7 Ways to Save Money On Car Insurance

7 More Ways to Lower Your Car Insurance Rate
If You Refuse To Pay High Insurance Rates Here Are 7 Bargaining Chips you Can Use to Negotiate a Better Insurance Rate.
Everyone knows that having a good driving record is one of the best ways to keep your car insurance rates down. Here are a few other ways to help lower your costs.
1. Shop Around
Make companies compete for your business. Prices will vary from company to company. So, be sure to ask at least 3-4 different companies for a quote. Make them earn your business.
Talk to your friends, neighbors and coworkers about their insurance policies. If they re happy with their insurance company there is a good chance you will be too.
There are dozens of companies on line willing to give you a free car insurance quote (like FreeCarInsuranceQuotes.org and CarInsurance.com). This may be a good starting place for you. Keep your eyes and ears open for radio and TV advertisements too.
Again, these agencies are willing to compete for your business; so, don t settle.
2. Ask For Higher Deductibles
Deductibles are what you pay before your insurance policy kicks in. By raising your deductible, you can lower your insurance rates significantly. For instance, raising your deductible from $250 to $500 can reduce your collision and comprehensive coverage 10-30 percent. Raising your deductible to a $1000 could save you as much as 40% or better. Just be sure you have the cash on hand to cover yourself in the event of a claim.
3. Have Safety/ Anti-theft Devices Installed
You may be eligible for further insurance discounts if your vehicle is equipped with one or more options: anti-lock brakes, automatic seat belts, air bags, or traction control. Installing a vehicle recovery systems such as LoJack or Teletracer can save you up to 7-10% per year.
Other Anti-theft devices like The Club are relatively inexpensive and can also help to reduce your insurance premiums.
4. Consolidate Insurance Policies
Insuring two or more vehicles through the same insurance company can help to reduce your insurance rates by as much as 10%-15%. Covering your home through the same company that insures your vehicles can help lower your rates by an additional 10%-15%.
5. Teenagers and College Bound Drivers
Teenagers and college bound drivers may consider driving the family car instead of driving his or her own vehicle. Students attending school and living away from home can reduce their premiums by as much as 30-50 percent this way.
6. Take Advantage of Low Mileage Discounts
Many insurance companies offer reduced insurance rates to people who car pool to work or find other ways to keep their mileage low.
7. Safety Courses
Along with having a clean driving record, taking additional driver s safety courses could save you some 7-10% on your car insurance. If you are given a traffic citation, ask about the types of courses they offer. Some states willing to keep your insurance record clean if you agree to take complete these courses.
In Conclusion
Lowering your auto insurance, in many instances, is about knowing what questions to ask and what you are entitled to. Since many companies aren t going to do your homework for you, here is the short list of discounts you should inquire about:
[ ] Low Mileage [ ] $500 Deductible [ ] $1000 Deductible [ ] More than One Car [ ] No Accidents in 3 Years, 5 Years, and so on [ ] No Moving Violations in 3 Years [ ] Driver Training Course [ ] Defensive Driving Courses [ ] Anti-Theft Devices [ ] Safety Features (like Air Bags, Anti-lock Brakes, Daytime Running Lights, etc.) [ ] Student Drivers with Good Grades [ ] Consolidating Policies [ ] College Students Away From Home [ ] Long-Time Customers [ ] Discounts for Non Smokers and Retirees
Deductions will vary from state to state and from insurance company to insurance company. So be sure to ask.
Also the key to lowering your auto insurance rate is not necessarily how many discounts you are eligible for. It s the bottom line that matters.
To get an instant car insurance quote online--right now--visit our site at http://www.carinsurancequotesnow.com



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Where to Find Cheap Auto Insurance Rates

