Few things are more important than having the right insurance coverage. About ten years ago, I was involved in a near-fatal crash where I experienced traumatic physical and emotional injuries. It was really challenging for me to endure the hospital stay and subsequent physical rehabilitation, but with the help of my medical team and my insurance company, I was able to overcome the challenge and completely recover. This blog is all about the importance of choosing the right insurance plan so that you can get on with your life and enjoy those precious years with your family and your friends.
If you have recently purchased a new house and moved out of an apartment or populated area into a suburb, homeowner's insurance isn't the only thing that you want to get a quote for. You should also talk with an insurance agent about your auto insurance, because there are many factors that could change your rates.
How much you pay for your insurance isn't just based off your driving record and the type of car you drive, but it also depends on where you live and the type of house you live in. Here are a few questions to ask yourself.
Do You Have a Garage?
Did you used to have to park in a group parking lot or out in the street, but now you have a garage or shelter and your vehicle isn't exposed? The more protected it is the less likely it will be damaged by someone driving by, it isn't likely to have a theft problem, and weathering should no longer be an issue. This should earn you a discount on your rate, especially if the garage is locked when the vehicle is inside.
Are Crime Rates Low?
If crime rates in the area where you live are low, and you came from a populated area where the rates were much higher, the insurance rate should drop. If you are near a police station, you have a neighborhood watch program, or you have a home security system that includes the garage, these are other things that could qualify you for a discount on your policy.
Has Your Commute Shortened?
If you have cut down the amount of time that you'll be in the car to get to and from work every day, and your driving is now far less risky than it was before, your policy shouldn't cost as much. A shorter commute, the ability to walk around places instead of always driving, and putting fewer miles on your vehicle overall should reflect lower rates.
Talk with your current auto insurance provider or shop around to get a lower rate when you move into a new house, and see if you can get a discount with any provider when you bundle the new homeowners insurance you need with the auto insurance. Your location may be able to change how much you have to have to pay for auto insurance a great deal, leaving you money for other things for your new house.
Share7 July 2016
