{"id":8547,"date":"2022-02-15T14:28:12","date_gmt":"2022-02-15T20:28:12","guid":{"rendered":"https:\/\/www.guaranteedrateinsurance.com\/?p=8547"},"modified":"2026-02-27T08:51:38","modified_gmt":"2026-02-27T14:51:38","slug":"homeowners-insurance-12-ways-to-save-money","status":"publish","type":"post","link":"https:\/\/www.rate.com\/insurance\/resources\/homeowners-insurance-12-ways-to-save-money\/","title":{"rendered":"12 Ways to Save Money"},"content":{"rendered":"    <div class=\"entry-summary\">\n        <h2>Summary<\/h2>\n        <div class=\"entry-summary-content\">\n            <p><span data-contrast=\"none\">If you are looking for ways to save money, it can be tough to get started. Here\u2019s a list of 12 ways to start saving in the new year.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"none\">Review your current spending. It\u2019s tough to set a goal to save if you don\u2019t know where your money is going<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"none\">It\u2019s easy to fall into the trap of \u201cset and forget,\u201d but frequently comparing your options can save you money<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n        <\/div>\n    <\/div>\n\n\n\n<p class=\"wp-block-paragraph\">If one of your goals this year is to save money, we hope this list will help you to get started. There are lots of ways to cut down on expenses, and it can feel good to discover new paths to savings.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">By category, here are a dozen ways that you can save money on your insurance in the new year!&nbsp;<\/p>\n\n\n\t<div class=\"block-cta-blog my-4 \">\n\t\t<div class=\"cta-blog_copy\">\n\t\t\t<p>Start saving on insurance<\/p>\n\t\t\t\t\t\t\t<p class=\"text-center\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/quote.rateins.com\/home?utm_source=blog&#038;utm_medium=browser&#038;utm_campaign=EVERHOME12WaystoSaveMoney&#038;utm_content=cta\" class=\"btn btn-sm btn-primary\"  target=\"_blank\">Get my quote<\/a>\n\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\n<h2 class=\"wp-block-heading\"><strong>Review Your Overall Spending<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The best place to start finding places to save is to take a look at where your money is going. Take a look at a few months\u2019 worth of receipts and payments. You can also use banking or budgeting tools to make it easier to look back over the entire year. Identify where you&#8217;re spending money, and see if you&#8217;re paying for services you don&#8217;t use.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here are some areas of spending to consider:&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Review Your Automatic Payments<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Many of us have signed up for subscription services that renew automatically. Automated payments are a big convenience, but when you put spending on autopilot, it can add up quickly without you noticing.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Review all of your automatic monthly charges and make sure that you\u2019re getting the value you expect. Cancel any that no longer serves a purpose or meets your needs.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. What You Watch<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Television has changed a lot over the last decade. There are now unlimited choices when it comes to watching your favorite shows.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Maybe you signed up for one service to watch a hot new show, but you rely on another for most of your entertainment. If you have a cable subscription, you\u2019re paying for all of those channels, too.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pretty soon, you\u2019re paying monthly for streaming services you\u2019re no longer watching. Take a look at your credit card statements. Keep an eye out for annual charges as well, and carefully evaluate which television shows you can\u2019t live without.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cancel streaming services you aren\u2019t using. If you\u2019re streaming and not watching cable much at all, consider canceling your cable service altogether.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Gym Memberships<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">January sees a lot of people making resolutions to get into shape. It\u2019s an important goal, and if you\u2019re using those memberships, great!&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But if you aren\u2019t, it\u2019s time to reconsider whether a fitness membership fits into your schedule and budget. Spending on a gym or yoga membership that you aren\u2019t using is money you could be putting to work elsewhere.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Mobile Phone Plans<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s a good idea to review your cell phone plan to see if there\u2019s another that might provide a similar service at a lower cost. If you have multiple users in the same house, a family plan might work best.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you opted for an unlimited plan, check your usage statistics online and see how much data you are actually using. Is it really worth it to pay a premium for a high-data plan? Some companies even have online tools that can suggest different plans that might work better for you.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. Magazines &amp; Newspapers<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you enjoy reading magazines and newspapers in print, see if there are any savings available from publishers. Sometimes there\u2019s an online or print discount available if you receive both formats. Again, a little legwork goes a long way.