Last Updated on April 19, 2021
Carriers will also provide discounts when you pay your policy in full, set up automatic payments, remain accident-free (don’t make a claim), or if a student keeps good grades. Additionally, there are discount programs for using “smart devices” or phone apps to monitor your driving style or home usage/maintenance, which can save you significantly.
3. Find and fill in your gaps
Of all the tips this one is super important as your insurance policy will have basic coverage for fire or theft cases, etc. The most important thing is finding out what the policy does not cover in its “exclusions” and “limits” sections. Your homeowners or renters policy will likely not cover your art, antiques, jewelry, electronics, or golf clubs (to name a few) to your satisfaction. Therefore, you should consider buying additional coverage for these items if they are essential to you. You may need an umbrella policy to cover you for specific reasons.
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