How to Save on Your Insurance

How to Save on Your Insurance

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


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.

Take Advantage of Low Mileage Discounts

On a typical day, I drive less than 20 miles, especially since I live less than 8 miles from work.  Some companies offer discounts to motorists who drive less than the average number of miles per year (that’s 13,476 miles per year, or 37 miles a day). Low mileage discounts can also apply to drivers who carpool to work.  Make sure that you ask your insurance agent or company, don’t leave any money on the table.


Improve Your Security

I get an additional for a having smoke detector, burglar alarm and deadbolt locks. Some companies have offered to cut my premium by as much as 20% to install a sprinkler system, fire and burglar alarm that alerts monitoring stations. Before you buy such a system, find out what kind your insurer recommends, how much the device would cost and how much you’d save on premiums.


Customer Service

Being frugal isn’t about being cheap, it’s about getting the best overall service, so just don’t shop around for the lowest price.  Remember that you will be dealing with this company in the event of an accident or other emergencies. It is important to get a company with a good reputation. Talk to a number of insurers to get a feeling for the type of service they give. Ask them what they would do to lower your costs.

Be sure to contact your state’s insurance department to find out whether they make available consumer complaint ratios by company. If they do, check into the insurers you’re considering doing business with.

This Post Has 81 Comments

  1. Hester

    What’s up, this weekend is nice for me, for the reason that this moment i am reading this fantastic educational piece of writing here at my home.

  2. Kiersten

    I have been browsing online more than 2 hours today, yet I never found any interesting article like yours.
    It’s pretty worth enough for me. In my opinion, if all web owners and bloggers made
    good content as you did, the internet will be a lot more useful than ever before.
    Woah! I’m really loving the template/theme of this
    website. It’s simple, yet effective. A lot of times it’s tough to get that “perfect balance”
    between superb usability and appearance. I must say that you’ve done a very good job with this.
    Additionally, the blog loads very quick for me on Safari.

    Excellent Blog! It’s the best time to make a few plans for the long run and it’s time to be happy.

    I have read this put up and if I may just I desire to counsel you few interesting things
    or advice. Perhaps you could write next articles referring to
    this article. I want to read more things about it!

    1. musicteacheratl

      Thank you so much! I will take your advice into consideration! Be sure to check back weekly for a new post.

  3. Kill

    Hey there just wanted to give you a quick heads up. The words in your article seem
    to be running off the screen in Internet explorer.
    I’m not sure if this is a format issue or something to do with internet browser compatibility but I thought I’d post to
    let you know. The design and style look great though!

    Hope you get the problem fixed soon. Thanks I couldn’t refrain from commenting.

    Perfectly written! Incredible! This blog looks just
    like my old one! It’s on a totally different subject but it has pretty
    much the same page layout and design. Wonderful choice
    of colors!

  4. John

    I have been browsing on-line greater than three hours these days, yet I by no means discovered any attention-grabbing article like yours.
    It is lovely worth enough for me. In my view, if all site owners and bloggers made excellent content material as you probably did,
    the net might be a lot more useful than ever before.

  5. oprolevorter

    Heya i’m for the primary time here. I came across this board and I find It truly helpful & it helped me out a lot. I am hoping to give something back and help others like you helped me.

  6. I¦ve recently started a web site, the info you offer on this website has helped me tremendously. Thank you for all of your time & work.

  7. Selling annuity

    Fantastic blog you have here but I was wanting to know if you knew of any
    message boards that cover the same topics discussed here?
    I’d really like to be a part of community where I can get responses from other experienced individuals that share the
    same interest. If you have any recommendations, please let me know.

  8. Warner

    Good day! I could have sworn I’ve visited this website before but after browsing through a few of
    the articles I realized it’s new to me. Anyways, I’m
    certainly delighted I came across it and I’ll be bookmarking it and checking
    back often!

  9. What’s up everyone, it’s my first go to see at this site,
    and paragraph is genuinely fruitful in support of me, keep up posting such articles or reviews.

  10. Sherryl

    Hello mates, how is everything, and what you want to say concerning this post, in my
    view its actually awesome in favor of me.

  11. What’s up every one, here every one is sharing these kinds
    of familiarity, thus it’s fastidious to read this website, and I used to pay a quick visit this blog daily.

  12. quickbooks checks

    If you are going for best contents like me, only pay a quick visit this web
    page everyday because it gives quality contents, thanks


    Wonderful beat ! I would like to apprentice whilst you amend your website, how could i subscribe for a weblog web site?
    The account aided me a applicable deal. I were a little bit familiar of this your broadcast provided vivid clear concept

  14. Sibyl

    Hi there, after reading this remarkable post i am too
    delighted to share my know-how here with mates.