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you find that you\u2019re only reading a magazine online and not using the print version at all, it might not be worth it to receive both \u2014 even with a discount. Compare pricing, and only pay for what you actually use.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How to Save on Home &amp; Auto Insurance<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Don\u2019t ignore this important part of your budget. There are lots of possible ways to save on your property insurance costs, whether you are an owner or renter.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5. Bundle Your Insurance Policies<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bundling multiple insurance types with one insurance company is one of the fastest ways to save on insurance. If your home and auto policies are already managed by one insurance company, you might already be receiving a bundling discount.\u202f&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, if you currently have policies with several different insurance companies, you need to do a little homework. Here\u2019s a step-by-step guide:&nbsp;<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>List all of the insurers with whom you currently have policies. Develop a comprehensive list of policies, whether they\u2019re for auto, home (or renters), life insurance. or valuable personal property.&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li>Find out if any of those companies offer all of the types of insurance you need. Some companies only offer auto insurance, so they wouldn\u2019t be able to bundle your property insurance.&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li>\u202fAdd up your premiums to get your total annual premium cost. You need to know this number to verify that bundling is the best deal.&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li>If none of your insurers offer all lines that you need, it\u2019s time to get some quotes. Call or <a href=\"https:\/\/get.guaranteedrateinsurance.com\/website\/new-customer-home-auto-form\/\" target=\"_blank\" rel=\"noreferrer noopener\">go online for bundled insurance quotes<\/a> from providers that offer multiple lines of insurance.&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"5\" class=\"wp-block-list\">\n<li>Make sure the quotes you get offer the same (or better) coverage that you\u2019re already receiving. That\u2019s the best way to make a fair comparison.&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"6\" class=\"wp-block-list\">\n<li>Compare what you are paying now to the quotes you\u2019ve received, and see if bundling will save you money.&nbsp;<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6. Compare Insurance Prices<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you only have one or two lines of insurance, you might be able to save money on your insurance by shopping around. With bundling, the more lines of insurance you have the more you may save.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you don\u2019t have multiple lines of insurance, you might be better off finding the best discounts just for the insurance policies you need. <a href=\"https:\/\/get.guaranteedrateinsurance.com\/new-customer-home-auto-form\/\" target=\"_blank\" rel=\"noreferrer noopener\">Getting an insurance quote online makes it easy to find a great rate.<\/a>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Just make sure that you are comparing prices based on the features and coverage that you actually need. You\u2019re not really saving money if you sacrifice proper coverage simply to get a low rate.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>7. Increase Your Deductible<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you only have one or two lines of insurance, you might be able to save money on your insurance by shopping around. With bundling, the more lines of insurance you have the more you may save.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you don\u2019t have multiple lines of insurance, you might be better off finding the best discounts just for the insurance policies you need. <a href=\"https:\/\/get.guaranteedrateinsurance.com\/new-customer-home-auto-form\/\" target=\"_blank\" rel=\"noreferrer noopener\">Getting an insurance quote online makes it easy to find a great rate.<\/a>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Just make sure that you are comparing prices based on the features and coverage that you actually need. You\u2019re not really saving money if you sacrifice proper coverage simply to get a low rate.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>8. Ask About Discounts<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Insurance companies offer a range of discounts on insurance products. Car insurance companies sometimes offer discounts for customers who complete safe driving courses. Home insurers reduce rates if you install smart home systems that can detect issues before they cause serious damage.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Not sure if you qualify for discounts? Talk to your current agent or <a href=\"https:\/\/get.guaranteedrateinsurance.com\/website\/new-customer-home-auto-form\/\" target=\"_blank\" rel=\"noreferrer noopener\">connect with an Expert Agent today.\u202f<\/a>&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Ways to Save Around the House<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A household budget can often feel set in stone \u2014 without much room for trimming. However, there are ways to save. From groceries to your heating bill, here are ways to keep your money where it belongs: in your pocket.