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Written by MattHellstrom
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Thursday, 21 May 2009 |
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In all likelihood, you probably already know that you need home and auto insurance. Chances are you couldn't get a mortgage or car loan without specific insurance requirements being met. So like most people, you bought your homeowner's policy when you got approved for your loan and just let the bank's escrow department take care of the bills.
by MattHellstrom
In all likelihood, you probably already know that you need home and auto insurance. Chances are you couldn't get a mortgage or car loan without specific insurance requirements being met. So like most people, you bought your homeowner's policy when you got approved for your loan and just let the bank's escrow department take care of the bills.
If you are like most people, you've never looked at your home insurance policy again after you purchased your house save for the periodic notices of increase in premiums. Or, unless disaster strikes and you need to make a claim. You probably never really looked at your auto insurance after buying your car either, except to grumble at the high premiums.
The typical home or car buyer will shop for the required insurance to try to get the best rates. Rarely however, does the buyer think of purchasing a home and auto insurance policy together with a single insurer. In fact, most people don't even realize that this option exists and continue to purchase policies separately. Availing yourself of this option can actually save you up to 15% of your premiums, surely not small change.
Most insurance companies offer this option, but not all insurance agents will tell you about it. Quite frankly, there's no incentive for them to do so, since it can mean reduced commissions for the agent. You've got to ask to get it and even then, some will tell you it's not such a great idea, because they are two different products and should be purchased and handled separately.
If you're unsure about whether it makes sense to combine your home and auto insurance with a single company, you can start off by asking your current insurer and find out if they offer this and ask for a quote if you switch. Most insurance companies want your business and will be glad to give you a better rate for keeping both coverages with them.
It's a good idea to investigate some of the online insurance comparison services that are out there. Simply by filling out a questionnaire and providing information about your car and home, you can easily find out the best rates available in your area. By comparing the different rates, you are in a better position to obtain a home and auto insurance policy that be far cheaper than your current policies.
The beauty of using online insurance quote comparison sites is that you play "what if?" to your heart's content. You can plug in different values for each component of the home and auto insurance coverage and you'll see rates based on those scenarios. For example, you can see the differences in premium costs if you decide to install a remote home security system, or if you raised your deductible from the typical $500 to $1000 or even more. So, do your homework and you'll soon be pocketing more savings.
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