(NC) Whether it’s home or auto, most of us have signed our name on at least one of these insurance policies. But just because we share the same need as others to protect our belongings doesn’t mean we should share the same premiums.

It pays to be savvy, so follow these tips to personalize your insurance and get the most value.

1.     Shop around

Know you’re getting the best rate by looking at how it compares. Several factors help insurance companies assess your risk level and determine your premium. It’s not one size fits all, so don’t be afraid to shop around. Some providers such as Belairdirect make it easy to quickly get a quote for your home and auto at the same time by offering online service in a matter of minutes.

2.     Be informed

The type of car you drive, your experience, and how you drive may all affect your premium. If you’re in the market for a new vehicle, keep in mind that many newer cars are filled with technology and sensors, which increase repair costs and contribute to rising auto premiums across the country.

3.     Be a myth buster

Don’t let common insurance misconceptions fool you. For example, many people think premiums will increase with each claim. In fact, various insurance policy providers have programs where premiums are not affected by your first at-fault accident. 

4.     Bundle and save

Some insurance companies offer home and auto bundles, which can include perks like discounts and unique coverage opportunities.

5.     Get rewarded

Good driving is a key factor in keeping auto insurance premiums low. Some insurance companies such as Belairdirect reward good driving behaviour with personalized premiums through programs like automerit.