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How To Get The Cheapest Renters Insurance

Renters insurance protects your personal property such as your furniture, clothing, electronics, kitchen utensils, DVDs, CDs, sports equipment, tools, and appliances against theft and damage. It will also pay your living expenses if your home or apartment becomes uninhabitable do to fire, water damage, or other disasters. It also covers you in the event someone injures themselves while visiting you and decides to sue you. If you're in the market for cheap renters insurance, here's the quickest and easiest way to get it: Insurance Comparison Websites First off, you need to go to an insurance comparison website. These websites will give you quotes from a number of insurance companies in a matter of minutes, all in the comfort and privacy of your home. The types of quotes you get will be from top-rated companies, including many of the smaller companies you may never have heard of. But don't let that throw you off. These smaller companies have the best rates simply because they don't spend millions of dollars on advertising like the big companies do, and they pass those savings on to you. When you arrive at a comparison site you'll be asked to enter your personal information, such as your name and address on an online questionnaire, and choose the amount of insurance coverage you need. You can also enter the discounts you're eligible for. Some of those discounts include the following: Deductible Discount You can save up to 15% on your insurance coverage by simply raising your deductible (the amount you have to pay toward a claim before your insurer will pay) from $250 to $500. Raise it to $1,000 and you'll save up to 25%. Safety And Security Discounts If you have safety and security devices installed on your property, such as smoke detectors, burglar alarms, dead bolt locks, and a fire extinguisher, you can get a 10% to 15% discount on your premiums. Non Smokers Discount If no one in your home or apartment smokes, you can get a 5% to 10% discount on your insurance premiums.  Senior Discount If you're retired and are 55 years old or older, you can save up to 10% by requesting a senior discount. Credit Rating Discount Many insurance companies are now using your credit score to rate your policy. If you have a good credit rating you can get a reduction on your premiums. If you don't have a good credit score shop around for a provider that doesn't use credit scores to rate your policy. Policy Consolidation Discount If you buy your renters insurance policy and your auto insurance policy through the same company you can get up to 15% off your insurance premium. Ask About Other Discounts The insurance provider you choose may offer other discounts, so be sure and ask your agent about all the discounts they offer. Bottom Line In order to get the cheapest renters insurance policy you need to compare quotes from a number of insurance companies and get all the discounts that are available to you. Doing this at an insurance comparison site is by far the quickest and easiest way to get the cheapest renters insurance. Click this link to compare cheap renters insurance from top-rated companies © Copyright RateQuotesNow.com About Us   |   Privacy Policy   |   Terms Of Use   |   Contact   |   Site Map
Rate Quotes Now
Auto    |    Health    |    Home    |    Life    |    Renters    |
Top Companies - Lowest Rates

How To Get The Cheapest Renters

Insurance

Renters insurance protects your personal property such as your furniture, clothing, electronics, kitchen utensils, DVDs, CDs, sports equipment, tools, and appliances against theft and damage. It will also pay your living expenses if your home or apartment becomes uninhabitable do to fire, water damage, or other disasters. It also covers you in the event someone injures themselves while visiting you and decides to sue you. If you're in the market for cheap renters insurance, here's the quickest and easiest way to get it: Insurance Comparison Websites First off, you need to go to an insurance comparison website. These websites will give you quotes from a number of insurance companies in a matter of minutes, all in the comfort and privacy of your home. The types of quotes you get will be from top-rated companies, including many of the smaller companies you may never have heard of. But don't let that throw you off. These smaller companies have the best rates simply because they don't spend millions of dollars on advertising like the big companies do, and they pass those savings on to you. When you arrive at a comparison site you'll be asked to enter your personal information, such as your name and address on an online questionnaire, and choose the amount of insurance coverage you need. You can also enter the discounts you're eligible for. Some of those discounts include the following: Deductible Discount You can save up to 12% on your insurance coverage by simply raising your deductible (the amount you have to pay toward a claim before your insurer will pay) from $250 to $500. Raise it to $1,000 and you'll save up to 24%. Safety And Security Discounts If you have safety and security devices installed on your property, such as smoke detectors, burglar alarms, dead bolt locks, and a fire extinguisher, you can get a 10% to 15% discount on your premiums. Non Smokers Discount If no one in your home or apartment smokes, you can get a 5% to 10% discount on your insurance premiums.  Senior Discount If you're retired and are 55 years old or older, you can save up to 10% by requesting a senior discount. Credit Rating Discount Many insurance companies are now using your credit score to rate your policy. If you have a good credit rating you can get a reduction on your premiums. If you don't have a good credit score shop around for a provider that doesn't use credit scores to rate your policy. Policy Consolidation Discount If you buy your renters insurance policy and your auto insurance policy through the same company you can get up to 15% off your insurance premium. Ask About Other Discounts The insurance provider you choose may offer other discounts, so be sure and ask your agent about all the discounts they offer. Bottom Line In order to get the cheapest renters insurance policy you need to compare quotes from a number of insurance companies and get all the discounts that are available to you. Doing this at an insurance comparison site is by far the quickest and easiest way to get the cheapest renters insurance. Click this link to compare cheap renters insurance from top-rated companies © Copyright RateQuotesNow.com About Us   |   Privacy Policy   |   Terms Of Use   |   Contact   |   Site Map
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