If you are just like me, insurance costs become a big deal for your monthly budget. I live in Florida, and it seems that insurance rates keep rising and there is no sign of stopping. You can call me conservative or republican, but I support people who take the initiative to help the problem of rising insurance costs, instead of waiting for the government to do something about it. Insurance companies reward those people and those real properties that pose less risk to them. Here are some of the ideas I have raised for how you can save money on your insurance premiums by reducing the risk in your life.
Insurance for homeowners
- Install a security system at your home. Many insurance companies will give you a credit on your premium if you have a security system installed in your home.
- Remove trampolines, diving boards, slides or other dangerous things from your property. You might think that trampolines and slides are fun, but insurance companies see them as a nightmare when it comes to a liability claim.
- Install hurricane shutters if you live on the coast.
- Buy a house built with a concrete block and one with a hip roof. A hip roof looks like a trapezoid when you look straight at it.
- Increase your deductible for comprehensive and collision coverage. This will help your premium considerably.
- Buy a car with high safety ratings. A car with many airbags, ABS and anti-theft systems will justify lower premium rates from insurance companies.
- Drive safely! You all know that the more accidents and tickets you get, could affect the costs you have to pay for car insurance once you start buying from another carrier.
- Ensure good health. Non-smokers, moderate drinkers and people who exercise and eat healthily pay less for life insurance. This can help you save thousands in the long run. Hold on to good quality life insurance. Term life insurance does exactly what life insurance should do – a supplement to your income to support your family in the event of an unexpected death. Stay away from life insurance products that package an investment product together. In general, the reimbursements are terribly high, the return is terrible and life insurance was never intended as an investment product.
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