Auto And Home Insurance - The Discount Savings You Can Get

History Of Insurance

Summary Article By Justin Scott

If you're shopping for either auto or home insurance you may be able to save money on both. Insurance companies base their rates on a lot of factors that have to do with risk. So with car insurance, these factors include driving records, age of drivers, type of vehicle, the place where the vehicle is and more. For home insurance, these factors include the location of the home, the age of the home, the construction of the home, and any other risk factors such as a swimming pool.

Despite all of this "risk" talk, insurance companies do want your business so one thing they'll offer as a way to help you save is a multi-policy discount. The key is to shop around for comparison quotes and ask what the discount would be. For example, you could request an auto insurance quote and ask what the difference in premium would be if the same company also insured your home.

You may be able to request both a home and auto quote from a company's Web site. Insurance comparison Web sites are places that don't represent a single company. For homes, this could be burglar/fire alarm, building materials and more.

Where to Get Cheap Auto and Home Insurance Quotes

Summary Article By Brian Stevens

Are you paying too much for your auto and home insurance? Follow these tips to get cheap auto and home insurance quotes.

Take Advantage of Multi-Line Discounts

If you have your auto and home insurance with different companies, you are almost definitely paying too much! Most companies offer discounts if you have both your auto and your home insurance through them. Move your auto and your home insurance to the same company and take advantage of these discounts.

Save With Other Discounts Too

In addition to the auto/home discount, you may qualify for other discounts on both your auto and home insurance. Common discounts for your auto insurance include:

Good-student discounts

Defensive-driving course discounts

Three-year accident free discounts

Safety features discounts (airbags, anti-lock brakes)

Anti-theft discounts (burglar alarms, steering wheel locks)

Common discounts for your home insurance include:

Security device discounts (burglar alarms, dead-bolt locks)

Safety device discounts (smoke detectors, fire extinguishers)

Non-smokers discounts

Construction features discounts

Senior citizen discounts

Shop Around

Insurance companies are definitely not all the same. Think that means spending hours on the phone calling or visiting insurance offices? All you have to do is go to an insurance comparison website and type in your insurance information.

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