A new year is upon us and many have made New Years resolutions they are currently attempting to keep. Many of us resolve to live healthier lifestyles, quit smoking, lose weight and save more money this time of year, but have you considered that one of your New Years resolutions should be to examine and update your insurance coverage?

The start of a new year is the perfect time for evaluating and updating your insurance policies. Many people secure their insurance policies, and then go on about their lives without giving a second thought to their coverage. We at Breathe Easy Insurance Solutions suggest that you use this time of year to take a look at your insurance policies, and then update them to prepare for a more safe, secure and fiscally responsible New Year. We offer a few suggestions for ensuring your policies not only provide the coverage you need, but that you are not over-paying for coverage that you do not need or does not apply to your situation. Additionally, you may require coverage for changes in your life, such as homeowners insurance if you purchased a home.

1.) Review Your Policy With Your Agent

Over the course of a year, your life can and usually does change in various ways. Review your existing policies with your insurance agent and let him know about any changes you may need in your coverage. Now is the perfect time for a comprehensive policy review. Take advantage of this time so that if the unforeseen happens, you are in a good position and ready to deal with it.

2.) Maximize Insurance Discounts For Which You Qualify

Discuss with your insurance agent about discounts for which you may qualify that you are not yet getting. Your insurance agent knows where to look for additional discounts, and he can help you identify and implement them. For example, if you have a car insurance policy, and then you subsequently insure your home, you will likely qualify for a discount with your carrier. If you have multiple vehicles, your carrier will probably provide you with a multi-car discount.

3.) Do Not Be Under-insured!

If you have homeowners insurance, the New Year is the time to re-evaluate your policy. Has your home increased in value? If so, you may need to increase your coverage in case you need to rebuild or repair your home due to a fire or another emergency. Additionally, if you are ever named as the defendant in a law suit from someone who claims to have been injured on your property, you will be glad that your homeowner coverage is up to date.

4.) Update Your Personal Home Inventory

If you own a home, now is the time to take inventory of your personal items and furniture. Have you made any significant purchases over the past year? Your homeowners policy should cover any valuables, including jewelry, furs, computer equipment and furniture.

5.) Streamline Your Policy Management Process

If you have not yet done so, now is a great time to streamline how you manage your policy. Most insurance carriers enable customers to manage their policies online. Most carriers also offer paperless billing and other advantages that will help you effectively and efficiently manage your policies.

6.) Consider Your Additional Insurance Needs

Have you recently purchased a personal watercraft, an RV or an ATV? Make sure these items are insured with adequate coverage. Your insurance agent can help you identify your unique insurance needs to provide you with financial security and peace of mind.

If you are in the market for cheap SR22 insurance, look no further than Breathe Easy Insurance Solutions. We offer California SR22 insurance for drivers who need state-approved coverage fast. Our agents will electronically file your SR22 certificate so the DMV can quickly process your paperwork and get you back on the road. Call 866.822.7755 to speak with a Breathe Easy Insurance Solutions customer service representative, or use our contact form on our site to submit a request for an SR22 insurance quote.