FB- I’m not sure about you, but I sure like to save money. So when you get your insurance policy and see a large premium amount, my dream car seems to creep further and further away from me. But, what if there was a way that I could lower that insurance premium? Take it down a couple bucks, save a penny here or there, and then maybe one day I’ll be driving down Highway 1 in a convertible. Here are some ways Fluetsch and Busby Insurance recommends that we can lower our premiums.
On property or auto policies, you can raise the deductible of your policy. The higher the deductible, the lower your rate is. However, if you can’t handle a higher portion of the loss, this might not be the best way to lower your premium. But don’t worry we have other alternatives if this doesn’t work for you.
One way to lower the cost of your premium on your homeowner’s policy or business is to install a central reporting alarm system or replacing that old shake roof with a newer material, something that may be need to be done anyway. An alarm system makes it less likely that all your personal belongings would be stolen whereas a good roof prevents water damage and build up in the gutters which reduces potential for losses. What also lowers your premium on your building is a sprinkler system. It is possible that installation of a sprinkler system can cut your rate cut in half, particularly on commercial buildings.
The best way and easiest way to lower your premium is probably the simplest way, just have “pride of ownership” in your property! Making sure your backyard is fenced, property is free of debris, premises are well kept, have 24 hour lighting for the exterior of your business while some businesses and homes have added surveillance systems which also help to lower your insurance costs!
We want to talk with you to make sure you’re protected in the right way, at the right price – which means getting credit for the way you maintain and protect your home or business. We can even send an agent out to see your property to see what we recommend when it comes to making sure you get the right coverage and are properly rewarded for your care of your asset. At the end of the day, we want to help you afford that convertible (which we can insure for you) so you can enjoy that drive down the coast.