Lower Your Insurance Premiums By Bundling Your Policies

Category: Personal Insurance

It makes sense to bundle your homeowners, car and personal umbrella insurance policies with the same insurance company. Most insurers offer discounts that can be significant if you buy your home and car insurance policies from them. Typically, the more policies you have, the greater your discounts will be! These are often called multi-policy discounts, and they will still apply even if you have some violations on your driving record—which gives you even more reason to bundle your policies. What’s more, having all of your personal insurance policies in one place will make payment, service and other transactions much easier for you!

We can help you save money on your auto and home insurance with other discounts and savings techniques, including the following:

  1. Maximize your savings with discounts. Most insurance companies offer a variety of discounts for their personal insurance customers. We can help you identify and receive all of the discounts that you are eligible for, including safe driver discounts, low mileage discounts, teen driver discounts, home security discounts, discounts for older homeowners, and more.
  2. Shop around for the best coverage at the best price. We will help you get quotes from multiple insurance companies and make sure that when you are comparing quotes, they are for similar coverage. The quotes we can provide are more comprehensive and will more accurately reflect your situation than anonymous quotes you can get online. We can make sure to bundle your home and auto quotes so you receive the best rates.
  3. Be a good driver. Traffic violations cause your car insurance rates to be higher. Avoiding tickets and accidents will help to keep your car insurance rates down, and many insurance companies offer additional discounts for individuals who keep a clean driving record. If you have violations on your record, you can complete a driver safety course that may help to reduce your rates.
  4. Raise your deductibles. Raising your car insurance deductibles can help you reduce your premiums. The same is true for your homeowners insurance deductibles and premiums. Just be sure that you have enough cash to cover your deductible if you have to make a claim.
  5. Check with us first! Your auto and homeowners insurance rates depend on the value of your vehicle or your home. Before you purchase a car or a home, ask us how it might impact your insurance rates.

Remember, insurance quotes can’t really be compared if they are not for they same coverage levels and deductibles. In addition, other parts of the policies may not be comparable from one insurance company to the next; for example, one company may quote actual cash value coverage, while another might quote replacement cost coverage. It is best to work with an agent who can help you evaluate the quotes and make sure that they meet your needs. We can also work with you throughout the entire quote and application process to ensure that you receive all of the discounts that you are eligible for.

Are you looking to maximize the savings on your auto or homeowners insurance? Do you bundle your policies so you get a multi-policy discount? What other discounts or savings techniques do you use?

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