{"id":89991,"date":"2025-02-15T16:33:10","date_gmt":"2025-02-15T16:33:10","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/insurance\/tips-to-help-control-insurance-costs\/"},"modified":"2025-02-15T16:33:10","modified_gmt":"2025-02-15T16:33:10","slug":"tips-to-help-control-insurance-costs","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=89991","title":{"rendered":"Tips to help control insurance costs"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<div id=\"attachment_4944\" style=\"width: 610px\" class=\"wp-caption aligncenter\"><img fetchpriority=\"high\" decoding=\"async\" aria-describedby=\"caption-attachment-4944\" class=\"wp-image-4944\" src=\"https:\/\/blog.cinfin.com\/wp-content\/uploads\/2022\/04\/ControllingCosts875249534-300x169.png\" alt=\"research-costs\" width=\"600\" height=\"337\" srcset=\"https:\/\/blog.cinfin.com\/wp-content\/uploads\/2022\/04\/ControllingCosts875249534-300x169.png 300w, https:\/\/blog.cinfin.com\/wp-content\/uploads\/2022\/04\/ControllingCosts875249534-150x84.png 150w, https:\/\/blog.cinfin.com\/wp-content\/uploads\/2022\/04\/ControllingCosts875249534-316x178.png 316w, https:\/\/blog.cinfin.com\/wp-content\/uploads\/2022\/04\/ControllingCosts875249534-132x74.png 132w, https:\/\/blog.cinfin.com\/wp-content\/uploads\/2022\/04\/ControllingCosts875249534.png 660w\" sizes=\"(max-width: 600px) 100vw, 600px\"\/><\/p>\n<p id=\"caption-attachment-4944\" class=\"wp-caption-text\"><b>You can control some aspects of your insurance costs. Your independent agent can help.<\/b><\/p>\n<\/div>\n<p>\u00a0<\/p>\n<p>Much like the price of groceries and gasoline, insurance premiums are increasing. Especially if you haven\u2019t had a claim, you may wonder why your policy\u2019s cost has gone up.<span id=\"more-4948\"\/><\/p>\n<p>Insurance premiums are tied closely to costs of labor, building materials and medical care. As these prices rise, the costs to treat injuries after an auto accident or to repair or replace your home, car and belongings also increase.<\/p>\n<p>Another cause of rising premiums may be the number of claims on your policy. When losses are high, risk may be higher than estimated, and premium adjustments may be needed to offset the increased risk accepted by your insurance company.<\/p>\n<p>You do have some control, however, if you\u2019re looking for ways to reduce your insurance expenses:<\/p>\n<h5><strong>Seek guidance from an independent agent<\/strong><\/h5>\n<p>Prices and coverage vary from company to company, so consider your options. But don\u2019t shop by price alone as coverages and service are the most important factors. Seek out the professional expertise of an independent agent who represents a variety of insurance carriers and can help you find options that best fit your needs. Read more about <a href=\"https:\/\/blog.cinfin.com\/2021\/10\/26\/buying-insurance-agency-channels\/\" target=\"_blank\" rel=\"noopener noreferrer\">how an independent agent stands out<\/a>.<\/p>\n<h5><strong>Consider higher deductibles <\/strong><\/h5>\n<p>Deductibles are what you pay before your insurance policy kicks in for a covered loss. By being willing to take on a higher deductible, you can lower your premium costs, sometimes substantially. When you choose a higher deductible, be sure you have enough money set aside to pay your deductible in the event of a claim.<\/p>\n<h5><strong>Know the insurance cost prior to a new purchase<\/strong><\/h5>\n<p>Buying a new home or auto? It\u2019s important to factor in how much the insurance is going to cost. Not all homes and auto insurance will be priced the same. Some autos are safer, have lower repair costs, or have a lower rate of theft \u2013 factors that can affect the insurance premium. Two homes for sale at $250,000 might not cost the same for insurance, either, if one was built with materials that are now outdated and could increase the <a href=\"https:\/\/blog.cinfin.com\/2020\/09\/29\/personal-insurance-questions-home-replacement-cost\/\" target=\"_blank\" rel=\"noopener noreferrer\">replacement cost for the insurer<\/a><em>. <\/em><\/p>\n<h5><strong>Buy your insurance through one company<\/strong><\/h5>\n<p>Most carriers offer discounts for placing all your business with them. This can be more cost effective than having your home and auto written through separate carriers. It can also be helpful to have one agent handling all your policies to make sure there are no gaps in your coverages.<\/p>\n<h5><strong>Protect your home from potential claims<\/strong><\/h5>\n<p>Do you have a home security system, <a href=\"https:\/\/blog.cinfin.com\/2021\/03\/02\/generator-emergency-backup\/\" target=\"_blank\" rel=\"noopener noreferrer\">backup generator<\/a>, <a href=\"https:\/\/blog.cinfin.com\/2019\/09\/03\/personal-insurance-water-shut-off-devices\/\" target=\"_blank\" rel=\"noopener noreferrer\">automatic water shut-off system<\/a> or other feature that makes your home less likely to have a big claim? Make sure to discuss your home\u2019s protective features with your agent, as there may be a credit for being a better risk.<\/p>\n<h5><strong>Review your policy at least once a year<\/strong><\/h5>\n<p>Life moves quickly, and things can change from year to year. Are your policy limits still adequate for your lifestyle? Have you purchased big-ticket items throughout the year? it\u2019s important to review to make sure your policies are up to date and not missing that new car you swapped out a few months ago, <a href=\"https:\/\/blog.cinfin.com\/2022\/03\/08\/pandemic-renovations\/\" target=\"_blank\" rel=\"noopener noreferrer\">the basement you finished out<\/a> or the <a href=\"https:\/\/blog.cinfin.com\/2016\/12\/08\/capstone-jewelry-valuable-gifts\/\" target=\"_blank\" rel=\"noopener noreferrer\">new jewelry you received as a gift<\/a>.<\/p>\n<h5><strong>Investigate possible driver credits<\/strong><\/h5>\n<p>Talk to your agent about how your household has changed in the last year. Did someone take a driver improvement course? Has your daughter gone to school without her auto? Maybe your son has earned good grades. Check with your agent to see if your insurer offers credits for these items.<\/p>\n<p>Cheaper isn\u2019t always better, but you don\u2019t need to pay for more than you need or miss out on discounts you\u2019re entitled to.<\/p>\n<p>\u00a0<\/p>\n<p><em>Coverages described here are in the most general terms and are subject to actual policy conditions and exclusions. For actual coverage wording, conditions and exclusions, refer to the policy or contact your independent agent. <\/em><\/p>\n<\/p><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>You can control some aspects of your insurance costs. Your independent agent can help. \u00a0 Much like the price of groceries and gasoline, insurance premiums are increasing. Especially if you haven\u2019t had a claim, you may wonder why your policy\u2019s cost has gone up. Insurance premiums are tied closely to costs of labor, building materials [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":89992,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[94],"tags":[2408,13594,11034,3535],"dealstore":[],"offerexpiration":[],"class_list":["post-89991","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","tag-control","tag-costs","tag-insurance","tag-tips"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Tips to help control insurance costs - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=89991\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tips to help control insurance costs - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"You can control some aspects of your insurance costs. Your independent agent can help. \u00a0 Much like the price of groceries and gasoline, insurance premiums are increasing. Especially if you haven\u2019t had a claim, you may wonder why your policy\u2019s cost has gone up. 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