I know when you all sat on Santa’s lap this year, each and every one
of you asked for lower insurance rates! Right? Well, here are some
tips to make sure you qualify for the “Nice List” this year:
1. Better Be Good: No Tickets, accidents, or claims are the biggest
factor concerning your auto insurance. Even if the Patrolman says
"this won't cause your rates to go up", it doesn't mean you will not
lose a discount you might have on your policy now. In fact, some
homeowner’s policies are even charging for claims now.
2. Better Not Pout: Financial Stability has a big bearing on rates
currently; This is loosely based on credit. Companies do a "back door
hit" and attempt to use their crystal ball in determining who will be
a “better risk”. This process isn’t quite the same as qualifying for
a loan, but wise use of your finances will equate to lower rates.
3. Better not Cry: Multi-policy discounts have the potential to be
HUGE! Unless you have some blemishes that would prevent you from
insuring your Auto with your Homeowners carrier, it usually pays big
to do so.
4. I'm telling you why: Higher Deductibles -- especially on
Homeowners. It used to be the standard to have a $250 deductible, but
now it pays to have a $1000 deductible (or higher). With the
increases in Homeowners’ premiums, it is not unusual to save hundreds
of dollars by upping your low deductible.
I love to talk about saving my clients money, so if you want to know
more about these subjects e-mail us or give us a call!
252 756-5200
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