Strategies to Navigate Rising Insurance Premiums

Are you sick and tired of paying too much for your home and auto insurance?  With the record increases we have seen in Texas the last few years many of us have seen our insurance cost double and triple.  If you are tired of being overcharged then let us take a look at your policy and shop for the best value in insurance on the market for you today.  We have a network of over 30 carriers to make sure you are getting the best blend of coverage and premium for your assets!  Here are a couple of tips we are also using to make sure you can cut the expense of insurance as much as possible for your household.  

 

 

Strategies to Weather the Storm

Despite these challenges, there are actionable strategies to help you manage your insurance expenses:

 

• Explore the option of higher deductibles. This can lower your premium, but ensure that you can cover the deductible if necessary.

 

 

 

 

• Ensure that your policies do not lapse. Continuous coverage can lead to more favorable rates compared to re-applying after a gap.

 

 

• Absorb small claims and save major claims for catastrophic damages. This approach can reduce the risk of a premium increase.

• Shop for policies every few years with an insurance broker to make sure that you are not getting overcharged on your policy.

 

 

Understanding the underlying causes of these increases and applying strategic adjustments to your insurance practices can lead to substantial savings. Evaluating your current insurance policies is a wise step. Give us a call at 972-420-7962 to discuss your situation and have a complimentary review of what we can do to help save you money by shopping across our network of over 30 carriers today!