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Combining Your Car and Home Insurance

21-insurance -> Save Money by Combining Your Car and Home Insurance

Many drivers can receive a discount by purchasing auto and home insurance through the same provider or by buying more than one policy. Follow these easy steps below (on your own or with the help of an agent), and there’s a good chance you can save yourself money in the long run:

• Increase a home or car insurance policy's deductible if no claims are made on the account.
• Review a home insurance policy to check if reduced coverage is realized.
• Transfer high-risk coverage to a separate insurance policy, if your research shows that doing so will save money. For example, many providers offer flood damage as a separate policy. Check if the home insurance policy has no conflicts with this arrangement.
• When buying new coverage, shop around because the results may save you hundreds of dollars per year.
• Install security, like a home alarm system.
• Purchase a home near a fire station to increase security.
• Have your home surveyed for wind mitigation factors and submit the survey to your home insurer for discounts related to the survey results.

In addition to combining home and auto policies, car insurance rates tend to drop in price as we grow older and become more experienced and responsible drivers. Here are some extra ways that seasoned drivers can save on their policy:

• No accidents or claims within three to five years.
• No moving violations.
• Installing theft deterrents in your car like an alarm system.
• Purchasing a safe vehicle versus a poorly rated sports cars and the like.

When you combine both home and auto insurance through the same insurance company, there’s usually no delay in the discount happening. Typically, the discount is a few hundred dollars but depends on the value of your home and car. To learn more about combining your car and home insurance to save you money, visit the website of a prospective insurer to review their offers. You can also contact an agent or call the insurance company directly.

We provide referrals to insurance agents, so you can get fast, free quotes. Compare prices and save money today!