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150 Lower Westfield Road
Holyoke, MA 01040


17Feb. 2017

8 Overlooked Insurance Discounts

Insurance costs are a major concern for everyone. Every year, they seem to go up a little more. Instead of cutting your coverage, find out if you qualify for some overlooked insurance discounts.

A few changes or things you’re already doing could save you plenty of money on your premiums.

Bundle Your Insurance

Buying multiple insurance policies from the same company qualifies you for a discount. When possible bundle your auto, home, and life insurance, as well as other policies together, and you’ll save.

Reduce the Claims You Make

The longer you go without making any claims, the more money you’ll save. For homeowners, ten years or more nets you a larger discount. On your auto insurance, you only need to be accident or ticket free for three to five years.

Live in a Gated Community

If you live in a gated community, make sure your insurance company knows it. These communities provide an additional layer of security, deterring would-be thieves and vandals. Less chance of theft means lower insurance costs for you.

Update Your Home’s Wiring

New, current, up-to-code wiring reduces your chances of having a fire in your home. Some insurance companies won’t write policies for homes with certain types of wiring because of the risk. If your insurance costs are rising and you have an older home, this may be something to consider.

New Roofs Make a Difference

A new roof isn’t just good for the look and insulation of your home. It also reduces the chances of a big storm causing major damage by blowing off the roof and ruining everything in your home. When you have a new roof installed, call your insurance company to let them know.

Don’t Reject HOAs Automatically

While a homeowner’s association (HOA) can have strict rules about home maintenance, yard work, and other requirements for owners, living in a HOA can also save you money. Like a gated-community, it adds an extra layer of security. Insurance companies also feel better knowing that most HOAs have a specific standard that homes must meet.

Not Smoking Isn’t Just Good For Your Health

Non-smokers can qualify for home insurance discounts. Why? Where there’s smoke, there’s a chance for fire. If you’re not a smoker or you’ve quit long-term, make sure your agent knows so you can benefit from any available discounts.

Improving with Age

Many insurance companies provide a mature insured credit for homeowners older than 55 who live in their home as a primary residence. Some things really do get better with age. Once you reach age 50, you can also qualify for extra discounts on your auto insurance if you complete the AARP Driver Safety Program.

All of these discounts can add up to big savings. Make sure your insurance agent knows when you’ve made updates to your home or changes in your life that can reduce your chances of filing a claim.


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