February is a time for a wide variety of things: seasonal-forecasting groundhogs, special sweethearts and honoring past presidents. For some, it also means a Monday off work, and an extra day to visit your local car dealer. This month's deals include everything from some sizeable cash back incentives to 0% APR financing. In some instances the incentive is listed as marketing support, which generally means the manufacturer pays that money to the dealer if they sell a car. It's almost as good as cash in your pocket. If you know about this incentive, the dealer might be willing to give up most or even all of that money to sell the car. Take a look through our latest Top 10 New Car Deals to see if there's a discount for a vehicle on your shopping list.

Photos courtesy of respective manufacturers.

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It’s wise to make sure you’re getting the best price on your homeowners insurance. And it’s equally wise to compare your rates with your service to make sure you’re receiving the best value for your dollar.

REQUEST QUOTES

Markets change, and one company that offered great rates a couple years ago might now have some of the highest rates. Also get a quote on line. This will give you a starting point to know what each of the quoted companies will charge. Make sure you receive identical quotes (liability, personal property coverage, deductibles, etc.) so you can properly compare the policies.

Price isn’t the only thing you’re purchasing, however. You should also consider their customer service. Ask friends and family for referrals before you start shopping.

RAISE YOUR DEDUCTIBLE

The amount you pay toward your loss prior to your insurance company pays the claim is your deductible. The norm is $500, but the higher the deductible; the lower your rates will be because you are taking more of the risk up front. By doubling the deductible, it is possible to save up to 25%!

PURCHASE ALL POLICIES FROM THE SAME INSURER

Many insurance companies carry homeowners, liability and auto insurance. This will provide a multi-policy discount. Also, if you’re a homeowner, check to see if they carry commercial insurance as well. This could net you an additional discount.

SAFETY AND SECURITY

Most insurance companies offer a 5% or 10% discount for a smoke detector, alarm or dead-bolt locks. Sprinkler systems might also provide additional discounts, and possibly an alarm that rings at the police or fire department. These can be costly, so do a cost analysis to ensure that you’ll reap enough pay-back through your discounts from your premiums to justify purchasing them.

INQUIRE ABOUT OTHER DISCOUNTS

These vary from state to state and company to company. Many offer discounts to people 55 and over. Some provide a discount for retirees. Often membership in special groups organizations such as alumni and business associations will entitle you to a discount.

STAY WITH AN INSURER FOR AT LEAST 3 YEARS

As a long-term policy holder, you might receive a reduced premium. Some companies offer 5% for retention of 3 to 5 years, and increase it to 10% if you remain for 6 yeas or more.

KNOW YOUR CREDIT SCORE

Credit information is acquired to help the insurance company determine your premiums. Check your credit score periodically and correct any errors. Then when shopping for insurance, if they state you received a higher rate due to your credit score, you’ll know whether they received an accurate report.

COMPARE POLICY LIMITS AND THE VALUE OF YOUR POSSESSIONS ANNUALLY

This will prevent you from spending more than you need to spend. If you have riders on jewelry, fine art, etc., and have sold or given some items away, make sure those riders are cancelled.

THINKING OF BUYING A HOME? TAKE YOUR INSURANCE PREMIUM INTO CONSIDERATION

Often insurance is less expense if the electrical, heating and plumbing systems are less than 10 years old. Buying a house close to a fire hydrant or in a community that is served by a professional fire department rather than volunteers will also affect your premium.

This is not a complete list, but some of the most common ways to save money on your premiums. Discuss these and ask about other opportunities to reduce the cost of your premiums.

Each year, your homeowner’s insurance policy renews. Do you review it each year or do you simply sign the premium check and send it off in the mail? Reviewing your coverage each year may be a bit of a chore, but it’s a necessary one. After all, you may be paying for coverage that you don’t need or underinsuring your valuables. Wouldn’t you rather find out now instead of after a catastrophe?

Insurance Coverages You Need:

If you haven’t updated your insurance coverage in some time, your home may be vastly underinsured. For example, if your home is worth $150,000 on the real estate market, how much insurance should you carry? $150,000? $75,000? $300,000? While your mortgage broker may require a specific amount of insurance (usually the value of the mortgage), the real answer depends on how much it would cost to rebuild the home. If it will cost $200,000 to rebuild your home, then you will need at least that much coverage; otherwise, you’ll come up short.

In general, you will need enough insurance to cover: rebuilding your home, replacing your personal property, paying for temporary living expenses during repairs, and covering your liability to others.

When it comes to covering your rebuilding your home, multiply the square footage of your home by local “per square foot” construction costs. Contact the local building association, a realtor, or your insurance agent to obtain the local construction cost figure.

