An extra way to save money for the holidays

Do you wish you had extra money for the holidays ?

Days are passing by fast and soon it will be that time of year again. Christmas is a fun time of year but not a cheap time. We all could use some extra money around the holidays. If that is you, then you need to save where you can. Insurance is not a place people think they can save, but most of the time you can. We can shop your Car, Home or even Business Insurance to save you money for the holidays. 

When it comes time to save money we all look for places to cut. Most people cut back on cable, entertainment, going out to lunch and any other spending we think we can do without. It is always a good idea to save money when you can, but why not on your insurance. Insurance is an expense we all must pay, the state requires us to have car insurance our homes are covered by homeowners insurance. That does not mean we can not save money on the insurance we pay.

When we obtain insurance for our Home, Auto or Business, we tend to become complacent. Insurance is not a product with a set price or coverages. Each company may and do provide different coverages for different prices. The company that you are currently with may of had a recent increase, while another company may of had a rate decrease. The state of Florida does regulate the insurance industry and what the coverages will cover. They also require every insurance carrier to submit for approval the premium ( cost of the policy) to the state, thus protecting the public from sudden rate hikes. Each carrier can only raise or lower rates with the states approval. This practice is supposedly to reduce the fluctuation in insurance costs to the public. However insurance companies give themselves leeway by offering credits to some, deductions to others and other ways they can adjust they cost of coverage.

This sounds complicated and even boring to most, I know. What this really means to you is that you do have an opportunity to reduce the cost of your insurance. Do not just sit back and let your current insurance company earn money for nothing. When was the last time they contacted you to try to save you money? How often did they shop your insurance to other carriers? Is your insurance agency able to shop you to multiple carriers. If they are unable to seek out other offers for your business, why are you with them?

HomeTown Village Insurance is a local independent insurance agency. We are not tied to one company, like a State Farm, Allstate or Geico. What we are tied to is our clients and saving them money. Our agency has several top insurance carriers including but not limited to: Nationwide, Progressive, Travelers, MetLife and Mercury. It is our job to seek out the best coverages for the right price. We to often see clients that have been paying to much and going along with what they were given. This is not decided for us but a choice that we make for ourselves. 

When will you break free from the chains of inferior company's. This is a wise decision to give you a choice in your life when it come to insurance. Stop walking blindly down the wrong path, open your eyes and become aware that you can choose. If not just for one moment in your life, choose to explorer your options and see what is available for you. Our agency prides its self on giving our clients options and helping them save. Do not deny yourself this opportunity to have a choice and enjoy the fact that we actually care. 

This agency was founded to bring back the local and small town traditions that most of us have had. We do not believe in 1-800 numbers, call centers or pushing products you do not need. We offer our services to The Villages Fl, Leesburg Fl and all over Florida. Our services are that we take the time to understand your needs, we shop several companies for you to find the most savings, then we continuously review your polices to see what is available and if we can save you more money.

The time to save money on insurance is now. Contact our office for a free insurance review so that we can start the process.


F.Y.I.

If you are thinking you are not up for renewal on your policy's or that you just paid it, you can still save. Insurance is typically paid on a daily basis and when you change policy's you can recoup any unpaid premium. What you would need to do is provide your former insurance carrier with a deceleration page of your new policy. On that page will be a date of issue that will be the date that they use to refund any unused premium.