5 Easy Ways to Cut Your Insurance Costs Today
A clean driver’s record can save you anywhere from 10-25% on your premium. Good students with a B average or better can also qualify for substantial savings. Keeping all your policies under one insurer often brings the biggest savings. Combining auto and home insurance with the same provider can often cut your premiums by up to 20%.
Review your policy with a trained eye and consider trimming redundant coverage. For example, if your vehicle is worth only a few thousand dollars and the annual cost of collision and comprehensive coverage is more than 10% of that value, you may be overpaying for your insurance. It’s important to strike a balance between costs and coverage, and a skilled agent can help you find the right solution for your unique situation.
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Consider Bundling
Many consumers end up with a hodgepodge of policies across multiple insurers because they buy coverage based on initial prices and convenience instead of doing the proper research and looking for smart ways to save. Bundling insurance policies often unlocks significant savings, as well as convenience benefits like consolidated billing and simplified policy management.
When you bundle home and auto insurance with the same company, for example, you may save 5-25% off your annual premiums. In addition, the consolidation of two policies into one simplifies renewals, payments, and claim processes. It can also help streamline communication between the insurer and consumer.
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You can bundle more than just home and auto insurance, too. Some insurers offer discounts when you purchase multiple types of policies, including motorcycle insurance, boat insurance, and renters insurance. Bundling isn’t always the best option for everyone, but it can be a great way to save without cutting corners.
In addition to the financial benefits of bundling, some insurers offer unique additional coverage options for bundled policies that you may not find with standalone options. For example, some companies provide telematics programs that can lower your car insurance rates if you demonstrate responsible driving habits. Other providers offer discounted home and auto insurance for armed forces members or those with certain jobs.
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