Finding affordable policies for Colorado homeowners and auto insurance can be tricky, especially if you’re not sure what to do in order to lower your premium. Discounts are available for those who know what they are and are prepared to use them. Don’t rely on your insurance provider to tell you about what kind of discounts are available. Actively seeking discounts is the best way to get them applied to your Colorado homeowners and auto insurance policies.

Raising your deductible isn’t really a discount, but it’s a trade secret that can automatically make your homeowners insurance and auto insurance premiums go down, even if only by a small amount. Many people make the mistake of raising their deductibles so high that they cannot pay the out of pocket expenses in the event of an emergency. Only raise your deductible as high as you can afford.

Combining your policies isn’t a discount either, but it should be! Many insurance providers offer more than just one kind of insurance. Many also offer discounts for those customers who choose to purchase both their homeowners and auto insurance policies from the same company.

Of course, standard discounts are available for both homeowners and auto insurance policies.

Security Measures: Fire sprinklers, storm shutters and security alarms are all things you can add to your home to increase its security and also reduce your homeowner’s insurance. If you have a car, install LoJack or another security device and get a discount!

Loyal Customers: The longer you’re with a particular insurance company, the more likely you are to receive the unwritten “loyal customer” discount available to those few who stay with a company for a long time.

Student Discounts: Students need love, too! Especially those that get good grades. B average or better? You’re eligible for a discount!

If you’re ready to start finding Colorado homeowners and auto insurance discounts on great policies, you can get the ball rolling immediately. Just plug in your Colorado zip code and select the “Auto and Home” option at http://www.ColoradoAutoInsurance360.com and start finding homeowners and auto insurance quotes from competing companies today!