Rates from different insurance companies can vary by hundreds of dollars for the same coverage, so spending a few minutes to compare prices will be well worth your while.

Where to Shop

The easiest way to comparison shop for your homeowners policy quote is to go to an insurance comparison website. These websites allow you to get fast quotes from multiple insurance companies at one time.

How does it work? Well, first you fill out a simple online form with your insurance information, including the value of your home, where your home is located, and what deductible you want.

Once you submit the form, your information is automatically delivered to several A-rated companies that can match your needs. These companies work up personalized quotes and deliver them to you.

All you have to do is compare those quotes and choose the best one. And if you have any questions throughout this process, the best insurance comparison sites even offer a chat feature so you can get answers from insurance experts.

More Money-Saving Tips

In addition to comparison shopping, here are some additional tips that will help you lower your homeowners premium even more:

* Set your deductible as high as you can afford. The deductible is the amount you pay toward any claims before the insurance company starts paying. A high deductible means a lower premium - as much as much as 35 percent lower!

* Look for discounts. Discounts directly lower your premium. Common discounts on homeowner policies include non-smokers discount, senior citizen discount, and auto/home discount, as well as discounts for safety features such as smoke detectors, alarm systems, fire extinguishers, and deadbolts.

Insurance companies don't always tell you about all the discounts they offer, so you need to ask your agent to give you all the discounts you're eligible for.

Where to Get the Best Rates

Visit http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to get affordable homeowners insurance policy quotes from top-rated companies and see how much you can save. You can get answers to your questions from an insurance expert through their online chat service.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance industry, and have written numerous articles on getting an affordable homeowners insurance policy quote.