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How Available Are You?
The internet can be pretty scary at times. Do you realise how easy it is to access your personal information?
The internet can be pretty scary at times. Do you realise how easy it is to access your personal information? Your phone number, name,...
Park Your Garage Sales On The Internet
You have been planning your garage sale for weeks now. Your garage, as well as you whole home, is stuffed with old records, books, clothing, vacuum sweepers, and other odds and ends that you have no use for anymore. Instead of just tossing your...
Setting Goals -- Your Ticket To Success
You know that old saying -- if you don't know where you're going, any path will get you there. That's what happens if you don't take the time to figure out what your goals are and WRITE them down. There's power in writing things down. Trust me,...
Steps You Can Take To Protect Your Financial Information And Personal Identity From Fraud
Financial fraud and identity fraud are one of the fasted growing forms of fraud. The first line of defense to protecting yourself begins with you. Here are some steps you can take to help you protect and fight against financial and identity...
Ten Easy Ways to Slow Down in Business*
Business runs at a fast pace. You need to consider ways in which
you can comfortably slow down. Because slowing down is
good for you and ultimately your business performance too...
You work better when your pace is slower . It gives
you...
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Nine Ways To Lower Your Auto Insurance Costs
Nine Ways To Lower Your Auto Insurance Costs
You may not realize it, but the insurance rates you pay for your car can vary dramatically depending on the insurance company, agent or broker you choose, the coverage is you request and the kind of car you drive. Listed below are a number of things you can do right now to lower your insurance costs.
1. COMPARISON SHOP. Prices for the same coverage can vary by hundreds of dollars, so it pays to shop around. Ask your friends, check the yellow pages or call your state insurance department (phone numbers are on back page). You can also check consumer guides, insurance agents or companies. This will give you an idea of price ranges and tell you which companies or agents have the lowest prices. But don't shop price alone. The insurer you select should offer both fair prices and excellent service. Quality personal service may cost a bit more, but provides added conveniences, so talk to a number of insurers to get a feeling for the quality of their service. Ask them what they would do to lower your costs. Check the financial ratings of the companies too. Then, when you've narrowed the field to three insurers, get price quotes.
2. ASK FOR HIGHER DEDUCTIBLES. Deductibles represent the amount of money you pay before you make a claim. By requesting higher deductibles on collision and comprehensive (fire and theft) coverage, you can lower your costs substantially. For example, increasing your deductible from $200 to $500 could reduce your collision cost by 15% to 30%. 3. DROP COLLISION AND/OR COMPREHENSIVE COVERAGE'S ON OLDER CARS. It may not be cost-effective to have collision or comprehensive coverage's on cars worth less than $1000
because any claim you make would not substantially exceed annual cost and deductible amounts. Auto dealers and banks can tell you the worth of cars. 4. ELIMINATE DUPLICATE MEDICAL COVERAGE'S. If you have adequate health insurance, you may be paying for duplicate medical coverage in your auto policy. In some states, eliminating this coverage could lower your personal injury protection (PIP) cost by up to 40%. 5. BUY A "LOW PROFILE" CAR. Before you buy a new or used car, check into insurance costs. Cars that are expensive to repair, or that are favorite targets for thieves, have much higher insurance costs. Write to the Insurance Institute for Highway Safety, 1005 North Glebe Road, Arlington, VA 22201 and ask for the Highway Loss Data Chart. 6. CONSIDER AREA INSURANCE COST IF YOU ARE MAKING A MOVE. Costs tend to be lowest in rural communities and highest in center cities where there is more traffic congestion.
7. TAKE ADVANTAGE Of LOW MILEAGE DISCOUNTS. Some companies offer discounts to motorists who drive fewer than a predetermined number of miles a year. 8. FIND OUT ABOUT AUTOMATIC SEAT BELT OR AIR BAG DISCOUNTS. You may be able to take advantage of discounts on some coverage's if you have automatic seat belts and/or air bags. 9. INQUIRE ABOUT OTHER DISCOUNTS. Some insurers offer discounts for more than one car, no accidents in three years, drivers over 50 years of age, driver training courses, anti-theft devices, anti-lock brakes and good grades for students.
About the Author
Copyright © 2005 ISecureDbet. Get more finance tips and debt management advice from http://www.isecuredebt.com and visit the new credit secrets report http://www.isecuredebt.com/debt-free-book.html
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