STOP overpaying for home insurance
Are You Paying Too Much for Insurance?
If your home and auto insurance premiums keep climbing, you’re not alone. Insurance rates have increased by nearly 50% since 2022, leaving many families wondering if they’re paying too much.
But here’s the good news: You don’t have to settle for high rates.
With a few smart strategies, you can lower your costs without sacrificing coverage. Let’s go over nine must-dos that will help you start saving today!
Know What You’re Up Against
Before we dive into the savings tips, here’s the reality:
✔ Insurance premiums are increasing nationwide.
✔ But pricing isn’t set in stone—you have more control than you think!
✔ By making a few key changes, you can lower your premiums and keep your budget intact.
Now, let’s break down the nine essential ways to save on insurance.
1. Shop Around Every Year
One of the biggest mistakes people make is sticking with the same insurance company year after year.
🚨 Why is this a problem? Insurers constantly adjust their rates, and your best deal last year might not be the best deal today.
✔ Get new quotes annually—you could save hundreds.
✔ At Trailstone, we compare rates from over 40 top-rated insurance providers to make sure our clients always get the best deal.
2. Bundle Your Policies
Want to save up to 25% instantly? Bundle your home and auto insurance.
✔ Many insurers offer huge discounts for bundling.
✔ Some companies are even stopping standalone home policies, making bundling even more valuable.
Pro Tip: At Trailstone, we automatically check bundling options to maximize your savings.
3. Raise Your Deductible (If You Can Afford It)
✔ A higher deductible = lower monthly premiums.
✔ If you can comfortably cover a higher out-of-pocket cost in case of a claim, this is a great way to cut your monthly payments.
🚨 Warning: Only raise your deductible to a level you can afford if you ever need to file a claim.
4. Look for Hidden Discounts
Most insurers offer discounts, but they don’t always advertise them.
✔ Safe driving discount
✔ Being claims-free
✔ Going paperless
✔ Home security system discount
At Trailstone, we go through all available discounts to make sure you’re not missing out on easy savings.
5. Tailor Your Coverage to Your Needs
Are you paying for coverage you don’t actually need?
🚗 If your car is older, you might not need comprehensive or collision coverage.
🏡 If your home has been upgraded, you may qualify for lower premiums.
Pro Tip: Reviewing your policy annually ensures you’re not overpaying for unnecessary coverage.
6. Adjust Your Policy Based on Your Driving Habits
Do you drive less than you used to? Maybe you:
✔ Work from home more often
✔ Carpool or use public transportation
✔ Only drive occasionally
🚨 If your mileage is lower, you may qualify for a low-mileage discount!
And if you’re a safe driver, consider using Telematics programs—they can lower your rates by up to 40%!
7. Keep Your Credit Score in Shape
✔ Did you know? Your credit score affects your insurance rates.
✔ A higher credit score = lower premiums.
🚨 We’ve seen credit scores impact insurance rates by as much as 25%!
Pro Tip: Keep your credit in good shape by paying bills on time and reducing debt.
8. Regularly Review Your Policy
Your insurance needs change over time.
✔ Have you moved?
✔ Added a new driver in your household?
✔ Made home improvements?
🚨 If your policy isn’t updated, you could be overpaying—or worse, underinsured.
Pro Tip: At Trailstone, we review our clients’ policies annually to ensure they’re getting the best rates and the right coverage.
9. Work with an Independent Insurance Agency Like Trailstone
✔ Shopping for insurance can be frustrating.
✔ We do all the work for you!
At Trailstone, we:
✔ Compare over 40 A-rated insurers to find the best price.
✔ Look for discounts you might not even know exist.
✔ Help you switch providers without the hassle.
🚨 Our goal? Make sure you’re not overpaying—without sacrificing coverage.
Ready to Start Saving? Here’s What to Do Next
💰 Want to stop overpaying for insurance? Here’s how to get started:
✔ Click the link below to get a free quote.
✔ Call or email us for a no-obligation policy review.
✔ Let Trailstone do the heavy lifting—we’ll find you better rates, better coverage, or both!
🔗 Get a Free Quote Today