How to get the best deal on insurance

How to get the best deal on insurance

Follow these tips from insurance professionals to make sure you're getting the best deal:

  • "If you're shopping for a new home, consider the proximity to a fire station and fire hydrants," says Vickie Montney, agent for highly rated Artisan Insurance Group in Tampa, Fla. "If you're more than five miles from a fire station or more than 1,000 feet from a fire hydrant, you'll pay several hundred dollars more per year for your policy."
  • "A security alarm can take 10 to 20 percent off the annual premium of your policy," says Joan Jochum, agent for highly rated Jochum Insurance in Cleveland. "You save more if the system links directly to emergency response teams rather than to a monitoring company. Deadbolts, fire extinguishers and smoke detectors can save you money as well."
  • "You can save money by switching to a higher deductible policy," says Kevin Watkins, agent for highly rated State Farm Insurance in Santa Clarita, Calif.
  • "Cut down dead trees and overhanging branches," Montney says. "If you're not maintaining the property, companies can cancel or not renew a policy."
  • "If you're in a hurricane area, have storm shutters," says Daniel Juliani, owner of highly rated Juliani Insurance Services in Wellesley, Mass. "Insurance companies also look at electrical systems to make sure they have breakers and that furnaces have had a new burner within the last 25 years. These things don't necessarily save you money on a policy, but they can make you ineligible for coverage."

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