What are multi-policy discounts?
Everyone who owns an automobile and home has the opportunity to save money. Insurance companies will offer you discounts if you place your home and auto insurance with them, because insurance companies want your business.  These discounts may also apply to your motorcycle, boat, RV and even your personal umbrella policy.
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Multi-policy advantages
There are advantages to have all your personal insurance through one insurance company. These advantages include premium savings, saving you time, a better way to manage your insurance and having just one agent to oversee your insurance program.

Multi-policy discounts will vary depending on the insurance company. Usually we see discounts ranging from 5% up to 20%. Bundling your insurance can offer the convenience of a single bill and easier claims handling when you need it.

Things to remember about multi-policy discounts

• Whether you are single or have a family, you can take advantage of multi-car discounts.
• Use an independent agent to search the market for your best options.
• Bad driving habits will raise your premiums, so be sure to keep a clean record.
• Remember to insure your boat, RV and motorcycle as well.
• Most major insurance carriers have policies and discounts readily available for people living together.

 
 

What Kind Of Insurance Should Newlyweds Have?
Congratulations!  You have decided to share your life with that special person.  Your honeymoon is over and you are settling into your new life together. Now is the time to start thinking about how to protect that life, especially as you start to make pans for the future.  Personal insurance protection is a good way to help make sure your dreams come true.
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Personal Insurance Considerations for Young Married Couples

• Life insurance.  Now may be a good time to consider life insurance. Life insurance offers replacement income and peace of mind for your spouse.
• Health insurance.  You must have health insurance.  If it is not provided by your employer, you can purchase coverage on an individual basis.
• Renter’s Insurance.  If you rent, do not go without renter’s insurance. Renter’s insurance can provide coverage for damage to, or loss of, personal property, and also cover your personal liability.
• Auto insurance.  You will also want to review your auto coverage. If you each have a car, and they are insured in your individual names, combining them into one policy may qualify you for a multi-car discount from the insurer.
• Your Wedding rings.  You will want to insure your wedding rings for theft or accidental loss.
• Do you own a home business?  Many young people have home based businesses; if so, you may need business insurance.  Call your agent today.

Insurance is not as romantic as picking where to go on your honeymoon, but it is one of the most crucial things you can do as newlyweds! Although most couples are aware of the need to reassess their insurance needs when they marry, there is a gap between that awareness and action.