Looking to lower your house insurance rate? Here are the six best ways to do it.

1. Compare Rates. Because insurance rates can vary by hundreds of dollars from company to company, the most cost effective way to lower you house insurance is to compare rates. You can do this by calling local insurance companies on the phone, but it’s far easier and much quicker to go to an insurance comparison website.

At these sites you fill out a simple form with information about the type of home you own and the amount of insurance you want. Then all you do is wait for your quotes-never-pay-too-much-for-auto-insurance-premiums-again/”title=”" >quotes and choose the best one.

Some comparison sites offer an online chat feature that allows you to talk with insurance experts on line so you can get answers to your insurance questions. (See link below.)

2. Increase Your Deductible. By increasing your deductible (the amount you pay toward a claim before your insurance kicks in), you can save 10% to 50% on your yearly premium. Just make sure you can afford the higher deductible should you need to file a claim.

3. Consolidate Your Policies. Purchasing both your homeowners insurance and your auto insurance from the same company can save you 10% to 30% on your yearly premium. You’ll also only have to deal with one company.

4. Add Safety Systems. Insurance companies will give you a discount on your insurance if you add safety systems such as smoke detectors, fire alarms, fire sprinkler systems, and fire extinguishers. This will also make your home a safer place to live.

5. Install Security Devices. You can get discounts on your insurance if you install security devices like dead-bolt locks, window locks, security lights, and burglar alarms.

6. Request Discounts. Insurance companies offer numerous discounts you may not be aware of such as senior discounts, non-smokers discounts, law officer discounts, military discounts, and others. Before you purchase your homeowners policy, ask your agent about all the discounts his company offers and take advantage of the ones you’re eligible for.

When it comes to the contents insurance for you home then well before you start looking for the cheapest house insurance cover you will need to know how much you need to insure the contents of your home for. The easiest way to do this is to take the time to go around your home and jot down everything, don’t forget the small things as they soon add up. Once you have a clear indication of the sum you need to be insured for, then go online and make a comparison search for the level of cover you need.

In order to get the cheapest deals it is essential that you compare several insurers before making your final choice. However always look for the exclusions within policies, these are the little things that stop you claiming and it is essential that you know what you will be and won’t be covered for in the policy. If a very cheap policy has many exclusions in it, which means you have to buy additional cover then you could save money by going for a dearer one with less exclusions. When looking for the cheapest but most comprehensive deal when it comes to getting the cheapest house insurance cover then you have to shop around.

By Brian Stevens