There are a number of ways to hep reduce your premiums.
- Raise your deductible. If you can afford it in the event of a claim, a $1,000 deductible should be considered.
- See if you have other coverage extras that you may not need such as coverage for jewelry or guns.
- Ensure your credit rating is good, as many insurance companies use credit as a factor in determining premiums. Although insurance companies use a slightly different rating system, ensuring that your credit is in good standing by ordering a credit report may be worthwhile.
- Discuss with your agent what changes could be made to bring your premium down to a lower level.