Save dollars on NY home insurance

May 7, 2015 @ 11:44 am

NY home insuranceDiscounts. Just say the word and you’ve got people’s attention. It is, in fact, possible to get discounts on your New York home insurance quotes. How? Sometimes all you have to do is ask or specify certain information.  Discounts are important because no one likes to pay more than they have to, especially if later they find out that they didn’t have to.

No secret techniques exist to get discounts. It’s far easier than you might think.

Just ask.

Why does that surprise so many people? Why do they think there is some catch? There is no catch and savvy consumers know not to accept the first rate offered.  They know that there are deals to be ad by comparisons. They know to ask one simple question:

“What discounts can I get?”  And in the answer could save you some bucks.  Why pay more in premiums than you have to?

People in many other parts of the world have a long tradition of negotiating and looking for deals. They rarely accept the first price they are given. We could use some of that savvy here in the U.S.  But for us, we’re almost afraid of asking for a discount, as if there is something wrong with it.  We are uncomfortable with asking and negotiating.

Do it any way and here are some ideas.  If you bundle coverage, you may get a discount for combining all that coverage under one company. Or you might get one because you are a brand new customer. A fun discount is when your existing company discounts you for staying with them. All you have to do is say you are looking around.

If you have a clean claims history, you are going to get a lower premium. Make sure you get that.  You also get some credit for having a clean credit history. If your credit is bad be sure to make that right as soon as possible.

Install a home security system and watch your premium drop. Security systems make for lower burglary and theft rates and that is something carriers love.  You’ll also pay less if you don’t have a bite-risk dog at home.

If all your insurance is with a single company, you may get a better rate for this bundling of coverage. Ask about that.  Also, if you have never filed a claim, you are very attractive to insurers and they may discount you to get your business.