Saturday, January 31, 2009

Affordable Home Insurance Quotes -- Steps To Bigger Discounts

By Chimezirim Odimba

Affordable Home Insurance Rates: You can enjoy high value home insurance without breaking the bank. All you need to achieve this end are pieces of information (That is, if you make use of them). Let's get into the tips you need to enjoy more affordable rates...

1. You'll save if you buy all your policies from the same insurance company. This is called a multi-policy discount and is available with all insurance companies. But you might save more with different insurance providers than you'll make from a multi-policy discount.

2. You will get cheaper rates if you have motion-sensitive lighting for your home's exterior. Thieves understandably do NOT like to operate in any environment they could be easily seen or caught. The risk of burglary is a strong factor in checking a home's risk to an insurer and, by extension, your premium.

3. A house that has shatter-proof windows will make it easier for you to get cheaper rates. You will get very reasonable discounts by replacing your windows to these if you live in a place where hail storms and high winds are prevalent. You can as well meet with your agent first before undertaking the changes as he or she is in a better position to advise you on how to save the most.

4. Have you being with your home insurer for up to three years? Then make a demand for a loyalty discount. Nevertheless, I don't expect that you stick with one insurance company for that long just because you're waiting to qualify for a loyalty discount.

If it is about paying less, you'll almost always be able to pay less than you are paying at any point in time. The key is doing very extensive shopping. Get quotes from any highly rated home insurance company you know you've never got one from and as well always obtain and compare home insurance quotes from up to five quotes sites about twice every year.

5. If you strengthen your roof you will get lower home insurance premiums. This is very true if you live in the East where high winds are a serious threat. If you want to know how to strengthen your roof and get discounts for doing so, ask your agent.

Finally, don't forget this for any reason...

Visit not less than five insurance quotes sites. Using not less than five quotes sites raise the chances that you'd obtain better home insurance quotes. This is because insurers not covered by one site would be covered by another. And, you know that since your chances of receiving lower home insurance quotes has to do with the range of quotes you get, the more insurers you get quotes from, the higher your chances will be. Requesting for your home insurance quotes online will help you save far more if you sacrifice just 25 minutes to obtain quotes from at least 5 quotes sites. - 15275

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