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Wednesday, May 23, 2007
Cut Your Car Insurance Cost in Half
Want to know how to cut your car insurance cost in half? Here's a simple, five-step method that will get you big discounts on your car insurance.
1. Comparison Shop
Premiums for the same car insurance can vary as much as $1,000 or more between companies, so the first place to start saving money on your insurance is to comparison shop.
There are a number of insurance comparison websites where you can get auto insurance quotes from different companies. Get at least three quotes, compare costs, then choose the company with the best rate.
Some of the better sites let you talk to an insurance professional through an online chat service or a toll-free telephone service so you can get answers to your car insurance questions. (See link below.)
2. Raise Your Deductible
Raising your deductible - the amount you pay on a claim before your insurance company pays - can save you 15% to 30% on you premium. It will also prevent you from filing too many claims which can cause an insurance company to cancel your insurance.
3. Drop Your Collision and Comprehensive Coverage
Collision coverage pays for repairs to your car caused by an accident with another car or an object. Comprehensive coverage pays for damage to you car from theft, vandalism, fire, hail, and other causes.
If you drive an older car that's worth less than the cost of your insurance plus the deductible, it's probably not worth having comprehensive and collision coverage. Dropping your collision and comprehensive coverage can save you 15% to 30%.
4. Bundle Your Insurance
Insuring both your car and your home with the same company can save you 10% to 15% on your total premium. A side benefit is that you'll only have one company and one agent to deal with.
5. Request Discounts
Insurance companies offer a variety of discounts - low mileage discounts, safety and security features discounts, safe driver discounts, etc. Before you purchase a car insurance policy, always ask for all the discounts that are available and take advantage of them.
1. Comparison Shop
Premiums for the same car insurance can vary as much as $1,000 or more between companies, so the first place to start saving money on your insurance is to comparison shop.
There are a number of insurance comparison websites where you can get auto insurance quotes from different companies. Get at least three quotes, compare costs, then choose the company with the best rate.
Some of the better sites let you talk to an insurance professional through an online chat service or a toll-free telephone service so you can get answers to your car insurance questions. (See link below.)
2. Raise Your Deductible
Raising your deductible - the amount you pay on a claim before your insurance company pays - can save you 15% to 30% on you premium. It will also prevent you from filing too many claims which can cause an insurance company to cancel your insurance.
3. Drop Your Collision and Comprehensive Coverage
Collision coverage pays for repairs to your car caused by an accident with another car or an object. Comprehensive coverage pays for damage to you car from theft, vandalism, fire, hail, and other causes.
If you drive an older car that's worth less than the cost of your insurance plus the deductible, it's probably not worth having comprehensive and collision coverage. Dropping your collision and comprehensive coverage can save you 15% to 30%.
4. Bundle Your Insurance
Insuring both your car and your home with the same company can save you 10% to 15% on your total premium. A side benefit is that you'll only have one company and one agent to deal with.
5. Request Discounts
Insurance companies offer a variety of discounts - low mileage discounts, safety and security features discounts, safe driver discounts, etc. Before you purchase a car insurance policy, always ask for all the discounts that are available and take advantage of them.
# posted by gopi @ 2:06 AM 
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