Looking for cheap auto insurance rates? Here s the best place to find them.
Cheap Auto Insurance Rates
Finding a cheap auto insurance rate these days is like looking for a needle in haystack - it may take a while. You can spend half a day calling local insurance companies trying to get quotes. You can spend hours on end going from one insurance company website to another. Or you can spend a few minutes at an insurance comparison website.
Insurance comparison websites represent a number of insurance companies so you can get multiple quotes quickly and easily. All you have to do is fill out a simple questionnaire with your insurance and driving history, plus the amount of insurance you want, then wait for your quotes.
With most insurance comparison websites you get quotes from A-rated companies so you know the company you choose will be reliable and will give you good customer service. Some of these sites even let you talk with an insurance expert online, or by telephone, so you can get answers to any auto insurance questions you may have. (See link below.)
Going to an insurance comparison site is by far the quickest and easiest way to find a cheap insurance rate quote.
Getting the Cheapest Auto Insurance Rate
Once you find the best auto insurance rate, you can lower it even further by doing the following:
Increase your deductible - Increasing your deductible can save you hundreds of dollars a year on your yearly premium. The amount you save over time will more than equal your deductible so you ll be dollars ahead.
Drop your collision and comprehensive coverage - If you drive a car that s five years old or older, or you car is worth less than than your yearly premium plus your deductible, consider dropping your collision and comprehensive coverage. Doing this could save you up to half on your insurance.
Ask for discounts - Insurance companies offer all kinds of discounts - low mileage discounts, good driver discounts, multiple policy discounts, security device discounts, and a host of other discounts. Make sure you find out about all the discounts you re eligible for from your insurer and take advantage of them.
Visit http://www.LowerRateQuotes.com or click on the following link to get cheap auto insurance rates from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section.
The author, Brian Stevens, is a former insurance agent and financial consultant who has written extensively on how to get cheap auto insurance rates.



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Home Insurance: Know the Nuances

The necessity of purchasing home insurance is not the same for all. Necessity wise, there are three categories of people who buy an insurance policy for their homes. First, there are the homeowners who do not live in their homes; these people insure the building only. The reason is that they do not live in their homes; and hence, they have nothing to do with the possession of the home.
For these people, the damage of the building matters, not the contents of the home; so, they go for the home insurance that covers only the physical structure of the home. Secondly, there are the people who live as tenants. They are not the owners of the building; so, for them the building does not matter. Rather, they are concerned with the contents of the home. Thus, they prefer the insurance policy that covers the contents in a home.
Then there is the group of people who own the home and live in it as well. For them, the physical structure of the house as well as its contents is important. So, they need the home insurance policy that covers both the home and its contents. In order to meet the needs of all types of insurance purchasers, agencies offer customised insurance policies.
While purchasing home insurance policies, it is necessary for the clients to do research work. The research should include a lot of things: from collecting information on cheap and suitable insurance policies to knowing about the details of the terms and conditions. People living in certain areas or with certain profiles may get lucrative concession on the cost of the home insurance policy. Research is helpful in updating oneself on all these things.
About the author:- The author is an expert in home insurance UK, van insurance, breakdown cover and has written a number of authoritative articles on this subject. His articles are widely read because of the clever tips and valuable advices he provides in them.



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Critical Illness Cover

Critical Illness Cover in the UK pays out a tax free cash lump sum upon diagnosis of a specific critical illness such as heart attack, cancer, stroke, major organ transplant, coronary artery bypass surgery, multiple sclerosis, total permanent disability and kidney failure. You should read the Critical Illness Cover Key Features document for specific details of all the critical illnesses covered and for any exclusions i.e. HIV/AIDS or self inflicted injury.
Critical Illness Cover in the UK can usually be taken out either in a sole person s name or in joint names.
Critical Illness Cover can usually be taken out for a specific term or for whole of life.
Critical Illness Cover is either taken out within a policy which pays out on either the death of the life assured or on earlier diagnosis of a critical illness or just upon diagnosis of a critical illness.
The premium to cover the cost of critical illness cover in the UK is either taken monthly or annually and the premium is either guaranteed to remain unchanged for the term of the policy or reviewable in say five years.
Critical Illness Cover is often taken out to repay in full a liability such as a mortgage upon diagnosis of a specific critical illness or to provide a lump sum to make life more comfortable for the person with the critical illness and the family.runs
The cost of providing Critical Illness Cover in the UK is normally based upon factors such as age, sex, health, term, smoking status, amount of cover and family medical history.
Critical Illness Cover in the UK is available from many insurance companies-please contact a financial adviser for advice.
Alan Hope runs a lifestyle management and concierge service business for both UK and Overseas clients.
His website address is http://www.insuranceplan.org.uk/whole of life insurance.html



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