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You can often save on your insurance premiums by bundling. This means buying more than one policy from the same insurance company. You might decide to bundle your home and car policies, for example. However, what if you don't have any need to bundle? You don't want to miss out on insurance savings if you decide not to do so.

The good news is that insurers often offer various other discounts. Here are some other ways to save on coverage.

1. Increase Your Policy Deductible

The deductible is how much you pay for a claim’s cost before your insurance coverage kicks in. For example, if your home sustains $10,000 in damage and you have a $3,000 deductible, your insurance will pay you up to $7,000. You have to pay the first $3,000 yourself.

The greater the deductible you carry, the less of a financial risk you usually pose to the insurer. In other words, they won't have to pay out as much as they would if you had a lower deductible. Often, if you increase your deductible, you can reduce your premium costs.

2. Improve Your Home's Safety

Preventing damage to your home reduces the chances of you having to file an insurance claim. Again, if you can lessen chances of filing a claim, you can usually save on your premiums.

There are many steps you can take to make your home safer. Installing smart-home technology, fire and carbon monoxide alarms, automatic lighting, emergency shutoff valves and other items might make the home safer. Tell your insurance agent about the safety mechanisms in your home. They can tell you about any available policy discounts.

3. Remain Loyal To Your Insurer And Keep Good Credit

Loyalty and financial security goes a long way in the insurance world. If you stay with the same insurance company from year to year, you can often qualify for discounts. Maintaining good credit is another way to qualify for better coverage prices. Insurers frequently reduce coverage prices for clients who demonstrate good financial security. This indicates to insurers that you're less likely to default on your payments.

Work proactively on improving your insurance policy. Review your coverage every year, especially after you make modifications to your home. Ask an ACF Insurance agent about specific discounts available to your policy. Our agents can point you in the right direction.

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