Cheap South Carolina Home Owner Insurance -- Six Sure-Fire Tips For Considerable Discounts

Contrary to what you might have come to expect, you don't really need to do very exceptional things in order to enjoy the cheapest policy that gives you adequate coverage. It's usually small things that result in big savings. Here are a good number of things that will help you achieve that goal...

1. You will also enjoy a discount if you have motion-sensitive lighting on your property. Burglars will keep off from places where their activities will be easily spotted. And motion-sensitive lighting does just that. Because thieves avoid houses with such lighting, you reduce your home's risk of burglary and, consequently, your rates.

2. Try to NOT leave your ladders within everybody's reach. Doing this would be making a thief's operation a lot easier. Do not also abandon your tools, machinery or things like that on the lawn or anywhere in the open as they could cause accidental injury and increase your liability claims. Like ladders, tools and such could aid a burglar in breaking into your house. Keep them well and you'll be avoiding a high rate.

3. Don't insure your house along with the land it is built on as this will cost you more but quite unnecessary. Some folks pay much more than they should on home insurance on account of this mistake. You have made same mistake if you insured your home for the cost you purchased it without checking the cost of the land it is built on and subtracting it.

If you did such ignorantly, you'll have to re-evaluate your home insurance coverage and go through it again with your agent. Subtract the land's cost and you'll realize that you'll need far less coverage.

This implies that you will spend a lot less on home insurance. Bearing in mind that insurance is for valuables that can't afford to lose, insuring the land which can neither get lost or damaged isn't right.

4. You'll pay more affordable premiums if you choose to pay your premiums anually and not every month. An insurance carrier sends 12 notices for monthly payments as opposed to one for yearly payments. This increases their overhead.

The cost increases if you include the fact that they pay transaction fees for processing each check you give them monthly as payment. They pay transaction charges twelve times instead of once yearly for monthly payments. These and other costs so incurred by your insurer are eventually passed over to you, the insured..

Therefore, you will get cheaper premiums if you decide to pay your premiums anually. The real amount you could save may differ but you may be able to save up to a month's premium worth with most insurance companies if you choose this option.

5. Set up your account to pay your premiums automatically and you will get lower premiums for that. Simply tell your bank that you intend to set up an EFT (Electronic Fund Transfer) in favor of your insurer. This is strongly advised because of its convenience and the fact that it gets you a discount.

6. You can get savings of hundreds of dollars on your home insurance policy by obtaining insurance quotes from quote sites. The best method is to visit a minimum of five sites and ensuring that you give the same (correct) information about yourself.

I advise that you visit at least five quotes sites because that will make it less likely that you'll miss out offers not presented by the other sites. This gives you a broader basis for doing better comparisons thereby increasing your chances of better quotes.

Here are my favorite quotes sites (highly recommended)...

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