high risk homeowners insurance
How to Get Cheap High Risk Homeowners Insurance
Did your homeowner’s insurance sky rocket due to your dog?
I guess this is mainly aimed at those of you that own German Shepards, Doberman’s, Mastiff’s, or any other type of dog that was bred to “protect the home”. Our insurance went up through the roof when we acquired our Mastiff—I was told he is a “high risk” breed. I feel this is ridiculous and a little unecessary—he wouldn’t harm a flea unless severely provoked or unless one of us were in serious danger. I was just curious to know if this happend to anyone else?
I have a pitbull, but I had it certified non-aggressive. You can have it done by your vet or the local humane society.
Cheap High Risk Auto Insurance
Have your been classified as a high risk driver? Are you looking for auto insurance that won’t cost you an arm and a leg? Here’s how to get high risk auto insurance at the best rate possible. High risk auto insurance is a type of insurance issued to: People with bad driving records, Teenage boys and girls, Drivers who own expensive sports cars or “muscle” cars, People who live in a high-crime areas
What Is High Risk?
Some of the people associated with high risk auto insurance are; Drivers with bad records, young drivers, drivers of expensive sports or customized cars and those in high-crime areas. Here are some tips to work to get the cheapest high risk auto insurance.
As a high risk driver you are still going to pay more than the average driver, however you can still reduce your costs quite a bit. Here’s how;
- Make sure all fines are paid and then call the DMV to make sure your driving history is cleared.
- Specifically ask your insurance agent what you can do to bring your risk down such as taking a course.
- Don’t drive more expensive to insure vehicles and instead look for a lower risk car such as one with safety features.
- Increase your deductable. Bringing it up from $250.00 to $1000.00 can save you near 40 percent on your premium.
- When you buy your auto insurance through your homeowner/renters insurance company you can get up to 15% off.
- If your vehicle is worth less than your premium plus your deductable, consider getting rid of your collission and comprehensive coverage.
- Always ask your agent for ANY discounts you might be acceptable for. Senior, low-mileage, drivers education discounts and more.
- And finally, always compare rates. Today it’s remarkably easy to compare rates. The best thing about this is when car insurance companies COMPETE for your business they are forced to lower prices and therefore you can get cheap high risk auto insurance.