Proven Ways to Reduce Your Personal Insurance

Are you paying too much for your home and auto insurance? Are you tired of not getting the right combination of coverage, price, and service? If this is you, then please read this article.

There are many ways to save on your personal insurance, but don’t be fooled into thinking that a low price equals the coverage you need.

Cheap insurance can lead to poor service, uninsured claims, and an increase in your actual out-of-pocket costs.

 Finding the right personal insurance involves three areas.

1. Price
2. Services
3. Coverage

Price is always important. That is why we shop your personal insurance with many different insurers.

Service is part of your policy. We evaluate companies on how they handle billing issues, claims adjusting, and general administrative services that they provide to their clients. 

Coverage is the most important part of your personal insurance program. We help you find the right coverage at the right price.

It is also important to read your policies and make sure you understand what kind of home and auto insurance you have.

Here Are Ways to Save On Your Home and Auto Insurance

Review your deductibles

Consider paying higher out-of-pocket expenditures instead of smaller deductibles with higher premiums on your home and auto insurance if your budget permits it. If you're ready to take on additional risk, insurance providers may lower your premiums.

But be cautious. You'll be regretful if a calamity occurs and you don't have the funds to afford the higher deductible. So make sure you have enough money in your emergency reserve to cover the deductible.

Always ask about various discounts

When you combine your house and auto insurance with the same company, you can often get a discount. However, there are other less obvious discounts that might help you save money. 

If you reside near a fire station or a fire hydrant, some companies provide reductions on homeowner's insurance. If you have dependents on your auto insurance, inquire about student discounts or discounts for good grades. Don't forget to inquire about all the discounts for advanced vehicle safety features.

Proven home insurance discounts

You can do a number of things to get the most bang for your buck when it comes to homeowner’s insurance. We'll go through a few of them here and explain how to get house insurance discounts so you may save a lot of money on your premiums. These include.

• Updating your roof
• Claim free discounts
• Loyalty discounts
• Smart devices that alert you to fire and water damage
• Installing a security system
• Updating plumbing and electrical systems
• Install fire alarms and smoke detectors
• Discount for disaster preparedness. If you live in a region where wildfires or severe weather is common, your insurance may offer a discount if you take precautions to avoid damage.

Proven auto insurance discounts

• Drive an insurance friendly car
• Drive safely
• Military discounts
• Senior discounts
• Paperless discounts
• Take defensive driving courses
• Make sure teen drivers get good grades
• Conducting your annual review with your insurance agent.

After family, the roof over your head and the wheels that get you where you’re going are among the more important possessions in your life. Because of this, flood and earthquake insurance shouldn’t be viewed as optional — today’s climate is fraught with natural disasters.

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Leap | Carpenter | Kemps Insurance Agency Can Help 

Let us help you be protected from loss when Mother Nature strikes. Of course, you want to protect them and get repairs if they are damaged or harmed.

Whether you live in a house, condo, or mobile home, and whether you drive a car, truck, or motorcycle, Leap | Carpenter | Kemps Insurance Agency will get you the policies you need.