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6 Ways to Save Money on Insurance in 2011 by

LOS ANGELES Feb. 1, 2011

Cutting your insurance is never a good move until you’ve had the opportunity to sit down with your agent and make sure you’re not leaving yourself open to added costs and possible liabilities down the road.

As can show you, there are many opportunities for consumers to save on their insurance needs and not cut themselves short in the process.

Some ways to save on your different insurance needs:

  • If you’re looking to save on health insurance, increasing your deductible is an option. The larger your deductible, the less your monthly premium will be. Remember that you will be responsible out of your own pocket for medical bills until you reach the deductible. Another way to save on health insurance costs is the simple practice of engaging in a healthier lifestyle. Fewer trips to the doctor add up to savings for you.

  • If saving on your auto insurance is a priority, among the ways to save is by taking advantage of a variety of discounts. Driving shorter distances and even taking mass transportation to work is a money saver, while having a number of safety features on your vehicle is too. Among the features are anti-lock brakes, airbags and certain anti-theft devices.

  • Looking to save on your homeowners’ insurance? First, make sure you have a number of security and safety features in place. Items like burglar alarms, deadbolt locks and smoke detectors can lead to discounts depending on the insurer. Another way to save is by making sure your credit is in good standing. Many homeowners’ insurers check your credit and base the policy on such information. If your credit is not the best, look for an insurer that does not run credit checks.

  • When the goal is to save on your renters’ insurance, there are many options. One way is by renting in a good neighborhood. A large local crime rate will lead your premium to increase substantially. Residing in an area prone to natural disasters (hurricanes, floods, etc.) will also result in a higher premium.

  • If cutting down on your life insurance premiums is a priority, you can do that too. One way to save is by paying your premium annually as opposed to monthly. As it turns out, paying more often than one time a year generally is more expensive. Secondly, are you obese, smoke or have other health issues? Guess what? You will pay more money for such issues, so get out and exercise, quit the cigarettes and have a regular physical.

  • Finally, do you have a number of policies with different insurers? Think about combining your policies. For example, if you have your auto insurance with Company A and your homeowners’ coverage with Company B, consider moving one or the other so they are with one insurer. Many insurers will offer a multiple coverage discount when you do all your business with one company.

When you visit for your FREE quotes, savings comes to the forefront.


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