Grand Rapids, MI -- (SBWIRE) -- 08/13/2014 -- Michigan residents are shopping online more then ever for better Michigan home rates according to Jayson Lash. The use of the internet can eliminate a lot of the phone, or face to face contact that allows an agent to get you the best rates. Here are some of the things Jayson says that you should point out when shopping online for better Michigan home insurance rates.

One of the biggest discounts available for homeowners is the multi policy discount. If your buying a new house, or just shopping online, make sure you include your auto insurance to get the best rate. The home and auto insurance discount can be as high as 40% according to Jayson.

Another big discount that Jayson says he see's people miss out on are home upgrades and renovations. People get a new roof put on all the time and fail to let their insurance agent know about it. This is a decent discount that should be taken advantage of and can help recover some of the costs from the renovations. Other upgrades that can qualify for discounts would include electrical upgrades, plumbing and heating. Make it a point to put these upgrades on the form when getting online quotes and save the most money!

The last discount doesn't get missed as much due to the fact that most agents just apply credits for this without even asking. If you have dead bolt locks, smoke detectors and fire extinguishers on each floor, make sure you let the company know. This discount can add up to 5-10%. It all adds up, so why not make sure your getting every discount available!

The last tip isn't necessarily a discount, but rather a way to get better Michigan home insurance rates. Make sure you choose an agent that offers multiple carriers as they have the ability to in most cases find better rates now and also can move you to a better carrier in the future if you see a rate increase. Independent agents goals should be to earn your business, then work hard to keep it by providing you the best rates available for many years to come!

Follow this advice and take the time to visit sites for Michigan home insurance online and start saving today. Don't get caught in the trap of reading about how you can do something, when you can just go ahead and do it. Take 5 minutes to fill out the online quote form and then take another 5 minutes to speak to the agent when they call and you can more then likely save hundreds on your new Michigan home and auto insurance policies that you will find.

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