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Many great things come in pairs – peanut butter and jelly, Astaire and Rogers, auto and home insurance. Getting your auto insurance and your home insurance from the same carrier could earn you a big discount. You’ll typically save 10 to 15 percent off your premiums.
All the best,
Timben
Tuesday, September 29, 2009
Fewer payments mean lower rates
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Rather than finance your insurance payment into six monthly installments, pay your 6-month premium all at once. When you choose the extended plan and divide up your payments, the insurance company adds what they call an “installment payment service fee.” It’s a small fee they add to your payment each month for their processing expenses, but you don’t get more coverage. Pay in full twice a year and those little monthly fees could add up to almost $100 in annual savings.
All the best,
Timben
Rather than finance your insurance payment into six monthly installments, pay your 6-month premium all at once. When you choose the extended plan and divide up your payments, the insurance company adds what they call an “installment payment service fee.” It’s a small fee they add to your payment each month for their processing expenses, but you don’t get more coverage. Pay in full twice a year and those little monthly fees could add up to almost $100 in annual savings.
All the best,
Timben
Don’t pay twice for roadside help
.
The American Automobile Association (AAA) is an organization well-known for offering dependable roadside assistance, but why pay for an extra service when your own auto insurance offers it?
Most insurance companies offer roadside assistance programs for as little as $12 a year. That small fee usually entitles you to jump starts, lockouts, tire changes, towing, gas, and a toll-free phone number. AAA costs more because of additional benefits outside of roadside service, like travel discounts at hotels and restaurants, but if you don’t travel a lot, it’s a better idea to stick with your own insurer.
All the best,
Timben
The American Automobile Association (AAA) is an organization well-known for offering dependable roadside assistance, but why pay for an extra service when your own auto insurance offers it?
Most insurance companies offer roadside assistance programs for as little as $12 a year. That small fee usually entitles you to jump starts, lockouts, tire changes, towing, gas, and a toll-free phone number. AAA costs more because of additional benefits outside of roadside service, like travel discounts at hotels and restaurants, but if you don’t travel a lot, it’s a better idea to stick with your own insurer.
All the best,
Timben
Sunday, September 27, 2009
Buy only what you need
.
You can save money by buying just the insurance coverage you need. Try raising your deductible for comprehensive and collision coverage. You can cut 15 to 20 percent off your insurance rate by increasing your deductible from $250 to $500 or $1,000.
You may be able to stop paying for comprehensive coverage altogether. If your car is paid off, switch to just liability insurance, and you could save hundreds of dollars a year. As a rule of thumb, comprehensive and collision coverage aren’t worth the cost if the value of your car doesn’t add up to 10 times the annual premium. If that’s the case, all you need is liability coverage.
All the best,
Timben
You can save money by buying just the insurance coverage you need. Try raising your deductible for comprehensive and collision coverage. You can cut 15 to 20 percent off your insurance rate by increasing your deductible from $250 to $500 or $1,000.
You may be able to stop paying for comprehensive coverage altogether. If your car is paid off, switch to just liability insurance, and you could save hundreds of dollars a year. As a rule of thumb, comprehensive and collision coverage aren’t worth the cost if the value of your car doesn’t add up to 10 times the annual premium. If that’s the case, all you need is liability coverage.
All the best,
Timben
Do your homework to find a deal
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The best way to find the lowest price on car insurance is to do your homework. Shop around before you sign up with any auto insurance carrier, and you’ll be sure to save money. Rates vary from one carrier to another, so call each company to find out what they charge and give them the same details. Tell them how much coverage you’re looking for, the amount of deductible you want, how frequently the car is driven, your age or the age of the driver, and the year, make and model of the car.
If you’re not sure exactly where to start, talk with the experts. Call your state insurance department and ask them for a list of auto insurance companies and the rates they charge. You can find contact information for the state insurance department by looking in the front of your phonebook or by doing an online search for their Web site.
Once your have the list, contact at least four of the companies with the lowest prices. Give them the same details mentioned before to find out what rates each of them charge for the same coverage. With that information in your hands, you can make an educated decision, and you’ll feel good knowing you got the best deal in town.
Check out the following price quotes for a 2002 Ford Focus ZTQ with 40,000 miles. The two drivers are married, currently have auto insurance, and don’t have any traffic violations. The car, which is driven 10 miles to work, has an alarm system and is still being paid for.
Web Site Lowest quote for 6 months
www.insWeb.com $456.00
www.geico.com $469.10
www.progressive.com $589.00
www.esurance.com $737.00
www.electricinsurance.com $951.00
All the best,
Timben
The best way to find the lowest price on car insurance is to do your homework. Shop around before you sign up with any auto insurance carrier, and you’ll be sure to save money. Rates vary from one carrier to another, so call each company to find out what they charge and give them the same details. Tell them how much coverage you’re looking for, the amount of deductible you want, how frequently the car is driven, your age or the age of the driver, and the year, make and model of the car.
If you’re not sure exactly where to start, talk with the experts. Call your state insurance department and ask them for a list of auto insurance companies and the rates they charge. You can find contact information for the state insurance department by looking in the front of your phonebook or by doing an online search for their Web site.
Once your have the list, contact at least four of the companies with the lowest prices. Give them the same details mentioned before to find out what rates each of them charge for the same coverage. With that information in your hands, you can make an educated decision, and you’ll feel good knowing you got the best deal in town.
Check out the following price quotes for a 2002 Ford Focus ZTQ with 40,000 miles. The two drivers are married, currently have auto insurance, and don’t have any traffic violations. The car, which is driven 10 miles to work, has an alarm system and is still being paid for.
Web Site Lowest quote for 6 months
www.insWeb.com $456.00
www.geico.com $469.10
www.progressive.com $589.00
www.esurance.com $737.00
www.electricinsurance.com $951.00
All the best,
Timben
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