| Deductible |
Consider increasing your insurance deductibles to a minimum of
$500 or higher. The higher the deductible, the lower the premium. |
| Claims |
By not turning in the small claims that can be paid by you, your insurance carrier will keep you in a preferred no-loss program. This helps you qualify for better rates and keeps you clean for upgrades later on should you not be in a preferred program currently. |
| Tidiness |
Always keep your property in good condition, from lawn to roof. Insurance companies inspect your home and commercial buildings considering strongly maintenance and housekeeping for rates and qualification in preferred programs. |
| Credit |
What does good credit have to do with insurance? A lot! Most insurance companies run credit reports on home and auto policy customers because their studies show them: customers with good credit have fewer losses and better payment history. These two items are critical in qualifying for insurance. |
| Annualize |
Asking for a 12-month auto policy in lieu of a 6 month policy, locks your great rates
in for a year compared to the regular 6-month term that is standard for most carriers. |
| Payment |
Try to pay your premium in full instead of on the monthly payment plan. The saving is considerable if your premium is low as many carriers charge a flat fee per payment. |
| Price |
The lowest price rarely saves you money in the long run! By buying a low-cost low-coverage policy, you run the risk of really losing money by experiencing a loss that is not covered or one that is underinsured. Take your time with your agent. Make them understand that while you want to save money you also need solid coverage with a solid insurance carrier. Cheaper isn’t always cheaper! |
| J.J. Palmtag, Inc. understands your need and value. Our agents are reliable, dependable & extremely well-trained to give you peace of mind and confidence. Call our office now for an insurance review. (800) 562-7083 |
