By Dr. Kavita
I am yet to meet someone who likes to pay more to insurance companies. Considering that we all have a universal aversion to paying more towards our insurance bills, we have to devise efficient ways to cut back our insurance bills.
Here are three easy steps that will lead towards a cheaper insurance for every one of us:
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Bundle up all your insurance providers into one
It makes no sense, at last financially to have several different insurance providers to cover health, life, auto and home insurances for you. Instead, if you opt for a single service provider who has all these types of insurances on offer, then you can save a lot of money simply because of bundling up all your insurance with one provider.
But let me present a small suggestion at this point. Before you choose an insurance provider to bundle all your insurance needs with, just look around and compare the deals on offer. See which is the best insurance company that gives you the best deal, then you can jump to this insurance provider. Instead of blindly choosing one provider, use the one which provides the cheapest combo deal.
Higher deductibles
Higher deductibles seem scary at first impression. Well, that is normal and probably that is because it contains the word ‘higher’ in it. If you get over your initial fear and do your math, choosing a higher deductible will actually prove to be a cheaper deal to you over time.
Choosing a high deductible means that you agree to pay a higher amount when you put in your insurance claim. As you may already know, deductibles are supposed to be prepaid before you can demand to get your insurance claim amount settled in your favor. Just by agreeing to pay a higher amount towards this deductible will lower your insurance premium rates and thus lead to lower bills each month / year for you.
Click here to compare insurance offers and cut your bill significantly. Save 100s.
See if you qualify for any kind of discounts
Some of the insurance discounts are quite easy to qualify for like you are a non-smoker, or you have installed burglar alarms in your home, you are over fifty and so on. Just find out what kind of discounts you qualify for and then call up your insurance company to intimate them about it. If they are assured about your qualification, they will gladly offer the discounts to you.
Another way to claim discounts is by taking advantage of your existing membership in certain clubs and organizations that are on the preferred list of your insurance provider company.
These are three very easy steps to cut your insurance bill by a considerable amount and these tips work for all kinds of insurance.
Click here to compare insurance offers and cut your bill significantly. Save 100s.
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