California Home Owner Insurance -- Four Smart Ways To Pay Less

Contrary to what you might be made to believe, it's quite easy to get an affordable California home owner insurance rate. All you need to achieve this goal are little bits of information (that you'd have to implement, though). Let's get into the tips you need to pay far less...

1. Don't insure your house along with the land it is standing on as this is more expensive but is needless. People do this without knowing. They just insure their house for its full value without subtracting the cost of the land.

If you did this quickly meet with your agent and re-evaluate your California homeowner insurance policy. Subtract the land's value and buy coverage only for your home and its contents.

Doing this will lower your premiums by a huge margin and still have adequate home insurance coverage. Bear it in mind that insuring the land your house is standing on is plain waste of money because it does you no good whatsoever.

2. You'll pay more or less depending on your credit history. You will attract higher California homeowners' insurance rates if you have a poor credit rating. A poor credit rating means that you've not been paying your bills in a timely fashion. No insurer is happy with this as it suggests a behavior you're very likely to repeat in the payment of rates. This makes you a bigger risk and so attracts a higher rate.

Therefore, it will do you much good to pay all your bills promptly. You'll attract cheaper premiums if you do.

3. Making your premium payments once every year will save you a lot when compared to monthly payments. A strong reason for this is the cost an insurance company incurs for posting you 12 bills instead of just one each year.

As if that was NOT enough expense, each check you send attracts a transaction charge too. Twelve checks mean 12 transactions and will draw 12 separate charges.. And as with every other thing, it's you the client or policy holder who bears that cost.

As a result, you'll attract lower premiums if you decide to pay your premiums yearly. The actual amount you could save may differ but you may be able to save up to a month's premium worth with most insurance companies if you settle for this option.

4. You can get better rates on California home owner insurance today by visiting not less than five insurance quotes sites. Each site will require around 5 minutes or less to receive quotes. (Some folks give details that are not really correct about themselves. That is NOT a smart move since the quotes you'll get this way will NOT do you any good). You'll have to pick what represents the best California homeowners' insurance quote for you from the list of quotes obtained. That's all there is to it. Nevertheless you could make savings hundreds of dollars.

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