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guest post by Carrie at HomeInsurance.com

Oftentimes drivers and homeowners make the mistake of purchasing the first insurance policy they are quoted — especially if the price tag seems to reflect a good deal. The reason is that many people believe that insurance rates are fixed and therefore shopping around is futile.

The truth is that there are a lot of ways that drivers and homeowners can save money on their insurance bill including qualifying for discounts that offer premium reductions.

Here are some of the most commonly overlooked insurance discounts to qualify for that many people don’t even know about:

Home/Auto package discount: Insurers now offer the biggest discounts to homeowners who package their home and auto policies with the same company.  Companies like Travelers, Liberty Mutual and HomeInsurance.com boast discounts up to 25% off of homeowners insurance premiums just for insuring your auto with them as well. Another bonus to packaging both policies with one company is being able to work with just one agent for all your insurance needs.

Non-smoker discount:  Because smoking products like cigarettes are a leading cause in residential home fires, insurance companies offer premium reductions for homeowners who maintain a “smoker-free” household. When you shop your insurance policy, make sure your agent knows if you and your household members are non-smokers as this can save you potentially another 10% on your homeowners insurance rates.

Good student discount: Everyone has heard of the “good driver” discount which rewards accident-free and claims-free drivers with lower rates. However did you know that students enrolled full time in school who earn above a certain grade point can also get reductions in their auto insurance rates? Studies have shown that good students are also less prone to become involved in reckless driving therefore insurers provide discounts for students who earn over a certain average grade point.  This discount can come in particularly handy for less experienced drivers who paying high premiums due to not having much time on the road.

Smoke Alarm discount- Smoke alarms greatly reduce fire damage and fatalities as found by the U.S. Fire Administration. Smoke alarm discounts are fairly common but many people are surprised to see that they aren’t taking advantage of a smoke alarm discount on their home insurance policy. If your home is equipped with smoke alarms that are kept in well-working order you could be eligible for a discount of up to 15% on your homeowners insurance.

Many insurance companies over a wide-range of discounts that go well-beyond those listed above.

Your best bet is to contact your insurance agent to make sure you are taking advantage of every discount you and your household is eligible for.

Good luck!

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A Guest Post

With bills on the rise and current economic conditions causing many of us to start tightening our belts, looking for ways to reduce your spending is likely to be a hot topic. Even if your finances are fine, it still makes sense to reduce wastage and make the most of the resources you have, so with this in mind, how could you reduce your spend?

Well, before you can start to spend less, you need to know what you’re currently spending. Some people are excellent at keeping on top of this and always have up to date records of their income and expenditure. If this is something you’ve not done before, however, you might like to set up a spread sheet or other recording system to work out what you’re currently spending. This way, it will be much easier to identify what can be cut.

Tips for cutting spending

There are hundreds of ways you might well be able to reduce your household spend, from cutting out that morning latte on the way to work to switching your energy provider to save on your utility bills. It might be worth making a list of all the things you could do to save cash, but here are a few to get you started.

• Buy in bulk. Buying things in bulk might not always save you money, but very often it can. This can be particularly useful for necessities that don’t go off – just make sure you’ve got somewhere to store those 120 rolls of loo roll you picked up cheap at Costco!
• Get a rewards credit card. Cards with interest free credit or 0% balance transfers can be really useful for money management purposes and can help you save money when you consider the interest you might otherwise be paying. Rewards credit cards are also useful as they allow you to build up bonuses, such as cash back, air miles and other benefits, while you’re spending money. You can get more information about the different cards available from places such as Virgin Money, GoCompare and Love Money.
• Make it fun. Okay, we might as well admit that cutting your spending isn’t always fun, especially as it’s the ‘fun’ things that tend to have to go first because we technically don’t need them. You don’t necessarily have to deprive yourself, though. Setting yourself reward targets can help, such as by telling yourself that when you’ve filled up a jam jar with loose change, you can use the money to treat yourself. Whatever you can think of to make the process more entertaining is certainly worthwhile.
• Utilise your friends. If you’ve got friends and relatives in the same boat as you, they might well be able to help you save money. For example, if you need a power drill to make some holes in the wall, don’t buy one – borrow one from your DIY-mad friend. Clothes-swap parties and other events can be a good way to get new items without having to spend money – and the chance for a social occasion at the same time can be good for morale if you’re finding cutting your spending a little bit tricky.

Good luck on saving your spend!