Have you been paying attention to how much insurance is costing you these days? Overpaying for insurance should be a big concern for any driver or homeowner. After all, insurance coverage does not come cheap. The price you pay for your insurance can vary by hundreds of dollars, depending on the insurance company that you buy your policy from. Here are some things to consider when buying insurance that help can save money.
Shop Around
Each year, a few weeks before my renewal date, I get at least three quotes from different insurance companies. It’s sometimes a good idea to ask friends and relatives for their recommendations based on their experiences and do your own due diligence by researching the company before committing. The insurer you select should offer both a fair price and excellent service. Quality service may cost a bit more, but you buy insurance in case you need to make a claim, so it’s important to get a company with a good reputation.
I have used an insurance broker CYA Agency since 2010 and I have been saving ever since. Using CYA Agency each year their rates come in much lower than the big insurance companies. CYA is an independent agency with the customer in mind. You really get a personal connection, I love it when I call they know who I am without the robocalls. Using an agency such as CYA, they have relationships with dozens of insurance companies, allowing you to get the right price with the right service. Let’s be clear a company such as this represents you, not the insurance company. If you are in Georgia it is worth taking a look at.
Disclaimer: This is not a sponsorship, I am a happy customer of CYA Agency. I have saved money ever since switching to this company. You can learn more at https://www.cyaagency.com/
Raise Your Deductible
I decided to set higher deductibles which reduces what I pay for my premium. Deductibles are the amount of money you have to pay toward a loss before your insurance company starts to pay. By choosing a higher deductible on your car or home insurance, you can significantly lower your premium costs. Of course, be sure you have enough money set aside to pay the higher deductible in the event you have a claim which you should factor in your emergency fund.
Read More: Why an Emergency Fund?
Bundle Your Insurance
I save nearly 15% each year by bundling my home and auto insurance. From experience, many insurers will give you a discount if you purchase two or more types of insurance from them—such as homeowners and auto—or have more than one vehicle insured. There are no guarantees so do your homework.
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