SAVE MONEY ON AUTO, HOMEOWNERS, LIFE
AND HEALTH INSURANCE
AUTO
____
OLDER AUTOS, DROP COMPREHENSIVE AND COLLISION COVERAGE
DO NOT LET TEENAGERS IN THE HOUSEHOLD GET DRIVER'S LICENSES FOR AS LONG AS POSSIBLE. THE INSURANCE COMPANIES WILL START CHARGING A HIGHER PREMIUM (50% TO 100%) AS SOON AS A TEENAGER IS GRANTED A DRIVER'S LICENSE
TRY AND MAINTAIN A CLEAN DRIVING RECORD FOR THE ENTIRE HOUSEHOLD. THE BETTER THE DRIVING RECORDS, THE LOWER THE PREMIUMS
LOWER THE DRIVING MILAGE AND CHECK THE MILAGE BRACKETS FOR LOWER PREMIUMS WITH THE INSURANCE COMPANY. (NEW JOB, DRIVES LESS MILES TO WORK) (RECENTLY JOINED CAR POOL) (RETIRED, NO DRIVING TO WORK)
INCREASE DEDUCTIBLE ON COMPREHENSIVE AND COLLISION COVERAGE
HOMEOWNERS
___________
INCREASE DEDUCTIBLE
THERE ARE DISCOUNTS FOR HAVING SOME OR ALL INSURANCE POLICIES WITH THE SAME INSURANCE COMPANY (AUTO) (HOMEOWNERS) (LIFE) (HEALTH) (BOAT) (MOTERCYCLE) (RENTERS) (BUSINESS)
ANY SECURITY DEVICES SHOULD YIELD LOWER PREMIUMS (ALARM SYSTEM) (WINDOW LOCKS) (OUTDOOR LIGHTING)
DROP UNWANTED AND UNNECESSARY COVERAGE RELATED TO YOUR SITUATION. READ AND REVIEW YOUR POLICY
THERE IS A PREMIUM DISCOUNT FOR HAVING A FIRE ALARM SYSTEM AT YOUR HOME
(ALERT) (ALERT) THERE IS NO AUTOMATIC FLOOD INSURANCE COVERAGE IN A HOMEOWNER'S POLICY. HAVING FLOOD INSURANCE COVERAGE AND NOT NEED IT, IS FAR CHEAPER THAN NOT HAVING FLOOD INSURANCE AND THERE IS A MAJOR FLOOD AT YOUR HOME. FLOOD INSURANCE CAN ONLY BE PURCHASED FROM THE FEDERAL GOVERNMENT. INSURANCE AGENTS CAN MARKET FLOOD INSURANCE. CONFIRM THAT THE POLICY IS BACKED BY THE FEDERAL GOVERNMENT
IN NOVEMBER, 2016, THE INSURANCE SERVICE OFFICE (ISO) GAVE 204 OUT OF 47,000 MUNICIPALITIES IN THE UNITED STATES, CLASS 1 FIRE PROTECTION STATUS. THE CLASS 1 FIRE PROTECTION STATUS IS THE HIGHEST GIVEN. FOR THOSE 204 MUNICIPALITIES, THIS WILL MOST LIKELY TRANSLATE TO LOWER HOMEOWNERS PREMIUMS. MOST INSURERS USE SOME FORM OF THE ISO RATING SYSTEM TO DETERMINE HOMEOWNERS INSURANCE PREMIUMS. (MADISON, GREEN BAY, WAUSAU AND FOND DU LAC, WISCONSIN) CONTACT YOUR INSURANCE COMPANY
LIFE
