With the right advice you'll pay a lot less for sufficient coverage. However, if you get the wrong advice, although you may still save, it will be by sacrificing the quality of coverage you get. I will, however, only make recommendations that will save you much while you still maintain sufficient coverage...
1. A fire-safe home exterior will help bring down your premiums. Having things that are very inflammable or that aid combustion close to your dwelling will make you pay more expensive premiums. As easy as it seems, cutting back bushes and keeping them up to ten feet from your building will help lower your rates. This is because how fire-safe a house is goes a long way in determining what it will cost to insure that home.
2. You will get cheaper rates if you have motion-sensitive lighting for your home's exterior. Burglars will avoid any place where their activities will be easily observed. And motion-sensitive lighting does this precisely. The risk of burglary is a strong factor in checking a home's risk to an insurer and, consequently, your premium.
3. Having dead-bolt locks on all exterior door will lower your Oregon home owners insurance rate. It's harder for thieves to operate in homes that have such locks. And since a home's risk of burglary is a major factor in calculating your Oregon homeowner insurance rates, you will spend far less.
4. You can get better rates on Oregon home insurance now by visiting at least five quotes sites. Each site will require about 5 minutes or less to obtain quotes. (Some people give information that is not quite true about themselves. That isn't smart since the quotes you'll get this way won't do you any good).
You'll have to pick lowest Oregon home owners insurance quote for you from the list of quotes received. That's all there is to it. But you could easily save hundreds of dollars.
Here are my favorite quotes sites (highly recommended)...
Get Affordable Home Insurance Quotes
Home Insurance Quotes In Minutes
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