Do you cringe at the idea of wasting money? Aside from the obvious budgeting moves — like canceling an unused gym membership or cutting back on your online shopping — could there be other ways to make sure every dollar is well spent? You don’t want to give up the home or auto protection you need, but there could be opportunities to lower your insurance costs a little. Ready to save? Start by considering these five questions: Are you keeping up with maintenance tasks? Frequent claims can increase your costs. To help avoid this, make sure to stay on top of basic maintenance tasks. Have your roof and HVAC systems inspected regularly and keep up with oil changes, tire health and other routine car care. Do you have the rental insurance you need? If you’re currently renting a home or apartment, it’s important to invest in renter’s insurance. This will help you start building a positive history that could help you earn lower home insurance rates later. Are there any discounts available? Bundling your home and auto coverage might be one savings option. You could also save by installing security features in your home. Certain driving-related discounts may also exist, so reach out if you’re curious. Can you reduce your coverage? If your car is older and it’s paid off, you may be able to reduce your coverage. At least once a year, we should reassess your policy and discuss whether you might be overpaying. Are you purchasing wisely? Before you buy an expensive vehicle, be sure to reach out to learn about the expected costs for coverage so there are no surprises later. Get in touch today to discuss possible discounts, bundling and other savings options. This quick conversation could help keep money in your pocket. | 