Save Money on Your Home and Car Insurance

By [http://ezinearticles.com/?expert=Mike_E_Leinwand]Mike E Leinwand

The first thing you need to know is that an insurance broker can not just knock off 10% of your premium because they like you. Insurance laws regulated by FSCO are very strict on the discounts that are given to costumers.

In this article I am going to forget about discounts such as retired adult, low km, cars not used for work, new home, burglar alarm, etc. These are all great discounts, but I'm going to concentrate on more general discounts that anybody who has two cars and either owns or rents their home.

The first mistake people make when shopping for car and home insurance is by saying "let me find out the price for the one car and if it's good, then I'll get a price for the second car and my home."

This is not the best way to go about getting a quote. If you have more then one car, you will always save 10-15% and if you have a home or renters insurance, you will get another 10-15% off.

Here is an example:

1. A man calls and says he wants a quote for his 2006 Honda accord. He tells me his wife also has a car and they own a home, but he just wants a quote for one car. I get all the information I need from him and work up a quote. The total price for the Accord with full coverage comes to $1,200 per year.

I call him back and he tells me he is paying $1,000 with his current company for the Accord.

2. The same man calls and asks for a quote for his Accord, his wife's car and their home. Let's forget about his wife's car and the home insurance price right now and just concentrate on his Accord.

With the same coverage from example # 1, his Accords yearly premium is going to be $960 per year. He just saved 20%.

If you want the best rates possible from any insurance company, do not think of each car and your home (or renters) insurance as separate items to insure, think of it as a package and keep them all together. 20% is a big difference!!

Also keep in mind you'll be getting 20% off on the second car and and 10-20% off on the home (or renters) insurance as well.

Mike Leinwand is a Registered [http://www.mikeleinwand.com]Insurance Broker in Ontario and can offer you a no-obligation [http://www.mikeleinwand.com]auto insurance quote.

Article Source: http://EzineArticles.com/?expert=Mike_E_Leinwand http://EzineArticles.com/?Save-Money-on-Your-Home-and-Car-Insurance&id=1888948

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