Dec 18

Homeowners Auto Insurance Shopping Tips to Make Insurance Better

There are reasons people should shop for homeowners auto insurance every so often or even year after year. Many people forget that they can save money if they do a quote request on their homeowners auto insurance. This can save people who own a house and vehicle a lot of money if they have been good drivers and took care of their home without any silly claims that can raise rates. Shopping around can also get you better customer service. This can also save you time.

A lot of math can be done to figure out how much you can save on your homeowners and auto insurance but let’s start with the basics. If you are a good driver with a clean record and you do not have claims on your home that are your fault you can save almost $500 or more a year. The commercials you see on TV are true.

As years goes on, you will not be able to save these large amounts but even a few dollars may help. It does not hurt to check. If you take that $500 a year and invest it at 8% a year, you will have $150,000 in 40 years. This is just by saving money on your homeowners and auto insurance and investing it wisely.

Shopping around each and every year for homeowners auto insurance has another benefit besides saving money, it keeps on the companies honest. We live in an age where not only saving money is important, but it is also important to have insurance with an honest and ethical company. If you are with a company who listens to you and supports you over the phone or even in person, you are more likely to stay if it is going to cost you a few extra dollars.

If people are not getting the customer service they deserve, they should shop for a new insurance policy. People have the right to be treated with respect and have their questions answered. If you do leave a company for their bad service, it may tell them that they need to get better, thus improving the industry as a whole.

Having your car insurance with your homeowners insurance can save you a lot of time. If you ever make a phone call to your insurance agent about payments or claims, they can double check you other policy. By doing this they may find ways to save you more money because of new insurance practices the company is doing or even extra insurance for a limited cost. Having your insurance under one roof will save you time.

If people are not saving money like they deserve, they should also shop for better homeowners auto insurance. If your insurance provider is not helping you with your questions or not looking out for you, you should look somewhere else. Having your insurance under one roof does save you time. Overall, it is best just to see what is out there and if you can get something better. You will be able to get better customer service and save some change and time.

Dec 12

Low Cost Pet Insurance – 7 Tips to Find the Best Priced Pet Insurance Plan

Trying to find low cost pet insurance is not too difficult if you know where to look and what to ask for. In most cases you can find insurance for dogs starting under $10 and plans for cats starting under $8.

Obviously these would be entry level plans that just cover basic accident protection but perhaps that is all you want. Clearly, the more money you are willing to pay, the more coverage you can get. But if you are set on finding low cost pet insurance for your pet, here are some tips to help you.

Discounts

Always ask for discounts; since the insurance industry is a competitive one, they offer discounts for many different things to earn your business. For example, if you are a member of certain professional organizations, if your pet has taken training courses, or if they are microchipped, you will likely qualify for a discount. So always ask for discounts!

Deductible

One way to get a lower insurance premium is to ask for a higher deductible. Most plans start off at a $100 deductible, but if you are willing to go up to a $500 deductible you can save even more.

Get 3 Quotes

It is always a good idea to get at least three quotes from different companies to make sure you are getting the best low cost pet insurance. Try to get quotes on three comparable plans so they are easier to compare.

Avoid Upsells

When you call to get a quote most companies will try to upsell you to a more expensive policy. To prevent this from happening to you, make sure it is clear what kind of coverage you want and how much you are willing to pay, otherwise it is to easy for them to get you to agree to a more expensive plan.

Best Value

Don’t just look for the cheapest pet insurance plan, but also which one offers the best value. While it is a good idea to save money, you also need to get good value for that money. So if you find a better plan for a little bit more money that might be a better idea.

Ask Your Veterinarian

It is always a good idea to consult your veterinarian before buying a low cost pet insurance policy. They will likely have had a lot of experience dealing with these companies and can give you many pointers when it comes to which company to buy a policy from.

Actually Call Them

These days you can buy anything online, including pet insurance. But you should call them and find out if they have a responsive customer service department. What good is it paying all that money if you can’t get any claims paid out?

So use these seven tips to help you find low cost pet insurance. But remember the lowest price might not necessarily mean that it is the best value for you. So try and get at least three quotes before making up your decision. Saving evening at a few dollars a month can really add up over the years of paying premiums for your pet.

Dec 05

Car Insurance Tips

One of the best car insurance tips is to go to an online car insurance broker and allow them to search for the lowest premiums for you. This can save you an enormous amount of money and of course a great deal of time because you do not have to phone insurance companies yourself. You are then able to compare the different quotes for both the cost of the insurance and what is included in the policy.

The cost of car insurance will also depend on which policy you take out. There are three different levels of cover, third party only, third party fire and theft and fully comprehensive. Fully comprehensive is the dearest and most complete form of cover you can take. This is then followed by third party fire and theft and finally third party only, which is the most basic from of car insurance.

There are many car insurance tips you can follow to save money on the cost of insuring your car. All insurance providers will ask that you pay an excess on the policy, this means that you stand to a certain amount of the claim and then the insurance company pay the rest. For instance if you are involved in an accident and it costs £300 to repair your car, if the excess is £100 then the insurance company would pay £200. You can increase the amount of excess that you offer to pay and this will keep down the cost of your car insurance. The disadvantage of course is that you would have to find the money if you were involved in an accident.

Another great tip is to increase the security measures on your car. Cars that are kept locked up in a garage are less likely to be stolen or suffer damage from vandalism. The same applies to installing security measures on the car. You can make the car harder to steal by adding such as tracking devices, alarms and immobilizers, all of these will help you to keep down the cost of your car insurance.

Car insurance premiums also take into account age and gender. Women drivers are seen to be the safer drivers on the road as they put in fewer claims than men. Therefore women drivers can get cheaper car insurance premiums. There are many car insurance companies who specifically offer car insurance to women and this is the best way to make huge savings on the cost of your insurance.

One of the best car insurance tips for the younger driver is to improve your safety record. Younger drivers do not have no claims bonus and this can help to keep down the cost of car insurance. The younger driver is often charged high premiums as they are seen as a bigger risk. However you can attend advanced driving lessons which could help to keep down the cost of the insurance. You should also keep the engine size of the car down as the bigger the engine the more it will cost to insure the car. Younger drivers looking for car insurance should also consider taking out third party fire and theft insurance as opposed to fully comprehensive as this is a more affordable type of policy.

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