In Hialeah, the topic of insurance probably produces images of dollar signs. It's understandable; Florida insurance does not come cheap. This is why it's important to get creative and find ways to save, and shopping around for Hialeah insurance quotes is the best way to achieve this goal. You'll find that there are several companies offering Hialeah insurance, most of which offer discounts. With that being said, take a look at a few important coverage and find out how you can save money on insurance.
Find Savings with Security
Homeowners insurance in The Sunshine State is pricey. According to the Insurance Information Institute (I.I.I.), Floridians paid an average of $1,534 for homeowners insurance in 2007. Whether or not this reflects your current rate, there are ways to lower your premium. For instance, you can usually get discounts of at least 5 percent for smoke detectors, a burglar alarm or dead-bolt locks, and sophisticated sprinkler systems and home security systems can cut your premium by as much as 15 or 20 percent, the I.I.I. reports. Most insurance providers will produce lower Hialeah insurance quotes to those who equip their homes with storm shutters and weather-resistant windows. The charge to install some of these systems can sometimes counteract the cost of your insurance coverage so it can pay off to install them on your own or ask for estimates so you can do the math. Some companies will install your security system for free if you sign a monitoring contract. Also keep in mind that it's not always necessary to insure your land as it will still be there even if your house is destroyed, so check your policy and talk to your agent about removing this coverage if it is already included.
When Floods Wash in
While you may enjoy sunny days the majority of the year, there's no doubt your home is at risk when rainclouds come in. Your homeowner's insurance policy does not cover flood damage; therefore you should purchase a separate flood insurance policy with the National Flood Insurance Program. According to the Florida Office of Insurance Regulation, low to moderate risk areas can cost less than $325, but areas with high flood risk will be over $2,000. Flood insurance can be costly, but it far outweighs the price of rebuilding your home and replacing your belongings.
It's a high price to pay for auto insurance in The Alligator State as well. Floridians paid an average of $1,043 in 2007, according to the I.I.I. It's clearly important that dwellers of The City of Progress find ways to save on this coverage. First of all, assess your car's value to understand how much protection it requires. Ask a local car dealer to give you an estimate or check with Kelley Blue Book. If your car is worth $1,000 or less, you can lower your coverage and set aside what you'd be paying for extra insurance to ensure you can replace your vehicle if need be. You can reduce your premium by cutting down your annual mileage so take advantage of the Hialeah Transit System as often as you can. If your vehicle is equipped with an anti-theft or tracking device you'll garner lower Hialeah insurance quotes to boot. Good students and senior citizens frequently qualify for discounts as well. Raise your deductible and combine your homeowners and auto insurance policies with the same provider and your premium will automatically be reduced.
Capitalize on Coverage
Make the most of what options are available to make your search for Hialeah insurance quotes a little easier and use NetQuote's free service to scout out the insurers for you. Just take a few minutes to fill out our online form and in no time you'll have several quotes from Hialeah insurance providers ready to analyze.