Home And Auto Insurance
Posted by Matt Hellstrom on May 25, 2009
If you’re a homeowner or have a car, you already know that having home and auto insurance is a must to protect your property against claims for damage or liability. In fact, you probably couldn’t even borrow the money to buy your home or care unless you showed proof of insurance. But like everyone else, you bought your home insurance policy when you purchased your home and the same for your car.
The majority of people never take a look at their home and auto insurance policies after the purchase is completed. Unless there is a need to make a claim, you’ve probably tucked the policies in the bank safe deposit box or filed away somewhere at home. The only time you really think about insurance is when you need to make a claim or when it comes time to pay the ever-increasing premiums.
The majority of people will shop around for the best rates at the time they need the insurance, but never consider bundling home and auto insurance. What most people aren’t aware of is that you can save quite a bit of money by insuring both your home and your auto with the same company. Sometimes, this can amount to a savings of 15% in premiums. Over the course of several years, this savings can be tremendous.
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.
Don’t forget that the Internet can be an invaluable source of information when it comes to obtaining home and auto insurance quotes. You can use any one of the rate comparison websites and find out what you can expect to pay by combining both coverages with one company. It’s a matter of answering a few questions and you’ll be able to get quotes that allow you to review the rates of different companies side-by-side.
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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