read and understand the policy - especially what is included and limitations. Make sure you have the coverage you need and aren't paying for coverage you don't need. Duplicate coverage and "add on" or other "riders" may or may not benefit your individual situation so spend time reviewing the terms. Buy what you need and nothing more.
4. Shop Smart. One of the best ways to save on insurance is before you make a new purchase especially when it comes time to buying a new house or car. Bigger isn't always better when it comes to major purchases - it simply costs more to insure and maintain.
5. Multiple Policy Discounts. Even if you don't qualify for other discounts it is a good idea to find out how much you can save by buying all of your insurance at one place. If you own two or more vehicles, a home or even renters insurance then ask about a multiple policy discount. Many companies reduce premiums by 10 percent or more.
6. Other Discounts. If you belong to a professional association, organization, school, or other major entity then ask if you are entitled to a rate reduction. Other common rate reductions include safety related discounts and non-smoker status.
7. Credit Matters. Keep your credit in tip-top shape to qualify for the best insurance rates.
8. Keep Claims to a Minimum. A history of excessive claims can result in difficulty getting the best rates when buying insurance so think twice before submitting a small claim.
9. Life Events. If you have recently married, divorced, retired or other life events then be sure to mention it to your insurance agent when requesting a quote. It might just qualify you for reduced rates for everything from car insurance to a less expensive homeowner's policy.
10. Avoid Gaps. Don't' allow your insurance to lapse! Establish a routine to pay your policy on time and avoid any gaps in coverage to qualify for the best rates.
James Vignione, administrator of Orion Systems specializes in free personal finance software, calculators, and financial information to help people manage and organize their finances more efficiently.
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