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Reduce Insurance Costs

Adjust Your Deductibles. Perhaps you don’t need a $200 home deduction. If you can live with a deductible of $500 or more you can save significantly from year to year.

Special Discounts. Depending on your age, there may be special discounts you can take that will also reduce your premiums.

Examine Your Policy. Oh, we do think they are correct – right? Well, if your address is incorrect you could be paying more than you should. Check to make sure that your correct zip code is listed…it could cost you money if your insurer has you living in another neighborhood.

Abstain From Bad Habits. If you do not smoke or drink, make sure that your insurance company knows this. Your rate will drop accordingly if this is news to them.

Eat Your Losses. If you have a small claim, consider not submitting this information to the insurance company. Any claims you make can push up your rates down the road thereby costing your more in the long run.

Pay Now, Save Later. Instead of breaking up your premium into monthly payments, consider paying the entire premium at one time. Usually, insurers tack on a surcharge for the privilege of monthly payments.