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Here are some moving tips that could help save a few dollars.

Save on moving supplies by ordering them online or asking a friend who has recently moved to give you their boxes. Try using crumpled newspaper as an alternative to bubble wrap. Shop around for the good deals on packing tape and other supplies. Instead of renting padded blankets from the truck rental company, use your own blankets, linens and area rugs for padding.

If you use professional movers, consider a "you pack, we drive" arrangement, in which you pack boxes, and the moving company loads, moves, and unloads your belongings. Always remember to get several estimates, as prices can vary considerably. And on the day of your move, take out some of the stress (and save on child and pet care) by asking a family member or friend to baby sit while you're busy loading up the truck.

If you are going to be on the road for a few days, look into motel discounts along your route. If you have an auto membership, may qualify you for a better rate. When you call about them, ask if the hotel or motel includes a breakfast with your stay.

Saving Money on Homeowner's Insurance

1. Raise your deductible. If you can afford to pay more toward a loss that occurs, your premiums will be lower.

2. Buy your homeowners and auto policies from the same company and you'll usually qualify for a discount. But make sure that the savings really yields the lowest price.

3. Make your home less susceptible to damage. Keep roofs and drains in good repair. Retrofit your house to protect against natural disasters common to your area.

4. Keep your home safer. Install smoke detectors, burglar alarms, and dead-bolt locks. All of these will usually qualify for a discount.

5. Be sure you insure your house for the correct amount. Remember, you're covering replacement cost, not market value.

6. Ask about other discounts. For example, retirees who are home more than working people may qualify for a discount on theft insurance.

7. Stay with the same insurer. Especially in today's tight insurance market, your current vendor is more likely to give you a good price.

8. See if you belong to any groups (associations, alumni groups) that offer lower insurance rates.

9. Review your policy limits and the value of your home and possessions annually. Some items depreciate and may not need as much coverage.

10. See if there's a government-backed insurance plan. In some high-risk areas, such as coasts, federal or state government may back plans to lower rates. Ask your agent.
        

      

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