Temecula Insurance & San Diego Insurance:
The current economy is causing many people to cut costs, however removing or reducing important coverage’s on your Home or Auto policies may not be to your advantage.
There are several effective ways to reduce your premium and still maintain the insurance protection you need in order to protect yourself. Here are a few suggestions to help cut costs:
- Increase deductibles ‐By increasing your deductible this lowers your premium and still gives you the protection in case of a total loss.
- Combine your policies – By combining your Home & Auto policies with the same carrier this will give you additional discounts and benefits. Some carries will even apply a single deductible when both Home & Auto are affected by the same occurrence.
- Protection Devices – By having a central burglar and fire alarm in your home you will qualify for additional savings on your policy and added protection for your loved ones.
- Reviewing Annual Mileage – If you carpool or drive less you can reduce your Auto premium by reducing your annual mileage.
- Good Student Discount – If your child is receiving a 3.0 grade point average or better, there is a significant savings by adding on this discount.
- Professional Degree discount- If you have a bachelor’s degree for certain professions, such as Educator, Engineer or Scientist you can qualify for additional discounts. Check with your agent to see if your profession qualifies.
- Go Green-If your home or condo is certified green by the Leadership in Energy and Environmental Design (LEED) you may qualify for an additional savings on your policy.
- Annual Insurance Review – Advantages of reviewing your insurance annually will help ensure that you are adequately covered, apply all discounts available and having your agent evaluate your insurance needs in order to recommend options that are right for you!
For more information contact any HWP Insurance agent who will be happy to assist you. Please call our Temecula location at (951)296-6833 or Carlsbad location at (760)795-2002.
