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  • Writer's pictureAlan Romero

5 Things You Can Do Now To Lower Your Insurance Premiums

Updated: Feb 28

Insurance rates are rising and you will either choose to fill the pockets of your insurance carrier or your own.

Here are 5 things you can do now to lower your insurance premiums.

  1. Get quotes. Even if you recently renewed your policy, getting a quote costs you nothing and if lower rates are out there, you will find them.

  2. Shop around. Risk exposures differ from company to company and when one carrier is raising rates, another may be lowering them.

  3. Consider raising deductibles. Raising your deductible is perhaps the easiest way to lower premiums and could save you as much as 40% so make deductibles work for you, not against you.

  4. Switch the primary insured. Here is a little known industry secret. You or your spouse may have the better insurance score and switching primary insureds can have a significant impact on your premiums. The last person who took my advice cut her rate in half, it works.

  5. Use an independent insurance agent. An independent insurance agent represents you and not an insurance company so you can feel confident that agent is looking out for your best interests.

Insurance rates are going up so don't wait until your policies renew, start today and bring those rates back under control.

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