Thursday, September 11, 2008

Cheap Home Insurance Companies Online In Alabama

Here 's how: Do you know why it is so much cheaper to buy your home insurance each and every month?

If your insurance company doesn't have the expense of sending you a bill every month then they can pass that savings on to you. Start by paying your premium automatically every month, directly from your bank account.

Making your home more burglar-proof will also save you money. Did you know that you can save money every month if you trim bushes back away from your windows, add motion-sensitive floodlighting around your property and make sure that every exterior door has a working deadbolt lock?

Making your home safer from possible injury-related claims can also save you money. Let your agent know that you have repaired all lose floorboards on porches and decks, that you have replaced all broken or buckled concrete walkways, and that you have filled in all potholes around your property.

If anyone who is retired is living in your home full-time that can also save you money every month since having someone in the house most of the time makes your home safer from fires and other potential problems.

Buying a home security system that monitors your home around the clock and reports directly to police and fire departments can save you 20% or more every single month. Just be sure to discuss your plans with your agent first because some systems won't qualify for the full 20% discount.

If you have a home-based business you may be able to save even more if your home security system qualifies for a tax deduction; speak with your tax advisor about this possibility. Doubling your deductible from $500 to $1,000 can save you up to 30% on the cost of your home insurance month after month. Of course, make sure you can afford to pay the increase in your deductible should you ever have a claim before you make the increase.

And, of course, buying your insurance online will save you a ton of money every month. In order to get the very best price online you can't rely on the prices you find at just one of the price comparison websites - you'll need to make your price comparisons on at least 3 different websites in order to guarantee that you are seeing every price possible.

But once you've done that your job is basically done - simply choose the lowest price you've found, knowing that you will now be saving money month after month for many years to come. Homeowners in Alabama overwhelmingly want to protect their homes with homeowner 's insurance, but few, if any, of them want to pay more than they have to for their insurance. I'm sure everyone is already aware that if you want to get your home insurance at the best price possible the only way to do so is to buy it online - but did you know that there are several rather simple things almost any homeowner can do that will save them even MORE?

For example, if you can pay your premiums yearly, rather than monthly, you can save money. If you can't afford to pay all of your premiums in one chunk then set it up so your premiums are paid automatically every month from your checking or savings account. If your insurance company doesn't have to send you an expensive bill every month they reward you with a nice savings.

If there is anyone who is retired living in your home let your agent know. Having someone home most of the time will also save you money.

If you add a few motion-sensitive floodlights around your property, install deadbolt locks on all exterior doors and make sure that every window has a working lock you could save even more on your insurance every month.

Buying a simple kitchen-rated fire extinguisher and mounting it in your kitchen can save you money, too.

Many people choose to purchase a home protection system that monitors their home 'round-the-clock for the peace of mind it can provide them. But did you know that many home protection systems can also save you 20% or even more on your homeowner 's insurance each and every month?

And did you also know that you might qualify to save even more on your home security system if you have a home-based business and you are able to write a portion of the system off on your taxes?

Doubling your deductible from $500 to $1000 can save you as much as 25% or sometimes even 30% on your monthly premium.

If you are absolutely confident that your home is not in any flood danger you can save money by foregoing the purchase of flood insurance.

This option should be weighed carefully. Most policies in Alabama limit wind damage coverage unless you are willing to pay extra. A somewhat more risky way to save money is to forego the purchase of any additional wind damage protection.

If you want to insure that you are seeing as many different prices as possible then you'll want to make your price comparisons on more than one site, but once you've done that your only "job" will be to pick the lowest price you have found. There are many websites that allow you to compare prices on home insurance from different insurance companies. And, of course, the main way to save money on your home insurance is to buy it online.


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