A. Here are 3 simple steps everyone can take to save on Homeowners and Auto insurances:
1. Shop around
Find an independent insurance agent to help you do the shop around. Also, contact insurers that do not sell through independent agents, such as USAA or State Farm. Once you find a lower rate, ask your current insurer to match or beat that rate.
2. Increase your deductible
Increase your deductible from $250 to $1,000 could cut your premiums by up to 20%, also you won't be tempted to file small claims, which could result in a rate hike, even you leave your current insurer, because all insurers share information through a database called the Comprehensive Loss Underwriting Exchange (CLUE).
3. Get all the available discounts
Start with bundling auto and home insurers so you can reduce premium by 10% to 15%. For the home improvement projects you have done, such as a new roof, or electrical system, alarm system, storm shutters, a permanent backup generator, etc. will all get you a discount, but you have to bring it up and ask for the discount.