Buying Insurance Online or From an Agent – What is Easiest?
Insurance purchasing tips and tricks you can use to save hundreds of dollars a year
It’s possible to save hundreds and hundreds of dollars on your insurance every single year, but only if you know how to take advantage of all the insurance tips and tricks we are going to share with you below.
Yes, Buying Insurance Online sounds like a change from the past where discussing your insurance needs with an Agent was the norm. Not anymore though, with the explosion of Insurance Providers on the Internet such as Allianz Travel Insurance, you can Buy Insurance Online with ease.
Leverage the inside information we are going to share and you’ll cut your insurance costs dramatically – and you’ll be able to help other people that you care about cut their insurance costs as well!
Comparing each and every one of your options, not on price, but instead on value
The first thing that you need to do to save money on insurance (whether you’re buying auto insurance, health insurance, travel insurance, or homeowners insurance – it makes no difference) is to compare all of your options as intelligently as possible.
A lot of people simply jump online, search for insurance quotes, and then compare the final figures that they are provided from these online sites against one another – never really digging any deeper.
What a big mistake.
Instead of looking only at the price of the insurance that you’re going to be asked to pay, you also need to make sure that you are looking at the value of the insurance you are receiving.
For example, spending $15 more a month on insurance may be advantageous if you’re getting hundreds of dollars of extra coverage in the process. This is something that a lot of people overlook, but a mistake that you aren’t going to make moving forward.
Bundle absolutely everything whenever possible to save the most amount of money
Secondly, you are going to want to try and bundle absolutely everything you can to drop the cost of individual insurances as much as humanly possible.
Bringing together a number of insurance coverages under a single roof will help you save the most amount of money, and you won’t just be able to save money on one of your insurance plans but instead all of them.
Bundles are advertised rather aggressively these days, and they really do (often times) represent the best deals you’re going to find anywhere. Take advantage of everything bundles have to offer whenever you get the chance to.
Jack up your deductibles whenever you can to save on monthly premiums
It may not always be possible, but anytime you are able to comfortably increase your deductible you’re going to be able to save quite a bit of money. In fact, raising your deductible by as little as thousand dollars can help you save upwards of $25 a month – and sometimes significantly more than that.
You’ll have to save money to cover this deductible, but you will be able to save money to cover the deductible with all of the money that you’re saving on premiums.
Don’t be shy about asking for “hidden discounts”
Of course, you’d also have to be at least a little bit crazy not to take advantage of any of the “hidden discounts” that most every single insurance company on the planet has to offer.
These hidden discounts are usually in the form of unadvertised discounts they offer for specific groups of people or people that hit specific qualifications (think discounts for the military or discounts for safe drivers and good students).
These discounts can usually be combined with other discount opportunities – especially bundles and increased deductibles – and can result in dramatic savings every single year.
At the end of the day, it’s important to realize that there are some different opportunities available for you to take advantage of when you’re looking to save money on your insurance going forward.