Insurance is a necessary expense for most people in the Cincinnati area, but it doesn’t have to break the bank. With the right strategies, you can save money on your home and auto insurance without sacrificing coverage.

McMichael Insurance suggests taking the time to research and compare prices, coverage options and customer reviews to find the best deal for your needs.

Many insurance companies offer discounts for bundling multiple policies in Cincinnati, such as home and auto insurance. This can result in significant savings, so it’s worth considering bundling your policies with one company.

Consider your deductible. A deductible is the amount you pay out of pocket before your insurance coverage kicks in. By increasing your deductibles, you can lower your monthly premiums. Just make sure you have enough money set aside to cover the deductible in case of an emergency.

Believe it or not, your credit score can affect your insurance rates. Insurance companies use credit scores as a factor in determining risk, so having a good credit score can result in lower premiums. Make sure to pay your bills on time and keep your credit card balances low to improve your credit score.

Make sure to read reviews from current and past customers. This will give you an idea of the company’s customer service, claims process and overall satisfaction.

Let McMichael Insurance help you find the best home and auto insurance rates and coverage.