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They tend to think that smokers are a greater risk because there are so many accidental fires each year that are started because of cigarettes. Ask your insurance agent, broker, or company to find out if you can get this discount on your policy. If you experience a medical emergency and it forces you to take some time off work, utilize any disability insurance coverage put in place by your employer. If you get the disability insurance, you will be covered as far as salary is concerned when you are missing work because you are experiencing some kind of medical condition. Pre-paying your insurance can save you money. Paying your bill monthly will see you paying up to three percent more per year in fees. Instead of taking that hit, pay on an annual basis in a lump sum.

They commonly believe that people who smoke are greater risks because cigarettes are the cause of many accidental fires every year. Talk to a variety of insurance agents to see if you are eligible for any discounts on your renter’s insurance rates. If you’re planning on switching insurance providers, make sure you open your new policy BEFORE canceling your old one. If you cancel your policy first you could find yourself uninsured at the worst possible time, leaving you uncovered and paying for the situation yourself. Saving money isn’t worth the risk!


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