Home security improvement:
All insurance companies will happily offer you a discount for burglar alarms and smoke detectors. Homes with fire and burglar alarms that communicate with a third party monitoring company receive a higher discount on their insurance premiums.
When possible, choose a higher deductible:
To reduce your premium, it is best advised to increase the deductible to the extent you can afford. Your home insurance premium will fall by as much as 20% if you increase the deductible from $200 to $1000.
Multiple insurance Same provider:
If you consolidate your home insurance and auto insurance with one insurance company, expect a premium reduction between 10 15%. This also means you are making one payment for all your insurance needs. Consolidate and win.
Discount for non-smokers:
Some home insurance companies will offer a non-smoker discount to the tune of 15%. Check with your insurance company if they offer a non-smokers discount.
Americans for Insurance Reform Asks State Insurance Commissioners for Immediate Action on Insurance Rates
Contact: Joanne Doroshow, 212-267-2801, or J. Robert Hunter, 703-528-0062, both for Americans for Insurance Reform
NEW YORK, Sept. 19 /U.S. Newswire/ -- Americans for Insurance Reform (AIR), a coalition of over 85 consumer and public interest groups representing more than 50 million people, sent letters today to insurance commissioners in all 50 states, asking what they plan immediately to do to help those who are being gouged now and need your assistance right away.
These letters follow up AIR s letter of July 30, 2002, requesting insurance departments to undertake 14 different audits, ..
How far is the fire station?
If you live more than 5 miles from the nearest fire station and more than 1,000 feet from a fire hydrant, you can expect a higher premium. Also if you live in the country, you will probably pay higher insurance rate than if you were living in the city.
Type of construction:
The construction type of your home also plays an important role in determining your insurance premium. A wood frame home will cost more to insure than the one built mostly of concrete.
Claims free record and renewal discounts:
If you have not had a claim under your current home owners policy for the past 3-5 years, you will get a 15% discount on your premium. Expect additional discount if your policy has been in force with the same insurance company for 3 years or more.
Conclusion:
I am hopeful you have gained preliminary knowledge on the subject of home insurance premiums. With these helpful tips you will be able to understand and demand discounts on your home insurance premiums. Good Luck!
Auto Parts Discount Features the Best Replacement Lights for BMW, Chevrolet and Toyota; Tips to Prolong Life of Auto Lights Also Offered
Both front and rear lights play significant roles in keeping you safe as you drive so keeping them in tiptop shape and condition is necessary. You can do this by keeping them clean and by regularly checking its connections to other parts of the vehicle.
Although they usually last longer than other auto parts, the headlamps, fog lights, tail lights, corner lights, side marker lights, sealed beam, projector headlights, parking lights, turn signals and other lights in your car need to be replaced as well since they dim as they get older.
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ABOUT THE AUTHOR
"@Copyrights 2005" - Bill A Smith is an insurance agent and insurance advisor for Sunshine home and auto insurance services. Bill has over 10 years of experience in providing insurance services to clients.
Bill Smith7 Sure-Fire ways of reducing your home insurance premium
