Keep track of your savings accounts with my savings accounts » Insurance Rate http://www.mysavingsaccounts.com Find the best savings rates on savings accounts Wed, 21 Dec 2011 15:24:03 +0000 http://wordpress.org/?v=2.8.4 en hourly 1 How To Save Money And Get Discount Homeowner’s Insurance http://www.mysavingsaccounts.com/howtosavemoney/how-to-save-money-and-get-discount-homeowners-insurance/ http://www.mysavingsaccounts.com/howtosavemoney/how-to-save-money-and-get-discount-homeowners-insurance/#comments Tue, 04 May 2010 14:11:08 +0000 admin http://www.mysavingsaccounts.com/savings/how-to-save-money-and-get-discount-homeowners-insurance/ If you live in Arizona and are looking to insure a home, there are several things you can do to get discounts on your homeowners insurance rate and save a few dollars.

1. First and foremost, make sure that youre shopping your insurance with companies licensed to do business in Arizona. If youre not sure if the company is licensed in the state, stop by the Arizona Department of Insurance website which contains a listing of all companies licensed in the state.

2. Bundle Your Coverages: Insurance companies like to write more than one line of your coverage. By placing more than one of your policies with an insurance company, you will receive a discount. The discount varies from company to company, so make sure to ask about it when shopping.

3. Quit Smoking: Insurance companies prefer non-smokers.

4. Protect Your Pool If you have a pool, make sure it is not easily accessible to a child who may inadvertently wander into your yard. If youre thinking of installing a pool, check with your insurance carrier first. Many companies do not like in ground pools with diving boards and may refuse to provide coverage. Those who are willing to provide coverage will charge a higher premium.

5. Deductibles: Get alternative quotes for different deductibles. The higher the deductible, the more of a savings in premium. Make sure that the premium savings is worth the increase deductible outlay.

6. What type of dog do you have?: Although you feel your pooch is a sweet family pet that wouldnt hurt a fly, insurance companies feel differently. They may charge more if you have certain breeds of dog. The breeds are usually larger dogs that carry a reputation, no matter how unwarranted the reputation is. Your sweet loveable Rottweiler may be the cause of an increase in your homeowners insurance rate.

7. Shop: Always shop around and get more than one insurance quote.

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]]> http://www.mysavingsaccounts.com/howtosavemoney/how-to-save-money-and-get-discount-homeowners-insurance/feed/ 0 How To Save Money And Get Discount Auto Insurance In http://www.mysavingsaccounts.com/howtosavemoney/how-to-save-money-and-get-discount-auto-insurance-in/ http://www.mysavingsaccounts.com/howtosavemoney/how-to-save-money-and-get-discount-auto-insurance-in/#comments Fri, 26 Feb 2010 13:42:46 +0000 admin http://www.mysavingsaccounts.com/savings/how-to-save-money-and-get-discount-auto-insurance-in/ How To Save Money And Get Discount Auto Insurance In Oregon

There are exciting things on the horizon for Oregon auto insurance purchasers, things like Pay-As-You-Drive (PAYD) Auto Insurance which charges insurance premiums by the mile, potentially saving low-mileage drivers a fortune in insurance costs, but until such time as a PAYD plan is fully implemented, Oregon drivers will have to compare auto insurance rates just like everyone else in order to find the best deal.

In Oregon there are three classifications into which a driver can be placed by an insurance company. Preferred drivers have not had an accident or made a claim in the past three years; they get the best rates. Standard drivers generally drive family cars and have a fairly clean but not perfect driving record; they receive the next best insurance rate. The lowest category is called Nonstandard. These are drivers with poor driving records or drivers under 25 years of age, or drivers who have been convicted of driving under the influence of alcohol or drugs; these drivers pay the highest auto insurance premiums.

Obviously if you want to save money and get discount auto insurance in Oregon you need to be in one of the top two categories.

A driver convicted of drunk driving or driving under the influence of drugs has little chance of improving his or her insurance classification for several years however, a driver under the age of 25 can get a break on auto insurance premiums by staying in school and getting excellent grades. Such students are eligible for a Good Student Discount.

Other factors which have a direct impact on the rate you pay for auto insurance include the type of car you drive (sports car and high-performance car drivers pay the highest rate), your geographic location (city dwellers pay higher rates than those who live outside of congested cities), the number of miles you drive each day, and your past driving record. Even your credit score can influence your auto insurance rates, although Oregon law limits the impact that your credit score can have.

Today Oregon auto insurance shoppers can get online and relatively easily make comparisons between auto insurance rates offered by almost every auto insurance provider in the state. Spending an hour or two at one of the many sites offering such rate comparisons can help the average Oregon driver find the discount auto insurance thats just right.

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