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Save Big Bucks on Your Car Insurance
by Matthew C. Keegan
Insurance costs continue to rise, and car insurance is no
exception. Depending on where you live, you can expect to see
regular and sharp increases in your car insurance premiums over
time. There has to be a better way! Fortunately, there is. Let's
examine several sure fire ways you can save money on car
insurance.
Examine Your Policy Is your policy correct? Are you
listed at the right address? Even a one digit variation in your
zip code can shoot your rates through the roof. Make certain
that everything about you is listed correctly on your policy.
Notify your insurance agent if there are mistakes.
Go Shopping For car insurance, that is. Not all companies
charge the same and new companies
Cars at up to
90% off the book value!
to the market may sweeten the
deal for you in order to entice you to make a switch.
Change Your Deductible A $250 deductible is fine until
you discover that the cost for having a deductible at this level
can send your rates skyward. Instead, think about a deductible
as high as $1000 to save on premiums. Pay for minor accidents
out of your pocket - you will come out ahead of the game.
Get Rid of Collision Coverage If your car is worth less
than $3000, think about dropping collision coverage. Yes, you
will receive no compensation from your insurer if your car is
wrecked, but the savings you gain by discontinuing collision
coverage can be set aside by you as a down payment for your
Get a free brand new car!
next
car.
Pull Policies Together Do you own a home? Do you have
life insurance? If so, consider purchasing all of your insurance
policies through one broker as you may be eligible to receive a
discount from them for grouping together your policies.
Get the Discounts If your car came equipped with certain
safety and security features, make sure that your insurer knows
about them. Some older model cars do not include air bags as
standard equipment, however if your car has airbags and you
aren't receiving an insurance credit for them, notify your
insurer to have your premium reduced accordingly.
You can also reduce your insurance premiums by taking a Driver's
Education course, by
making certain that all previous points
that you accumulated on your license were expunged from your
record, and by electing to purchase a less "risky" car -
insurance risk, that is.
By following the tips I have outlined in this article, you can
save big bucks on your car insurance. Take control of your
insurance costs and don't assume that the insurance companies
have your best interests at heart - quite frankly, some do not.
About the author:
Copyright 2006 - For additional information regarding
Matt Keegan, The Article
Writer, please visit his blog for wit,
quips, and freelance writing tips.
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