Since more and more communities are expecting you to take responsibility for your potential liability, the question of the day that everyone is asking is, of course, “How can I get cheap renters insurance?” While we have Dallas Renters Insurance in mind when we write this, this article is applicable anywhere. Here are some of the best options to save money on renters insurance.
Date An Insurance Agent
C’mon, insurance agents are sexy! While most actuaries won’t qualify, insurance agents are the front line that customers like you see, so every single one of them is attractive and well worth dating. That woman on the right? Of course she’s an insurance agent!
But if you don’t like blondes, you’re not out of luck, either! If you prefer dating tall (very tall), dark, and (some say) handsome, with a bonus ability to bench press the Big Show, did you know that Kane (AKA Glenn Jacobs, of WWE wrestling fame) is an insurance agent? Of course, his wife might have something to say about you dating him, but the point is that dating an insurance agent is a great way to get cheap renters insurance.
Keep in mind that there’s a limited supply of risk management professionals in the dating pool, so you’ll have to move fast. There’s also only so much they can do to reduce the price because – guess what – insurance agents don’t set the price of your renters insurance, some guy in a suit that you’ll never meet sets the price.
Pwn The Insurance Company’s Computers
This one does not come highly recommended. Sure, you can hack your way into a cheap renters insurance policy, but to issue the policy you’d have to give them your real name and your real address. That’s not exactly a recipe for getting away with it. Besides, that level of intrusion is the sort of thing undertaken by state actors who have bigger things in mind than just getting a cheap renters insurance policy.
For what it’s worth, the image to the right has absolutely nothing to do with hacking or insurance. It’s actually AngularJS that makes changes to the DOM on your template. It’s not something you’d use for nefarious purposes, it’s code you’d use if you were designing the front end of a website.
Pay With Counterfeit Bills
Everybody knows how counterfeit money works – the last guy left holding it is the one who takes the loss. So if you can get away with using funny money you can get a free renters insurance policy. Of course, the risk involved is rather high.
It’s become progressively more difficult to get away with it in recent years with the introduction of security features like the ultra-high-tech alp… Nevermind, we’ve just been informed we can’t talk about that particular security feature. But suffice it to say this is a really bad idea.
So bad that no one should try it. Losses like that are what drive up the cost of providing insurance and make it more expensive for everyone. So don’t do that, because then everyone won’t like you.
Get Someone Else To Pay For It
If you’re one of those people, great. If you’re in college and your parents will pay the premium, you’ve got cheap renters insurance. If you’re in an arrangement, and your sugar daddy will pay for it, that works, too. But for most people, getting someone else to pay to transfer your risk to the insurance company isn’t likely to happen.
If you figure out a surefire way to get other people to pay for things that you need that’s reproducible, let us know. Because that would be pretty awesome. But as far as we can tell, there aren’t very many good ways to pull that off.
But we’d love if you’d share your system.
Hack The Process, Not The Computer
You could, in theory, hack together a program that would submit your information to every carrier and every comparison site and every agency in the country. Since each one uses different field labels and asks different questions, that’s not a productive way to do things.
Not to mention you’d need a fake phone number for all the calls you’d get from the lead generation sites and a fake email for a similar purpose. That adds time, money, and complexity to the process. It also makes it more difficult for the insurance companies to verify your identity and know who they’re insuring.
On second thought, it’s faster just to enter the information yourself.
Move To Another State
North Carolina Renters Insurance is some of the least expensive in the country. Then again, many parts of the state either have minimal career opportunities or they have plenty of tech career opportunities but the jobs are already taken by people who will work for much less than you would.
Oregon Renters Insurance is pretty inexpensive, as well, but if you’re used to living in Dallas that might be quite an adjustment to the climate. Not to mention the political climate is a bit different there than what you’re used to, as well, which might make it less practical.
Moving to another state is sounding less appealing, too. Most of these ideas to get cheap renters insurance are kind of striking out. So what do you do if all the creative ideas to save money on your policy don’t work?
All Renters Insurance Is Cheap Renters Insurance!
Yes, we said it! It’s all about the cost-benefit. Sure, you’ll pay more for renters insurance in 75116 than you will in 75243. But that’s because statistically there is more crime and a higher loss ratio in one zip code than in the other. But renters insurance will always be cheap as long as you can assume two of three things.
- You will suffer a loss at some point in your life AND
- The cost of the renters insurance is less than the cost of your stuff OR
- It’s easier for you to pay monthly or yearly for renters insurance than to pay to replace all of your stuff at once
It’s a safe assumption that you will suffer a loss sooner or later. Whether that’s a theft from your car, a break-in, or a fire because your neighbor left a pan on the stove and turned around “just for a second” to answer the phone, or something else, there is a one hundred percent chance that you will suffer some type of financial loss as a result of a covered peril on renters insurance or incur liability between now and the end of your lifetime. The only question is what kind of loss, and how large of a loss.
You may also safely assume that either the cost of the renters insurance is less than the cost of the loss to your property or that it’s easier to make payments on renters insurance than to replace everything you own in a single shot. Do you want to write a fifteen thousand dollar check to replace everything? Probably not. But your insurance will do exactly that, and it only costs you about fifteen bucks a month.
In short, the easiest way to get cheap renters insurance is just to buy a policy, because all renters insurance is cheap compared to the cost of the loss! To find out how affordable it can be, just call (800)892-4308 or click to get covered - whether you need Dallas renters insurance quotes online or coverage anywhere else!
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