Those who understand what to do don't find it difficult enjoying the cheapest Alabama home insurance rates without downgrading the quality of coverage they get. I'll show a number of steps to take if you want massive savings that won't leave you with insufficient coverage...
1. You'll pay lower Alabama home insurance rates if you elect to pay your rates annually and not monthly. Your insurer sends 12 notices for monthly payments as against one for annual payments. This costs them more.
The cost increases if you add the fact that they pay transaction charges for processing each check you give them monthly as payment. 12 checks mean 12 transactions which attract 12 separate transaction charges. And, if you really come to think of it, these additional costs are ultimately built into your Alabama home insurance rates.
Therefore choose yearly payments instead if you want to make savings this way. What you'll save could be as high as 8.5% of your total monthly payments over the course of just a year.
2. You'll pay less if you've got motion-sensitive lighting on your property. Thieves understandably do NOT like to operate in any place they could be easily noticed or caught. Your Alabama home owners insurance rate will be lower you'd have reduced your home's risk of burglary through this kind of lighting.
3. The kind of building material you use can save you a a lot in premiums. Frame homes are more resistant to earthquakes while brick homes are more resistant to high winds. Therefore, if you reside in the East, you will enjoy lower rates if you yours is a brick home. On the other hand, folks who live in the West will pay lower premiums if they own a frame home because of the earthquakes there. Expect to save a minimum of 5% if you choose a home with the preferred material.
4. If you install a sprinkler you'll be eligible for a discount. They make your home less vulnerable to fire damage and therefore makes your home a better risk. This means you get cheaper Alabama home owner insurance rates. Ask your agent what you will save by doing this before you get yours since they are quite expensive. You can repay over several years thus reducing the difficulty in spending the amount involved in such a project.
5. Make sure you don't forget to subtract the land's cost from the home's cost as you apply for a home insurance policy. People do this without knowing. You have made same mistake if you insured your house for the cost you purchased it without finding out the cost of the land it is built on and deducting it.
For those who've mistakenly done this, meet with your agent and go through your home insurance coverage again. Subtract the land's value and buy coverage only for your house and its contents.
This implies that you will spend far less on home insurance. Bear it in mind that insuring the land your home is standing on is plain waste of money because it does you no good whatsoever.
6. You will save much by visiting a minimum of 5 home insurance quotes sites. If you do this, you'll make it most likely that you'll get all the lowest quotes available as five sites will return up to 25 quotes altogether.
Get your quotes now from these highly recommended sites...
Quick Home Insurance Quotes In Minutes
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