Free home insurance quotes can be looked at as one of the simplest and most straight forward ways of getting and enjoying affordable home insurance. Failure to get and compare house insurance quotes may mean you would be paying far more than you would have had you done so.How Does Quotes Work?Quotes comparison is simply looking at what different insurance companies are offering for a policy. Common sense dictates that the more quotes you can compare, the more likely you are to find the most affordable home insurance rates. It works in a very simple way. You first need to get to a quotes comparison site. It is recommended that you go to an independent site because there are company sponsored sites that would try to make the sponsor company look very good. With an independent site, you are sure you are getting a quotes from different insurance companies that have been allowed a level playing field to operate on.The next thing to do will be to fill out the little online form. Do well to supply correct information as this would affect the quotes you get. After you have done this, you would begin to receive quotes from different insurance companies. All you would now need to do would be to go through the quotes and choose which one offers the best deal.Why Would My Information Affect My Quote?In insurance, the insurance company is offering cover against certain perils. The more likely it is for such perils to occur, the more your rates would be. Let’s say you live in an area prone to flooding and you are getting cover against flooding, your rates the same as someone who lives in an area where flooding rarely or never occurs.I must point out here that you can not cheat by giving a location different from where your home is as this alone renders the agreement invalid and even if you get quotes with these wrong information you would have totally defeated the aim of getting the quotes in the first place.Is This All I Can Do To Save?This is the first step to making savings. You can make further savings by raising your deductible. Your deductible is an amount you opt to pay before your policy terms can be enforced. The higher you choose to pay then, the lower your rates would be.You can also save by taking advantage of discounts available on your policy. There are a number of discounts you can take advantage of to make nice savings. Talk your insurance agent for a list of these discounts and how you can qualify for them.Do not fail to get and compare free home insurance quotes.