If you own a home or car, it is imperative that you renew your homeowners and auto insurance. When considering renewal, you might come across a number of options that will help you make sure that you have the coverage you need at a good price. There are numerous Lake Charles auto insurance options, where you can find an agent for auto, home, business insurance, and obtain policies that come with the largest discounts.
1. Auto Insurance
You need auto insurance any time you own a car, but you should search for insurance that offers discounts. These discounts could be in the form of multi-policy, good driver and in some instances, carriers offer accident forgiveness. Understanding your auto insurance and which repairs should come out of your pocket versus submitting a claim, can help you avoid spending too much. You should ask if there is a way to structure your insurance to save money. For instance, if you can afford to, you might find that choosing a plan with a higher deductible drops your rate significantly.
2. Home Insurance
Storm-resistant windows, shutters, home security systems and monitoring.
According to the III, hail and wind were the #1 cause of loss in 2016. Nearly 1 in 40 homes has an insurance claim in this category every year. While not inexpensive to upgrade, hurricane resistant glass and roll-down shutters help prevent wind damage associated with hurricanes and tropical storms.
A home security system is another upgrade homeowners can usually make to reduce risk of loss from burglary and secure homeowners insurance discounts. Home security falls under protective device discounts and could include something as simple to install as door sensors and smoke alarms.
Before making voluntary upgrades to your home, consult with an insurance agent about the type of system you are considering and how and if it will impact your policy coverage and potential discounts. Certain requirements and standards may be required for eligibility, and not every state or carrier offers discounts for these upgrades.
They might flip you to their car insurance plans, and you will get a policy discount because you have more than one policy.
3. Multiple Policy Discounts
You may be surprised to learn about multiple policy discounts. if you are trying to save money, ask the company how much money you can save by bundling your auto and homeowners insurance. It could be as easy as get a discount every time you add a car or a home with a current carrier.
4. How Long Do The Policies Last?
Typical auto insurance policies are renewed every six months. Homeowners insurance are usually quoted for a year, however, most homeowners don’t shop insurance very often and once in place they generally stay with the same company until they sell or refinance their home. That is why is important to shop for the best rates on your homeowners insurance initially.
5. Call Your Agent
The best insurance agents are aware of the discounts available to their clients from their various insurance carriers. If you are serious about saving money on your auto and homeowners insurance, dedicate an hour to go over your insurance needs with an agent. Allow them time to ask the questions need, and give them honest answers. It is their job to help you manage your risk, while saving you money.
The auto, home, and business insurance that you buy from your agent should be tailored to your situation. You can ask for auto insurance Lake Charles options that are actually affordable, or you could look at options that you believe would be best for you. You could buy a policy that has a very low deductible, or you could get something with a low premium that makes the monthly payments easier to handle. To learn more, schedule a consultation with Kelly Lee Insurance, your best option for home and auto insurance in Lake Charles, La.