Saving money on your auto insurance and home insurance can seem to be a difficult task. Many websites state that they can help you save money on your auto insurance, but you quickly realize that they’re just a site trying to sell your information to another company. Be careful when you shop your car insurance because identity theft is prevalent in today’s society. So instead of going to a website that sends your information to a bunch of different agents, you can start here and get a quote right away.
Most auto insurance and home insurance companies offer discounts for seatbelts, safety features like airbags, and anti log brakes. Everyone knows that if you insure your auto insurance and home insurance in a package, you can lower your insurance rates.
As an insurance agent, we can offer a few additional tips to lower your auto and home insurance payment. The bottom line is that it pays to know what discounts to ask for when you’re shopping for auto insurance and home insurance. The following tips will help you better shop your auto insurance and home insurance:
- Always look for package deals first. Some companies offer multi-policy discounts or account credits which can lower your rate by as much a 30%. Texas Auto Insurance and Home Insurance companies want more account business to balance their portfolios.
- Don’t wait until the last minute. When you receive your renewal statement in the mail, start shopping then. Now companies are giving discounts if you shop early and make your decision at least a week or two ahead of time. If you wait until the last minute, that could cost you 10% on your rates.
- Carry more than the state minimum coverage. Auto insurance companies are now giving discounts and lower rates for having higher limits before your switch your insurance.
- Consider Increasing your Deductible. If your deductible is $250, raising it to $500 could decrease your premiums. Also many Texas auto insurance companies are now offering “decreasing” or “diminishing” deductible options as an addition to their standard auto insurance policy. So if you have a good driving record with a $500 diminishing deductible, odds are that your first auto insurance claim will have a lower deductible than you expect.
- Keep up with your home maintenance. Typically, our home insurance increases as our homes get older. Did you know that if you’ve had your roof replaced because of a hail storm you may get a discount on your home insurance? By keeping up with the plumbing, electrical, air conditioning and roofing, you may save money on your home insurance by reporting these things.
Our website is different than other websites. We save you money on your car insurance and home insurance because we are actually insurance agents and we represent many Texas Insurance companies. It pays to shop your auto insurance and home insurance with an independent agent that will look for the packages that will give you the lowest rates. Also by going directly to the company, we cut out the hassle of making and receiving a bunch of phone calls. Once we enter your information, we get several auto insurance quotes and several home insurance quotes instantly.
All of our auto insurance carriers are A-rated Texas Auto Insurance companies. Those companies include Safeco, Progressive, The Hartford, Travelers and more.
We also represent many home owners insurance companies as well. Since you can choose from The Hartford, Travelers, ASI Lloyds, and Kemper for your home insurance you can be sure that you’re getting the best deal with the least amount of hassle.
So the next time and auto insurance company or home insurance company tells you that they can give you the lowest rate, ask them home many companies they represent. If they only have one or two auto insurance or home insurance companies, and they don’t ask you about your home renovations then they might not be giving you the best rates on your auto or home insurance. If that is the case, call us at 214-717-4326 or click here, and we will shop your auto insurance and home insurance and find the best package for you.