Quick Tips for Home and Auto Insurance

When you are shopping for home insurance or auto insurance, what should you consider when making your decision? Should you make your decision solely upon cost? What about the quality of the coverage and the level of service? Here are a few key things to keep in mind when shopping for auto insurance:

Can I get local face-to-face service?

Are the billing options flexible?

What discounts do I qualify for?

Remember this; you should get a discount for:

multiple policies with the same insurane company

You should get a discount on your auto insurance if you have your homeowners with the same company and vice versa

You should get a discount if you have more than one vehicle insured with the same company

You should get a discount if you are willing to set your bill up on electonic draft from you checking account

You should get a discount for defensive driving courses

for being ticket and accident free for 1, 3 or 5 years.

On your homeowner's insurance, you should get a discount for:

Having an interior/exterior inspection done

Being able to prove you updated your wiring/plumbing/heat and air system

Having a life insurance policy with the same company

various occupations qualify for discounts---teachers, military, nurses, etc

Various age classes will qualify for discounts.

These are the discounts that you should think of as standard discounts. You may not qualify for all of them, but you should qualify for some of them. If the company your are talking to does not offer these, you should consider shopping around.

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