3 Smart Financial Resolutions to Lower Your Insurance Costs in 2026

The New Year brings a fresh start, and for many, that means financial resolutions. But what if your easiest and most impactful resolution for 2026 was right under your nose: your insurance? At InsuraPro Advisors, we believe in proactive protection and smart savings. You don't have to wait until your renewal to make changes.

Here are three powerful financial resolutions you can act on today to significantly lower your insurance premiums for the year ahead!

Resolution #1: Improve Your Credit Score (It Pays Off!)

You might think your credit score only affects loans and credit cards. Think again! In many states (including Virginia and Maryland), insurance companies use a credit-based insurance score as one factor in determining your premiums for auto and home insurance. A higher score often means lower rates.

What to do today:

• Check Your Score: Access your free credit reports from Equifax, Experian, and TransUnion.

• Pay Bills on Time: This is the single biggest factor. Set up automatic payments!

• Reduce Debt: Lowering your credit utilization can quickly boost your score.

  
  

A few simple steps now can translate into real savings when it's time to review your policy.

Resolution #2: Strategically Adjust Your Deductibles

Your deductible is the amount you pay out-of-pocket before your insurance kicks in after a claim. Here's the smart play:

• If You Have Healthy Emergency Savings: If you have a solid emergency fund (3-6 months of expenses), consider increasing your deductibles on your auto and home policies. A higher deductible usually means a lower monthly premium.

• If Savings Are Tight: Stick with a lower deductible. The peace of mind knowing you won't face a huge out-of-pocket expense if disaster strikes is worth the slightly higher premium.

  
  

It's all about finding the right balance for your financial situation. We can help you weigh the pros and cons.

Resolution #3: Unlock Discounts by Bundling Everything!

This is often the easiest and most effective way to save big! When you purchase multiple insurance policies from the same carrier, you almost always qualify for significant multi-policy discounts.

Think beyond just Home and Auto:

• Home & Auto: The classic bundle, offering substantial savings.

• Add an Umbrella Policy: This adds an extra layer of liability protection and often comes with a discount for your other policies.

• Life Insurance: Bundling your life insurance with your home and auto can provide further savings while securing your family's financial future.

• Even Business Policies: If you're a small business owner, check if your commercial policies can be bundled.

  
  

Bundling simplifies your insurance management and often delivers the steepest discounts. Why pay more when you can get comprehensive coverage for less?

Start Your 2026 Savings Journey Today!

Don't let these simple resolutions stay on a list. Taking action now can lead to real savings throughout 2026 and give you peace of mind. At InsuraPro Advisors, we're here to help you make sense of your options, find hidden savings, and ensure you have the right protection for your goals.

Ready to make your first financial resolution a reality?Contact InsuraPro Advisors today for a free, no-obligation policy review!