Insuring your possessions is trickier than simply saying, “I’ll take $50,000 in coverage.” First, go room through room and document your belongings. Include dollar figures of how much it would cost to replace each item. Make sure that your policy uses “replacement cost” rather than “actual cash value.” In addition, be aware of the limitations of your policy. For example, fine jewelry, fur, silverware, artwork, coin collections, electronics, cash, and guns (as well as other items) often have maximum limits. If you have valuables exceeding these limits, you will need to obtain an endorsement or rider.

Buy enough liability to cover your assets. For example, if you have $1 million in savings and other assets, yet only have $300,000 in liability insurance and are involved in a liability lawsuit, the plaintiff may pursue your additional assets above and beyond your liability limits.

If you live in an area where the risk of floods or earthquakes is of concern, you may want to consider optional flood or earthquake insurance as these perils are excluded from typical insurance policies. In addition, if you have a swimming pool or a dog, you might need additional coverage addressing these increased risks.

Insurance Coverages You Don’t Need:

Reviewing your policy each year helps ensure that you aren’t paying for coverages you do not need. For example, if you had purchased a rider adding coverage because you owned a pit bull and the dog has since died, you can drop coverage. Likewise, if you’ve sold your jewelry or art collection, why continue to insure it with an expensive rider? Look at your coverages, endorsements, riders, and limits with an eye for whether that coverage is still necessary. In addition, look at the dollar figures. A few years ago, it may have made sense to pay an extra $100 per year to add a rider protecting your computer from household mishaps, but now that you can buy a comparable computer for a few hundred dollars as opposed to thousands, the coverage may no longer be worth the price.

Finally, while examining your insurance policy, schedule a consultation with your insurance company or agent and ask how you can reduce your costs while maintaining adequate coverage. For example, by installing deadbolt locks or a security system, you may reap a large discount.

By: Mr. Mark Decherd

Auto insurance is a kind of indemnity treatment for smash up to and ensuing from a car. Insurance of this sort may cover up many effects relying on the variety of car insurance which has been bought. Every car insurance policy engage a payment, that is the imbursement a patron puts together to possess car insurance. Payments for car insurance could be very different and are resulted by many factors.

Sex is the chief factor for car insurance payments. Statistically, males are 80% extra likely to be caught up in a mishap, and consequently have a larger requirement for insurance. Car insurance payments for males are elevated than car insurance payments for females. In the same way, youngsters are measured at elevated danger and would have to give enhanced car insurance payments. The car insurance payment may be condensed if the youngster seizes a self-protective driving way. A lot of states need youngsters to acquire self-protective driving courses with the intention of getting hold of a driving allowance and car insurance.

It is normal for car insurance tactics to have a deductible so that the patron is accountable for earlier than the car insurance supplier presents coverage of operating cost. Deductibles may have an outcome on the coverage accessible below a car insurance plan.

Auto insurance is to some extent dissimilar than other types of insurance for the reason that one could buy car insurance which covers precise requirements. Due to this cause at hand are diverse types of car insurance. Auto insurance fundamentals are enclosed by responsibility car insurance policies. Liability car insurance is frequently the least essential by state rules. Legal responsibility car insurance is exemplified by a set dollar sum of treatment for reparation ensuing from mishaps or carelessness.
The coverage sum of legal responsibility car insurance may be functional for possessions smashed in the calamity which may not be an auto.

Car insurance in addition appears as accident car insurance. Collision car insurance is destined to cover up the expenditure of maintenance of an automobile concerned in the mishap, or the money price of the automobile if it cannot be renovated.

Complete car insurance is too offered. Among comprehensive car insurance, treatment of bill for maintenance is given for mishaps that are not accidents. Inclusive car insurance would, for instance, cover sleet or inferno harm.

No matter what kind of auto car insurance one needs, Business Health Insurance may aid!

Huntingdon Insurance Group is a family owned and operated company, specializing in property and casualty insurance.  The agency is located in Huntingdon Valley, PA.  a suburb of Philadelphia.  We the principals, George Benonis and Paul Martin, with combined 75 years of dedication to our clients, along with our daughters, Maria Benonis and Diane Burlingame, are committed to providing outstanding customer service, and comprehensive protection for your personal and business insurance needs.

We are currently looking for new business as well as looking to optimize our website, therefore, any first time quotes on our website, www.huntingdoninsurancegroup.com , or referrals from our existing clients will receive two free movie tickets.

This is a limited time offer, conditions may apply.

Please see our Holiday Promotion Page for Details:

http://huntingdoninsurancegroup.com/special_holiday_promotion