Q: How can I save money on my homeowners insurance?

Insurance premiums are on the rise and consumers aren't happy about it. Nevertheless, that does not mean that you should be yet another victim of the high premiums. You can save money on your homeowners insurance, and here's how:

• Make sure that you shop around for your policy
• Research each type of policy
• Contact the company that you are looking for and ask them any questions that you have
• Get a quote
• Compare policies
• Lookat what's right for you
• Don't concentrate mainly on price, you should also compare the coverage plans
• Ask your family, friends and co-workers
• Try purchasing your homeowners insurance from the same carrier that you have your health, life or auto insurance policy
• Look for benefits
• Be sure to read the fine print on any policy
• Look for discounts
• Raise your credit score
• When purchasing a house, look at its overall condition and estimate how much your premiums will turn out to be
• Look for a house in a safe area because those are one of the factors that identify how much you will pay for your premiums
• Quit smoking
• Purchase safety alarms and other features that will help you lower premiums