California Homeowner Insurance -- 4 Sure-Fire Ways To Pay Less

Contrary to what you might have thought, it is quite easy to attract an affordable California home owner insurance rate. You just need the right tips and the motivation to implement what you'll be taught to get a cheaper rate. Let's get into the tips you need to pay far less...

1. It is more expensive and needless to insure the land on which your house is built. People who ignorantly do this are paying a lot more than would do them any good. You've made same mistake if you insured your home for the price you purchased it without finding out the cost of the land it is built on and deducting it.

If you did this quickly call your agent and re-evaluate your California homeowner insurance policy. Reduce your coverage to the cost of your home and its contents minus the cost of the land.

Your rate will be more affordable and you'll still have enough coverage if you do this right. Bear it in mind that insuring the land your home is standing on is plain waste of money because it does give you any added advantage.

2. The amount you pay is affected by your credit rating. You'll attract higher California home insurance premiums if you have a low credit rating. What your credit rating reveals is how you have handled your bills and it speaks badly about you if it's a poor one. This is a behavior that most insurance carriers believe will play out again in the way you handle your premiums. If you are seen as a potential defaulter, it makes you a higher risk and draws more expensive rates than otherwise.

Therefore, it will do you much good to pay all your bills once they are due. You will draw lower premiums if you do.

3. You will pay lower rates if you choose to pay your premiums yearly and not monthly. Your insurance carrier sends 12 notices for monthly payments instead of one for yearly payments. This costs them more.

As if that was NOT enough expense, each check they get attracts its own transaction charge too. 12 checks are 12 transactions which mean 12 separate transaction charges. And as with every other thing, it's you the customer or insured who bears that cost.

As a result, you'll attract cheaper premiums if you choose to pay your premiums anually. What you will save could be as high as 8.5% of your total monthly payments over the course of just one year.

4. You could save some hundreds of dollars by simply receiving and evaluating quotes from at least five quotes sites. And, it will require only about 25 minutes on the whole.

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