  15. Rolando

    Way cool! Some extremely valid points! I appreciate you penning this post and the
    rest of the website is extremely good.

  16. how

    I’ve been surfing online more than 3 hours today, yet I never found
    any interesting article like yours. It’s pretty worth enough for
    me. In my opinion, if all web owners and bloggers made good
    content as you did, the internet will be much more useful than ever before.

  17. Roxana

    Way cool! Some very valid points! I appreciate you penning this article and also
    the rest of the website is also really good.

  18. Judi Online

    This information is invaluable. How can I find out more?


    Hi, i read your blog occasionally and i own a similar one and i was just wondering if you get a lot of spam responses?
    If so how do you prevent it, any plugin or anything you can suggest?
    I get so much lately it’s driving me mad so any assistance is very much appreciated.

    1. musicteacheratl

      I get a few, however; I am new to this so I’m not sure of all of the resources that’s out there.

  20. These are truly wonderful ideas in concerning blogging. You have touched some nice things here.
    Any way keep up wrinting.

  21. Jerrod

    We are a gaggle of volunteers and starting
    a brand new scheme in our community. Your site provided us with valuable information to work
    on. You’ve done an impressive job and our entire
    community shall be grateful to you.

  22. Can I simply say what a comfort to find somebody that actually understands what they’re talking about over the internet.
    You definitely understand how to bring an issue to light and make it important.
    A lot more people ought to check this out and understand this side
    of your story. I can’t believe you’re not more popular since you definitely possess the gift.

  23. Pearl

    Your means of telling all in this piece of writing is really nice, all be capable of simply know
    it, Thanks a lot.


    This design is incredible! You most certainly know how to
    keep a reader amused. Between your wit and your videos, I was almost moved to start
    my own blog (well, almost…HaHa!) Fantastic job. I really loved what you
    had to say, and more than that, how you presented it.
    Too cool!

  25. tertulianyc

    It’s nearly impossible to find knowledgeable people about this
    topic, however, you sound like you know what you’re talking about!

  26. Judi Online

    What’s up, everything is going well here and ofcourse every one is sharing data, that’s in fact excellent, keep up writing.

  27. Judi Online

    Hello, I read your new stuff on a regular basis. Your writing style
    is awesome, keep it up!


    Hi there all, here every person is sharing these know-how,
    therefore it’s pleasant to read this weblog, and I used to pay a quick visit this webpage
    every day.

  29. Lurlene

    I just like the helpful information you supply in your articles.
    I’ll bookmark your weblog and test again right here regularly.
    I’m relatively sure I’ll be informed plenty of new stuff right right
    here! Good luck for the following!


    Very soon this website will be famous among
    all blogging and site-building viewers, due to it’s nice content

  31. Monte

    Hi there, the whole thing is going fine here and ofcourse every one is
    sharing information, that’s really good, keep up writing.

  32. Ilene

    Hello there I am so happy I found your weblog, I really found you
    by accident, while I was browsing on Aol for something else, Nonetheless I am
    here now and would just like to say many thanks for a marvelous post and a all
    round exciting blog (I also love the theme/design), I don’t have time to look over it
    all at the minute but I have saved it and also added your RSS feeds, so when I have time I will be
    back to read much more, Please do keep up the great work.

  33. Linnie

    Great delivery. Solid arguments. Keep up the great work.

  34. Latasha

    Awesome! Its actually amazing piece of writing,
    I have got much clear idea about from this paragraph.


    Really when someone doesn’t understand then its up to other viewers that they will assist, so here it occurs.

  36. Your style is so unique in comparison to other people I have read stuff from.

    Thank you for posting when you have the opportunity, Guess I will just bookmark this page.

  37. Gordon

    Hi there to all, it’s truly a pleasant for me to
    visit this site, it consists of useful Information.

  38. I was wondering if you ever thought of changing the layout of
    your blog? Its very well written; I love what youve got to say.
    But maybe you could a little more in the way of content so people
    could connect with it better. Youve got an awful lot of text for
    only having one or two images. Maybe you could space it out better?

  39. Hey there! I know this is somewhat off topic but I was wondering which blog platform are you using for this
    website? I’m getting fed up of WordPress because I’ve had issues with hackers and
    I’m looking at alternatives for another platform. I would be great if you could point me in the direction of a good platform.

