In an effort to control the cost of your premium, don’t be afraid to ask about discounts. Remember the saying,”you have not because you ask not”?
We have already looked at some of the ways to qualify for discounts, but that’s far from all there is.
You will want to keep in mind that insurance companies offer many types of discounts, but they don’t all offer the same ones. Also, the discounts are not the same in every state.
Just one example of these different discounts applies to senior citizens. Since you are retired and stay home more, you are likely to take better care of your house. You would be around more, which hinders burglars and you could even spot a fire sooner, before much damage occurred.
A number of companies are offering up to a 10% discount to retired persons over the age of 55, on their homeowner’s coverage.
If you are still working, there are several insurance carriers that offer discounts to employers and professional associations, that offer group insurance programs, even for homeowner’s insurance. You will often find a better deal going through one of these organizations.
It is always best to consult your independent insurance agent to find out about all of the possibilities that you are eligible for.