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All You Ever Wanted to Know About Insurance

Expert Tips to Help You Save Big on Home and Auto Insurance

If you’re feeling like your home and auto insurance policies are costing more than they should, we have good news! There are loads of ways to save on your insurance when you know how. Here are seven pro tips to get you started.

Consider Bundling Your Policies

When you have multiple types of insurance, it’s nearly always less expensive to take out your policies with the same insurance agent. This is known as “bundling.”

In some cases, you can bundle your Missouri home and auto insurance, the most common combo we see. But there are other types of insurance we can combine:

  • RV
  • Boat
  • Motorcycle
  • Business
  • Umbrella
  • Renters
  • Landlord

We can also bundle multiple auto policies for you. If you have more than one vehicle in your household, it makes sense to have all your auto insurance policies under one roof.

Pay in Full When Your Policy Renews

It typically costs your insurance company a fee to process your premium payment each month when you split up your bill. However, if you pay in full each time the policy renews, you can save money on the total cost of the premium. Just remember to ask when it’s time to renew.

Set the Right Deductible

Remember, your deductible is the amount you pay out of your pocket before your insurance policy kicks in whenever you file a claim. As a general rule, the lower your deductible, the higher your premium.

You can save money on your premium by raising your deductible. Instead of $1,000, for example, try a deductible of $1,500 on your home insurance policy.

Ask About Young Driver Rates and Other Discounts

We offer many types of discounts and special rates with auto insurance. Ask us about discounts for the following:

  • Straight-A students
  • Military service
  • Low mileage
  • Defensive driving education
  • Affiliations (AARP, alumni, etc.)

Install a Security System

You may also be eligible for discounts on your home insurance. One of the most popular discounts is for homes that have security systems installed. This makes your home less likely to be robbed or vandalized. You might well get a discount for living in a gated community for the same reason.

Upgrade Safety Features on Your Home

You can also get home insurance discounts for certain types of safety upgrades on your home. Be sure to inquire about discounts for things like:

  • Leak detection sensors
  • New wiring, plumbing, furnace, or roof
  • Advanced weatherproofing

Often, non-smokers are eligible for discounts too.

Work with an Independent Insurance Agent

Did you know you can save money on home and auto insurance simply by working with an independent insurance agent? We have access to hundreds more insurance products than big companies that just push their limited coverage. As you know, when you have more selection, you get more savings too.

Looking to cut costs and still get great coverage and personalized service on your home and auto policies? Call Lang Insurance at 636-229-7000 today, or reach out online for an easy quote.