Several insurers offer discounts to groups and associations.
Check with any association or group you are part of.
You might have discounts waiting for you to take.
But bear in mind that you may get lower rates with another insurance company in spite of the rebates given to your association depending on your unique coverage needs and profile.
The simple way you can say for sure which is better for you is by obtaining and evaluating quotes from as many different insurers as possible.
Every insurance expert knows that this is the sure way you can find out where the best offer is.
You can have markdowns of about 10 percent with a number of companies if you're retired.
This discount is founded on the thinking that retired persons spend more time to maintain their home and are also likely to spot fires more easily.
Remaining with an insurer for anytime above three years attracts concessions.
The longer the time you remain with an insurance company, the higher the discount.
Although you are sure to be given rebates for staying with the same insurer for any reasonable time, you might make more in savings by switching to another insurer.
Because of this, do proper comparison before settling for this option.
You can know for sure by obtaining quotes from as many insurers as possible and then compare savings you'll realize if you switch with what your present insurance company gives as loyalty discount.
You will save much if you really have between 15-30 minutes.
Visit, get and compare home insurance quotes from selected quotes sites.
The lowest offer should be your choice easily.
But, you have to go beyond just the lowest quote to the best price/value.
The cheapest may not be the best price/value for you as a person.