Tag Archives: car insurance - Page 2

Tips to Lower Your Car Insurance

Posted by on May 26, 2010 Comments Off

Need to trim some fat from the budget? One way to do that is by lowering your auto insurance. Here are some tips to do that:

  • The very best way to have low car insurance is to own a vehicle that qualifies for a discount or one that does not have a surcharge. If you are on the hunt for a new car call your insurance carrier and gets quotes prior to buying a car. Your insurance carrier will be able to tell you if any of the cars have a discount or surcharge.
  • Are you an infrequent driver or do you drive less than 7,500 miles a year? Let your insurance company know this if they don’t already. You will most likely receive a discount since you are on the road less and have a lower chance of getting into an accident.
  • It may sound simple but call up your car insurance company and ask them for discount. You might be surprised by what happens. Let them know if you have an airbag, theft alarm or don’t drive much. A buddy of mine called his Tampa auto insurance agent and simply asked for a discount and he received one.
  • Do you own a home? Ask your home insurance carrier if you can receive a discount if they provide you with your auto insurance.
  • Your insurance premiums will go down if you increase your deductibles on your collision or comprehensive insurance coverage.
  • Do you drive an old clunker? You may want to consider dropping your collision insurance. Any claims will be limited to book value so if your vehicle is not worth much than explore losing this insurance. Call your carrier and see if the savings are worth it.
  • Think twice about filing small claims. It might be better just to pay the repair out of your own pocket. Your premiums could go up more than the small expense.
  • Don’t assume all insurance companies are going to quote you the same rates. Shop thoroughly for insurance as there can be a substantial difference between carriers,
  • Have you had any changes in your life like marriage, buying a home or better grades? These can get you a discount. Getting older is another thing that can save you money. Older drivers are usually safer drivers thus less to insure.
  • Be a safe driver. Insurance companies will naturally charge less to drivers who are not frequently in accidents or who avoid getting traffic violations.
  • Are you a parent to a teenager? They can expensive to insure. Consider letting them share your care versus having their own.
  • How is your credit rating? Some insurance companies are giving discounts to people who have a good rating.

Take this list and call your insurance carrier with these questions. It might save you a few bucks.

Slade Tanner has a blog about Tampa car insurance.

How to Compare Car Insurance Quotes Successfully

Posted by on May 3, 2010 Comments Off

The internet is an incredible source for gathering information of all sorts including obtaining multi car insurance quotes from a variety of companies. Instead of making phone calls or scheduling appointments, sit down on the computer for a few hours and put some dedication into research. While most vehicle owners think they knows everything about daily car insurance coverage, most of them do not, and it really is important to understand all of the basics and details involved.

When researching for car insurance estimates online, make sure that the limits and deductibles from the current or previous policy are the same as the one being looked up. Otherwise, results that are found will be quite skewed and could make it appear that a car insurance carrier is more expensive than other providers when in actuality it is much cheaper.

Adjust limits and deductibles to see what sort of changes appear in car insurance premiums. Surprisingly, going from the minimum amount of liability coverage to 100,000 dollars in protection will only increase by a few dollars per month. Furthermore, taking a 250 dollar deductible and turning that into one thousand dollars could literally save hundreds of dollars annually.

Make sure when getting these car insurance quotes that they are indeed quotes, not just quick estimates. Some major companies offer ballpark guesses that only require a few pieces of information whereas legit quotes take a few minutes to fill out and include personal information. The accuracy between the two is miles apart so do not make the mistake of choosing estimates over quotes.

Save an incredible amount of time by shopping on the internet. This is one of the biggest advantages that vehicle owners have nowadays. No longer do individuals have to rely on car insurance brokers or agents to get quotes from all sorts of companies in exchange for a fee.

Comparing car insurance quotes online is really quite simple and only takes an evening to do so. All the way from start to finish, this entire process should be very satisfying and will lead to incredible results. Overall, while performing personal research and actually doing the work individually takes time and effort, the potential in savings will pay for itself many, many times.

Car Insurance and Reducing Coverage

Posted by on May 3, 2010 Comments Off

Vehicle owners that are stuck in tough financial binds should really look towards multicar car insurance rates as a means for saving money and bringing in some extra cash. From the ability to take advantage of discounts and savings to changing cheapest car insurance for students companies for the ultimate policy, individuals have plenty of different ways to get what they are looking for. While it is no doubt that performing all of these steps will lead to the best results in saving the most money and purchasing a car insurance policy for the highest quality of company boasting great customer service and incredible competitive results, there is still a decent amount of vehicle owners that will not take advantage of the offer. Sometimes, anything that requires extra effort and time outside of the work or career is too much work and while it can be quite sad to see them lose hundreds even thousands of dollars by not being dedicated, it helps other persistent vehicle owners get what they want in savings.

Reducing overall car insurance coverage is something that probably not many individuals see as a means for saving money on car insurance rates simply because it means taking away from what is already being purchased. But, if towing and rental car coverage are currently in the policy, taking them out can be extremely beneficial as they are not worth the monthly investment at all. Furthermore, while most people are not going to need to reduce their liability protection, anything over five hundred thousand dollars in coverage might be a little overkill for the majority of situations because car insurance providers recommend 100/300/100 (in thousands of dollars) from years of statistics. Overall, cutting down on protection is definitely an easy and effective way to lower car insurance costs just make sure to take advantage of all the other ways to get the maximum benefit.