  40. Samgong Online

    Woah! I’m really digging the template/theme of this website.
    It’s simple, yet effective. A lot of times it’s tough to get that “perfect balance” between user
    friendliness and visual appearance. I must say
    you’ve done a superb job with this. Also, the blog loads
    super quick for me on Chrome. Exceptional Blog!

  41. Greetings I am so thrilled I found your blog, I really found you by mistake, while I was searching on Bing for something else, Anyhow
    I am here now and would just like to say cheers for a marvelous post and a all round enjoyable blog (I also love the theme/design), I don’t have time to read it all at the minute but I have book-marked it and also added in your RSS
    feeds, so when I have time I will be back to read a great deal more, Please do
    keep up the great b.

  42. Judi Online

    Hi there i am kavin, its my first time to commenting anywhere, when i read this piece of writing i thought i could also make comment due to this brilliant article.

  43. Useful information. Lucky me I found your web site unintentionally, and I am shocked why this accident did not came about earlier!
    I bookmarked it.


    Hi to every one, it’s in fact a fastidious for me to go to see this
    site, it contains helpful Information.

  45. I really like what you guys tend to be up too. This type of
    clever work and coverage! Keep up the terrific works guys I’ve added you guys to blogroll.

  46. Olen

    I believe that is one of the such a lot significant information for me.
    And i’m happy reading your article. However should remark
    on few general things, The website taste is ideal, the articles is actually
    great : D. Just right job, cheers

  47. Miles

    When I initially left a comment I appear to have clicked the -Notify me when new comments are added- checkbox and now each time
    a comment is added I get four emails with the same comment.
    Is there an easy method you can remove me from that
    service? Thank you!

    1. musicteacheratl

      i’m not sure exactly, I will forward this comment to the hosting site for any advisement.

  48. Shenna

    Simply want to say your article is as surprising.
    The clarity in your post is just cool and i can assume you are an expert
    on this subject. Well with your permission let me to grab your feed to keep updated with forthcoming post.
    Thanks a million and please continue the rewarding work.

  49. Judi Online

    I read this post completely concerning the resemblance of hottest and preceding technologies,
    it’s remarkable article.

  50. Judi Online

    For most recent information you have to go to see web and on the web I found this site as a finest site for most up-to-date updates.


    I for all time emailed this web site post page to all my associates,
    because if like to read it afterward my contacts
    will too.

  52. Generally I don’t read article on blogs, however I
    wish to say that this write-up very compelled me to try and do it!
    Your writing taste has been surprised me.
    Thank you, very great post.

  53. Does your blog have a contact page? I’m having trouble locating
    it but, I’d like to shoot you an email. I’ve got some suggestions for your blog you might be
    interested in hearing. Either way, great blog and I look forward to seeing it develop over time.

  54. Judi Online

    I am not positive where you are getting your info, however great topic.
    I needs to spend some time studying more or working out more.

    Thank you for excellent info I was looking for this information for my mission.

  55. You actually make it seem so easy with your presentation but I find this matter to be actually something that I think I
    would never understand. It seems too complex and
    very broad for me. I’m looking forward for your next post,
    I will try to get the hang of it!

  56. I have been surfing online more than three hours today, yet I never found
    any interesting article like yours. It is pretty worth enough for me.
    Personally, if all webmasters and bloggers made
    good content as you did, the net will be a lot more useful than ever before.

  57. Lois

    Hi to every one, since I am genuinely eager of reading this
    blog’s post to be updated daily. It contains good information.

  58. sex

    You should be a part of a contest for one of the best websites on the internet.
    I will highly recommend this blog!

  59. I was recommended this website by my cousin.
    I am not sure whether this post is written by him as no one else know such detailed about my trouble. You are wonderful!

  60. Hello colleagues, how is the whole thing, and
    what you desire to say regarding this post, in my view its in fact
    amazing for me.

  61. hello!,I love your writing so so much! share we be in contact extra approximately your article on AOL?
    I require an expert in this house to unravel my problem.
    May be that is you! Looking ahead to look you.

  62. Hi there very cool blog!! Man .. Excellent .. Wonderful ..
    I will bookmark your web site and take the feeds additionally?
    I am happy to find numerous useful info right here within the put up, we want
    develop extra strategies on this regard, thank you for sharing.
    . . . . .


    You really make it appear so easy together with your presentation but I in finding this matter to be actually
    something which I feel I might never understand. It kind of feels too complex and very broad for me.
    I am having a look forward on your next submit, I’ll try to get the cling of it!

  64. Your style is unique in comparison to other folks I ave read stuff from. Thanks for posting when you have the opportunity, Guess I all just book mark this site.

Leave a Reply