Insurance rates are on the rise across the nation and you’re growing concerned that you must purchase insurance for a new home or possibly you are considering how to save on premium with your current home. 

How do you find affordable insurance without compromising your protection? 


Those quick, cheap, online insurance quotes seem appealing to your budget, but you’ve heard too many stories about how the coverage doesn’t measure up come claim time.  You want your home to be properly protected so your family has peace of mind.  

What’s the solution? 

Tips for maximizing your insurance dollars without giving up on your quality of coverage:

1.      Consult a Trusted Choice® agent:  An experienced agent can review your policies and make recommendations on how you might reduce your premium without compromising your protection.  Two-thirds of consumers who research insurance online decide to buy their coverage from an agent.

2.      Be Aware of the Costs Up Front:  Don’t be among the many who get sticker shock.  Being proactive and speaking with an agent about the things that could lower or raise your rates will help you avoid financial surprises.  Things like flood zones, distance to fire services, and even moving are just a few things that could impact your insurance rates.  An agent is your best resource.

3.      Do Your Deductible Diligence:  Don’t be surprised by those non-standard deductibles that many homeowners often don’t even realize they have on their homeowner’s policy.  Talk to an agent to learn more. 

4.      Ask and You Shall Receive:  If your agent has your best interest in mind, he or she should be advising you on what discounts you may be eligible for.  We can think of six different discounts right off the top that might be right for you!  Just a little knowledge in your insurance tool belt.

5.     Good Things Come in Packages: Most carriers offer total account discounts.  Combining your home, auto, and other personal policies with one company will help to keep your premium down.  The savings is usually substantial.  Ask an agent about the other benefits of packaging. 

6.      Maintain a good credit record.  Insurers are increasingly using credit information tied in with other factors such as claim history, geography, and more to develop what’s referred to as an insurance score.  Your credit record helps to increase your insurance score, which helps to reduce your insurance premium. 

These are just a few tips to help you get started.  Contact V.F. McNeil Insurance, a local Trusted Choice® insurance agent, to request an insurance quote and learn more ways to keep your insurance costs in-line for the long haul.   At V.F. McNeil Insurance, we believe that knowledge is key.  The more you have, the better equipped you’ll be to make decisions that will help keep you properly protected and financially sound.  Contact us today (203) 481-2684.