agent may not be aware of each of the discounts you might be entitled to, like discounts for residing in a gated community, or having improved your plumbing or electrical wiring, To ensure that you get each of the discounts you are entitled to, question you agent about each of the discounts he or she has availiable.

Click on the website link that follows in order to find out where to buy buy homeowners insurance online and get the very best price.

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