Want to score big insurance savings? You need an insurance playbook to win the insurance game.

The entire family is counting on you to bring home essential insurance coverage . It’s your goal to keep the home team protected from all of life’s unexpected (and sometimes disastrous) surprises. So from auto to life, with health and homeowners’ in between, a big chunk of your income goes to insurance.

No better way to maintain a winning team during hard times than tackling the biggest bills you’ve got!

Here’s the Insurance Playbook:

1. Size Up the Competition

The price you pay for any insurance coverage will vary big time from company to company. This is why shopping around for quotes is KEY if you want to get cheaper rates on ANY of your insurance policies.

• Go to a trusted site that will pitch your information to all the major players in one shot. InsWeb.com is a big , unbiased online quote site you can trust.
• Even if you want to keep your current insurer – shopping around will give you the information need when trying to find a lower rate.
• Keeping the same company for more than one type of policy can save you with a multi-line discount… but that’s not always the case.

Pin those insurers up against each other and watch them compete for your business!

2. “Defense, Defense, Defense!”

It’s all about protecting your team from loss. To figure out what it’s going to take to get them the coverage they need – first you need to look at what you’ve got.

Liability:

Whether it’s a homeowners or auto insurance policy, you need to make sure you’ve got what it takes to go all the way if you’re sued or found legally liable for injury caused to someone else or damage to their property.

Don’t Overpay:

Be sure your homeowners policy covers the cost of rebuilding the structure and replacing all the things within it – but be sure you’re only taking into account the cost of the dwelling itself, NOT the land it sits on.

Same holds true for auto when it comes to collision and comprehensive coverage– be sure you’re not paying more for insurance than the car is worth.

Losing the MVP:

You are your family’s most valuable player. Without you, your winnings, and all the things you do to keep them going what will become of the team?

If You Don’t Already Have Life Insurance – Get It.

3. Offensive Plays

Don’t just sit on the sideline watching your wallet take a wallop! Get your insurance playbook out and tackle high premiums with these key plays:

Drill insurance companies about what the discounts they offer.
Update Information with Insurers:

Since you first got the policy have you:

• Quit smoking or lost weight? A “yes” could get you better health and/or home insurance rates.
• Added safety locks, an alarm or done other fixes on your house? Your lowered risk could also lower your premium!
• Had your oldest move out and they’re still on your auto policy? You are overpaying for car insurance! Get on the horn and fix it!

Double deductibles. The higher the deductible, the lower the rate. Choosing a big deductible on your home and auto policies is a surefire way to score big savings.

4. “Ready, Set, Go!”

Get equipped with knowledge then hit the field and shop around.

Your insurance playbook will keep you from going out of bounds and winding up uninsured. Going to a trusted site like InsuranceRates.com to get competing quotes will keep you from crying foul after finding out you’re overpaying for insurance coverage!