Miscellaneous

Are you paying too much for your auto and home insurance? Follow these tips to get cheap auto and home insurance quotes.

Take Advantage of Multi-Line Discounts

If you have your auto and home insurance with different companies, you are almost definitely paying too much! Most companies offer discounts if you have both your auto and your home insurance through them. Move your auto and your home insurance to the same company and take advantage of these discounts.

Save With Other Discounts Too

In addition to the auto/home discount, you may qualify for other discounts on both your auto and home insurance. With discounts, you can save money on your premium without having to reduce your coverage. Common discounts for your auto insurance include:

• Good-student discounts
• Defensive-driving course discounts
• Three-year accident free discounts
• Safety features discounts (airbags, anti-lock brakes)
• Anti-theft discounts (burglar alarms, steering wheel locks)

Common discounts for your home insurance include:

• Security device discounts (burglar alarms, dead-bolt locks)
• Safety device discounts (smoke detectors, fire extinguishers)
• Non-smokers discounts
• Construction features discounts
• Senior citizen discounts

The more discounts you get, the cheaper your insurance, so be sure to ask your insurer about any discounts you may qualify for and include them in your policy.

Shop Around

Insurance companies are definitely not all the same. In fact, your premium can vary by hundreds of dollars from one insurance company to another. The only way to make sure you're getting the cheapest rate possible is to shop around for your auto and home insurance.

Think that means spending hours on the phone calling or visiting insurance offices? Maybe ten years ago, but not anymore. Now, you can sit in front of your computer and get insurance quotes quickly and easily.

All you have to do is go to an insurance comparison website and type in your insurance information. Before you know it, quotes from multiple insurance companies will begin to arrive for you to choose from.

On the best insurance comparison websites, you can even talk with insurance professionals and ask about additional other ways to lower you auto and home insurance rates (see link below).