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>9. Conduct an Energy Audit<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">An \u201cenergy audit\u201d is a fancy way to describe checking to make sure your home is airtight. In the winter, any cold air that gets in means that your furnace is working harder to heat your home. Same goes for summer: You want to keep cool air in so your air conditioner gets a break!&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Also, check around windows and exterior door frames to see if any air is coming in. If it is, see if you can fill gaps to improve your home\u2019s energy efficiency.\u202f&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Most energy companies have resources available to help consumers make their homes more efficient, including the installation of smart meters. With energy prices on the rise, this could be a great way to save.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>10. Review Your Grocery Bill<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Inflation is hitting Americans hard, and rising prices are especially evident at the grocery store. Consumers<a href=\"https:\/\/www.cnn.com\/2021\/12\/14\/business\/grocery-store-prices-shoppers-inflation\/index.html\" target=\"_blank\" rel=\"noreferrer noopener\"> are switching brands, changing stores and buying less<\/a> in hopes of stretching their dollars.\u202f&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Get in the habit of checking weekly sale items, considering generic equivalents, purchasing in bulk (if you have room to store large purchases) and using coupons. Proactively planning meals can help to reduce impulse purchases and reduce food waste \u2014 which will save money.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Rethink Purchases<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cReduce, reuse, recycle, repair\u201d is a classic sustainability mantra. While following those suggestions will help to decrease the amount going to landfills, it\u2019s also good advice for saving money.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>11. Borrow, Barter or Rent<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Rather than buying something new, think about whether it is something you really need to purchase. For home improvement tasks that you might only tackle periodically, investing in new equipment might be an expense you don\u2019t need to take on.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Borrow from a family member or friend, barter a task with a neighbor or rent the equipment from a home improvement store. You\u2019ll complete the task at hand without incurring the cost of a purchase and a commitment to store and maintain the equipment.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>12. Check Out your Local Library<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Rather than buying books and movies, visit your local library. You might be surprised at how much they have to offer for free, including video games, audiobooks, and movies. If you\u2019re thinking of buying a new cookbook, see if the library has it so you can borrow it first and give the recipes a test run. If you fall in love with it, you can always purchase a copy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Library bonus: Many libraries have book sales where you can buy gently used donations and books decommissioned from the library\u2019s collection. It\u2019s a great way to get books at a steep discount from the cover price while also supporting the library\u2019s mission.<\/p>\n\n\n\t<div class=\"block-cta-blog my-4 \">\n\t\t<div class=\"cta-blog_copy\">\n\t\t\t<p>See how to save on insurance<\/p>\n\t\t\t\t\t\t\t<p class=\"text-center\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/quote.rateins.com\/home?utm_source=blog&#038;utm_medium=browser&#038;utm_campaign=EVERHOME12WaystoSaveMoney&#038;utm_content=cta\" class=\"btn btn-sm btn-primary\"  target=\"_blank\">Apply now<\/a>\n\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\n<h2 class=\"wp-block-heading\">How can I get an insurance quote today?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s never too late to examine your spending and build new habits. With automated payments, keeping up with your bills has become easier than ever. However, that means it\u2019s easier to lose track of where you&#8217;re spending.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The best recommendation is to think about your spending. There are many ways to save. Some tips will take a little research, such as making sure that you have the best rate on your insurance products. With a little bit of time and effort, you could be on your way to substantial savings in your household budget.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Disclaimer:&nbsp;<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Rate Insurance does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Rate Insurance. Rate Insurance does not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>It\u2019s never too late to examine your spending and build new habits. With automated payments, keeping up with your bills has become easier than ever \u2014 but that means it\u2019s easier to lose track of where you are spending your hard-earned money. Read this article for a dozen ways to save money on your insurance.<\/p>\n","protected":false},"author":20,"featured_media":8548,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":true,"inline_featured_image":false,"footnotes":""},"categories":[13,24],"tags":[39,42],"class_list":["post-8547","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home","category-specialty","tag-car-insurance","tag-home-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>12 Ways to Save Money | Rate.com<\/title>\n<meta name=\"description\" content=\"It\u2019s never too late to examine your spending and build new habits. 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