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As you struggle to balance your budget, insurance may not be on the top of your list, but you can save a lot of money by following some simple tips - from minor changes to switching to a new company.

 

Here's a list of tips that could save you hundreds of dollars a year:

• Understand how auto rates are set and lower your premium.
• Learn how companies set homeowner rates.
• All health insurance is not the same.
• Use credit wisely and cut your costs.
• Reconsider carrying personal injury protection coverage on your auto policy.
• Keeping a detailed home inventory will help you recall your possessions and their costs. Here's a sample.
• Watch out for warranties and other similar products.
• Be careful when shopping for insurance on the Internet.
• Avoid scams.
• Read your insurance policy. Sounds simple, but knowing what's covered and what's not can limit surprise expenses later.
• Reconsider credit insurance.
• It pays to shop around. You may find one company will ding you for a ticket or claim, but others won't. Check out their complaint record, too!
  

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