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Looking for homeowners insurance? Want to know how to get the cheapest homeowners quote with a top-rated company? Here are the top five ways to save big bucks on your homeowners insurance: Comparison Shop The biggest savings comes from comparing homeowners insurance quotes with different companies. Some people have saved $1,000 and more on their insurance by simply switching from one company to another. Comparing quotes is easy. All you have to do is go to an insurance comparison website, fill out a simple questionnaire to get your quotes, then choose the best one. Some comparison sites have an insurance expert on call who can answer any question you may have through an online chat service or by telephone. (See link below.) Consolidate Your Policies Insurance companies will give you up to 30% off your premium if you purchase your auto insurance and your homeowners or renters insurance through them. You also get the added convenience of having only one agent and one company to deal with. Increase Your Deductible The deductible is the portion of a claim you have to pay before the insurance company pays. The lower your deductible, the higher your premium. Deductibles range from $100 to $5,000, with most homeowners carrying a $500 deductible. Raising your deductible from $500 to $1,000 can save you up to 25% on your insurance, while raising it to $2,500 can save you up to 35%. When you do that, it only takes a few claim-free years to make up the difference. Install Home Security Devices Installing home security devices such as dead bolt locks, smoke detectors, fire extinguishers, burglar alarms, and fire alarms will save you 5% to 20% on your homeowners insurance premium. You not only save money by installing security devices, you gain peace of mind. Ask for Discounts Different homeowners insurance companies offer different discounts. These discounts include non-smoking discounts, single parent discounts, retired persons discounts, law enforcement discounts, military discounts, and a whole host of other discounts. Ask your agent for all the discounts you're eligible for and take advantage of them. Visit http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to get homeowners insurance quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section. The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on getting a cheap homeowners insurance quote.
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