There are things that affect your rates be it for life, auto, health or home insurance. If you understand them and take the necessary steps, you’ll get cheaper rates. Here are some of such things…
1. You will get much higher life insurance quotes if you belong to a hazardous line of business. That is an occupation that exposes you to much danger. Switching to a safe profession will lower what you pay for life insurance. I understand it can be tough but, then, the step is yours to make.
2. Pick a car that has the following: Daytime running lights, anti-lock brakes, alarm system and any other security and safety feature. . Since they will keep you and your vehicle safer they are considered better risks by insurers. These will enable you get cheap car insurance.
3. Some individuals find themselves in a situation where they are not qualified for Medicaid and as well find it difficult to pay for traditional health insurance. A discount medical card is a more affordable alternative for people like that.
With these cards you get medical attention from a network of doctors who are contracted to provide their services to card carriers at reduced rates. These cards are not given by any health insurance carrier.
You can make use of this option if you have a medical history that has made health insurance carriers either reject you or give you a rate that is too high. This type of card does not exclude anyone for any reason. Simply pay your monthly fee and you’ll have access to a network of doctors who will bill you less for their services.
4. We sometimes want to renovate our home. No, you’re not thinking about insurance at that moment. You want to make sure that your house is just the way you want it with everything working perfectly well.
But isn’t it good to know that this will as well get you huge discounts on your home insurance policy? Therefore, make sure your agent knows about it.
Brand new homes and houses that have been renovated are lower risks to an insurer and therefore attract more affordable home insurance premiums. But keep it at the back of your mind that the wider the scope of the renovation, the more the savings you’ll get.
5. Maintain your house if you want lower rates. Check for dead branches on trees on your property. What would happen if they fall off at the wrong moment? Such on-the-spot maintenance will take little from you but save you a lot over time.
6. Smart shopping will save you much in premium dollars. Get and compare quotes for all your insurance policies. I recommend that you obtain quotes from a minimum of five or more reputable sites for each policy.
Here are great pages for insurance quotes…