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Alice in Credit Card Land
Your credit card is stolen. You place a phone call to the number provided in your tourist guide or in the local daily press. You provide your details and you cancel your card. You block it. In a few minutes, it should be transferred to the stop-list...
Information Technology Consultants and Professionals: How to Avoid Being Seen as Just Another Salesperson
Here are tips for information technology professionals to meet with prospects without being seen as an annoying salesperson: 1. Don't make cold calls. An unsolicited phone call is the easiest tip-off to a prospect that you are a salesperson. How...
Making Sense of Credit Card Fees
In addition to the APR (annual percentage rate) and the finance charges, most credit cards have a number of 'fees' associated with their use. Some fees are unavoidable with a particular card (like an annual fee or a program participation fee),...
SO YOU WANT TO START A WEB BUSINESS - WELL LET ME TELL YOU SOMETHING.......
Like a lot of people, we often thought about having our own business, but weren't sure what to do. One day my wife, Kim, was talking to her brother, Chris, and he started to talk about his six pack abs. Not to let an opportunity to needle my...
Understanding Your Insurance Claim
If you are involved in an accident it is important that you know the proper procedure for filing an insurance claim. You will most likely need to deal with one or more adjusters who will determine the insurance salvage. Follow these simple tips to...
 
Getting The Best Deal On Auto Insurance

Let your fingers do the walking... Remember that Yellow Pages Ad Campaign? Excellent advice if you’re shopping for auto insurance. Shop around and do it yearly. Don’t just keep paying the invoice over and over without comparison shopping. Below are a few suggestions to help you get the best deal available on your automobile insurance policy.

Insurance agents really have a lot of leeway. They can price match and they can offer many discounts. There are also many decisions you can make about your policy that will save you a bundle. For example, if you change your deductible on your collision from a $50 deductible to a $1000 deductible, you’re inline for a huge premium savings. If you don’t think you could come up with $1000 out of pocket, then change it to a $500 deductible; you’ll still save a sizable amount on your annual premium payment.

You can also get more of a savings if you change your comprehensive deductible. Many people needlessly carry full coverage on their older vehicle. They originally purchased the vehicle new, paid for full coverage and to this day, continue to pay the same high rate. Their ten year old vehicle may be worth $1000 or less, yet they continue to pay $250-$450 every six months (total $500 to $900 dollars a year) to keep full coverage on their old vehicle.

However, if they have an accident and totaled their vehicle, the insurance company will only pay them the wholesale value of the vehicle. The amount they


would receive could be $1000 or less. A vehicle that old just needs the insurance that protects the other person in case of an accident.

Another method to save more on your insurance is by combining your vehicles and other insurance together to get you additional savings. All insurance companies offer a multi-car discount (if yours doesn’t, it’s time to switch companies). Further, many will discount more if you have your homeowners or renters policy with them.

There are a few other discounts that you may not be taking advantage of. It seems obvious, but make sure you are getting the correct rate for your age. There are discounts for various ages than can save you lots of money. Check with your agent on this one. Also alarm systems on your vehicle are usually good for a discount. Additionally, anti-lock brakes and air bags can also help lower your premiums.

Don’t just keep paying the invoice when it comes in. Your insurance bill should be an automatic trigger for you to make a few phone calls to see if you can save even more money on your auto insurance premiums.


About the Author: Author: John Edwards - Find more information about life insurance and auto car insurance at: http://www.insuranceautocar.com

Source: www.isnare.com

 

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