1.
You will lower your home insurance cost if you have an excellent credit rating.
A poor credit history will attract higher rates.
It's usual for providers to assume that a person who misses credit card payments will likely miss payments of premiums.
This assumption of high risk makes such individuals get higher rates in home insurance and other insurance policies.
2.
It is profitable to stay with the same insurer.
Using the same company for at least 3 years will get you special discounts from many insurance companies.
The longer you stick with the same insurer, the more the discount you'll be given.
But in some cases it is wiser to leave for some other insurer.
Assuming your premium is $2,500 and you are given a five percent discount when you stay for about five years you will pay $2,500 - (5% of $2,500 or $125) = $2,375.
Between these three years you might get an insurance provider who'll give you the same home insurance coverage or better for less than $2,000.
If this is true about you then you know it is wise for you to go for the cheaper offer immediately and not wait for years to qualify for a discount that won't even save you as much.
3.
If you need a discount, get your home insurance policy from the same insurer you bought existing policies from.
Insurers offer a multi-policy discount to persuade you to buy more policies from them.
On the other hand, all the money you may save may still pale into significance if compared with savings you will make by getting your policies from several companies.
4.
Visit at least three quotes sites.
Get and compare Mississippi home insurance rate quotes from each of them and you'll see who has the best rate.