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After climbing steadily for several years, homeowners insurance rates in Phoenix seem to settling down. In fact, some companies are lowering premiums by as much as 24 percent. Follow these tips to keep your Phoenix homeowners insurance rate as low as possible. Plan Ahead If you're purchasing a home, planning ahead can help you save on homeowners insurance later. For example, your insurance rate is affected by the location of the home you buy, especially if it is in an area with high property crime rates. Mold claims also affect the rate, so you want to make sure previous homeowners have not had problems with mold. Raise Your Deductible Set your deductible as high as you can – the higher your deductible, the lower your premium. In addition, a higher deductible will keep you from making too many claims, which can increase your premium rate. Ask about Discounts Insurance companies usually offer discounts that lower your insurance premium. Common homeowners insurance discounts include: * Senior citizen discounts * Multiple policy discounts * Non-smokers discounts * Discounts for safety features such as deadbolts, smoke detectors, fire extinguishers, and sprinkler systems * Discounts for alarm systems Ask your insurance professional if you qualify for these discounts and if there are any other discounts you qualify for. Shop Around One of the best ways to save on your homeowners insurance is to shop around. By taking the time to compare prices, you can make sure you're getting the best rate possible for your Phoenix homeowners insurance. Shopping around is fast and easy if you go to an insurance comparison website. On such a website you will spend just a few minutes typing in your insurance information. Then, multiple A-rated insurance companies will give you quotes. On the best insurance comparison websites you can even talk with insurance professionals and get answers to your questions (see link below). http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to get Phoenix homeowners insurance rate quotes from top-rated companies and see how much you can save. You can also get more insurance tips there. The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on getting cheap Phoenix homeowners insurance rates.
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