Conducting an insurance review can help you find discounts and savings opportunities that you may not be aware of. For example, if you install a home security system or anti-theft device, you could qualify for a discount on your auto or homeowners insurance. Bundling policies and maintaining a good driving record can also lead to premium reductions. It’s also important to review your policy to make sure that you are properly covered for any changes in your lifestyle, such as if your kids start driving or you need to add a rider to protect a family member who has become disabled.
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Most importantly, reviewing your policy regularly can help you avoid overpaying for coverage that isn’t needed. It’s easy to forget that your needs have changed over time, so a regular check-up with your agent can ensure that you are not overpaying for coverage and that you are receiving all of the money-saving benefits available to you. A review can also help you ensure that your policy is up to date and meets any lender requirements, such as minimum coverage requirements. Taking the time to review your policy can save you hundreds of dollars, and it will give you peace of mind that you are protected in the event of an emergency or disaster.
Maintain a good driving record
Your driving record is a key factor in how your insurance rates are calculated. Generally speaking, an accident or violation on your driving record will increase your risk to insurers and raise your premium, while a history free of incidents can lead to lower premiums.
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For some, this can be a big deal. A poor driving record, for example, could make it difficult to find work in some industries, especially those that require a high level of safety and reliability. In addition, some insurers may even consider a driver's history when evaluating their job performance and promotion prospects.
