3 Techniques For More Affordable Lansing Mi Insurance
Everyone is looking to save money in these difficult economic times
. We have all had to take a closer look at our budgets in an attempt to stretch our limited dollars a little bit further. As you review your budget you will likely find numerous areas for savings. When you start actually tallying up where your money goes each month you may be surprised. There are apparent ways to decrease your expenses like packing a lunch instead of eating out, but there are also some categories that you may overlook. One category that often goes overlooked is the amount of money you are coughing up for your Lansing MI insurance.
Unfortunately for us Michiganders we pay some of the highest insurance rates in the nation. Trust me, I know firsthand how these rates affect the average family's budget. Don't be discouraged by these overblown rates. Fortunately there are large saving opportunities just waiting to be uncovered. You just have to know where to look. With just a few minutes of your time you should be able to lower the cost of your Lansing MI insurance bills. Let's review a few easy strategies now.
Strategy Number One: Increase your deductibles
Insurance companies are constantly trying to evaluate risk effectively. When it comes to health insurance they are evaluating the likelihood of you needing medical care. When you are looking to purchase auto insurance the insurance carriers are attempting to determine the likelihood that you will get in an accident. The higher the perceived risk is for the insurance company, the more you will pay. An easy strategy to decrease the size of your Lansing Michigan insurance bill is to raise your deductibles. A deductible is the amount of money that you will pay out of pocket before the insurance company picks up the tab. The higher your deductible, the less risky you are in the insurance companies mind. As a result you will get a discount on your Lansing MI insurance policy. This simple strategy could help put some bills back in your pocket.
Strategy Number Two: Change Your Habits
Health insurance companies reward healthy lifestyle choices like eating low fat foods and choosing to be smoke free. Auto insurance companies on the other hand will reward you for having a clean driving record and being accident free. The way that you live your life can have a substantial impact on the rates you pay for your insurance in Lansing. Take a few minutes to evaluate the changes that you can make that will not only benefit your wallet, but also your life.
Strategy Number Three: Review Lansing MI insurance rates yearly
This last strategy is the most obvious, but also the most rewarding. In order to calculate rates each Lansing MI insurance company has their own proprietary formula. Because of the variations in these formulas the rates vary significantly from one company to another. It is not uncommon to find rate discrepancies in the hundreds of dollars per year. I would highly recommend contacting an independent insurance agency once a year to compare rates. The benefits of working with an independent agency is the fact that they represent multiple Lansing insurance companies rather than just one. As a result they are able to evaluate the competition for you.
By abiding by these 3 easy strategies you will likely find opportunities to save hundreds of dollars per year on your insurance in Lansing MI.
by: seamj49phe
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