How can you lower your insurance bill?

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Listed below are other things you can do to lower your insurance costs. Shop around. …Before you buy a car, compare insurance costs. …Ask for higher deductibles. …Reduce coverage on older cars. …Buy your homeowners and auto coverage from the same insurer. …Maintain a good credit record. …Take advantage of low mileage discounts. More items…

Is earthquake insurance a good idea?

While earthquake insurance can be great to have if your home is seriously damaged and the damage exceeds your deductible, the high premiums and deductibles that come with earthquake coverage can make the balance between what you pay and what you get uneven. Jan 6, 2022

What is the difference between dwelling and homeowners policy?

A dwelling policy covers only the physical structure of the home. A homeowners insurance policy is more comprehensive and covers not only the physical structure but also the contents inside the home. Jan 17, 2014