| By Brian Stevens
Looking to lower your house insurance rate?
Here are the six best ways to do it.
1. Compare Rates. Because insurance rates can
vary by hundreds of dollars from company to
company, the most cost effective way to lower
you house insurance is to compare rates. You
can do this by calling local insurance companies
on the phone, but it's far easier and much quicker
to go to an insurance comparison website.
At these sites you fill out a simple form with
information about the type of home you own and
the amount of insurance you want. Then all you
do is wait for your quotes and choose the best
one.
Some comparison sites offer an online chat
feature that allows you to talk with insurance
experts on line so you can get answers to your
insurance questions. (See link below.)
2. Increase Your Deductible. By increasing
your deductible (the amount you pay toward a
claim before your insurance kicks in), you can
save 10% to 50% on your yearly premium. Just
make sure you can afford the higher deductible
should you need to file a claim.
3. Consolidate Your Policies. Purchasing both
your homeowners insurance and your auto insurance
from the same company can save you 10% to 30%
on your yearly premium. You'll also only have
to deal with one company.
4. Add Safety Systems. Insurance companies
will give you a discount on your insurance if
you add safety systems such as smoke detectors,
fire alarms, fire sprinkler systems, and fire
extinguishers. This will also make your home
a safer place to live.
5. Install Security Devices. You can get discounts
on your insurance if you install security devices
like dead-bolt locks, window locks, security
lights, and burglar alarms.
6. Request Discounts. Insurance companies offer
numerous discounts you may not be aware of such
as senior discounts, non-smokers discounts,
law officer discounts, military discounts, and
others. Before you purchase your homeowners
policy, ask your agent about all the discounts
his company offers and take advantage of the
ones you're eligible for.
Visit http://www.LowerRateQuotes.com/homeowners-insurance.html
or click on the following link to get house
insurance rate quotes from top-rated companies
and see how much you can save. You can get more
insurance tips in their Articles section.
The author, Brian Stevens, is a former insurance
agent and financial consultant who has written
a number of articles on getting cheap house
insurance rates.
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