Why Working With the Right Insurance Agency Might Make All the Difference
4 Ways to Reduce Your Insurance Premiums
You might not know this but, there are several easy ways to save on your insurance premium. If your home or car insurance seems high, then it may be time to take action. But where should you start? Making small changes in your deductible levels or even making small home improvements could be all it takes. Sometimes, however, the most important thing you can do is shop around for a better deal. Remember, insurers have different premium rate structures and here is where Rotunno Insurance Agency can help you out. Check out these tips on how you can reduce your insurance premiums and then give Rotunno a call.
Review Your Insurance Policy Yearly
Insurance policies are not cast in stone — you will be surprised at just how often they can change. If your insurance premiums continue to rise, it’s wise to look around for a different insurer with a better rate. At Rotunno Insurance Agency, we will work hard to find the right insurance policy for you. We compare different rates from multiple insurers to help you get the same or better benefits at more affordable rates.
Remember, the higher the risk, the higher the premiums. So, simple home improvements such as adding a security system or improving the lighting around your home could mean better rates for you. It’s important to mention these improvements to the insurer beforehand. Also, be sure to let your insurer know if you are part of a Home association (HOA). Since these properties face a lower risk of theft and are usually well maintained, you are more likely to get a lower premium.
Choose Higher Deductibles
The more out-of-pocket deductible you agree to pay before the insurance policy kicks in, the lower your premium will be. Instead of lower deductibles with relatively higher premiums, insurers may want to consider reducing their premium by raising their deductible. Just be sure to have some money set aside to pay the deductible if disaster strikes.
Get Your Auto and Home Insurance From the Same Insurer
It is common for an insurer to give you a discount when you have more than one insurance policy from the same company. Also, if you have more than one vehicle, consider buying your insurance from the same insurer — this may also help lower your premiums.
Take advantage of every possible opportunity to get the best out of your insurer. Getting an insurance broker that understands and truly cares about you will advise you accordingly. Here at Rotunno Insurance Agency, we believe in going above and beyond to help you stay protected, without overpaying. Give us a call today and let us find the best coverage for you.