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Pinching Pennies on Auto Insurance

Is money tight and you have already cut all unnecessary spending out? Check your auto insurance policy.
How can you obtain a cheap car insurance policy? There are several ways in which to save money on auto insurance. Start by looking over your currently policy very closely; look for things you can cut out of your policy that really aren’t all that necessary to have. How many insurance policies do you have? Most insurance companies offer great discounts for combining all insurance policies together. Home owners insurance or renters insurance can be included in policies that cover the car or truck and recreational vehicles. Check to see if all the policies can be combined and if so is the discount worth it?

If you are considering changing your insurance company, it is always best to do your shopping before your policy expires. If a lapse of coverage, for even a few days, happens your premiums will go up. Maybe not by a staggering amount but enough to put a check on your safe driver’s discount.

Take stock of all vehicles owned, how often they are driven, are they low key vehicles or vehicles that are likely to be stolen? Annual reports are published, listing cars that are most likely to be stolen or pulled over by the police. If you own a sports car you will more than likely not get a real huge discount. Not only do they attract the attention of would be thieves but the police will be looking for them as well. A vehicle that has not been driven for a year or more can possibly be dropped from the insurance policy. However keeping that auto on the policy may save a little more money than only insuring one vehicle.

Don’t over look your vehicles safety features either. Some insurance companies offer discounts for airbags, seat belts that operate automatically, anti-theft devices, daytime running lights and anti-lock brakes. If the vehicle has the safety features make sure you get the discount for them, if your insurance company offers it.

Don’t jump on the roadside assistance plan your insurance company may offer. Check into the various road side assistance programs and see if they can give you a package that is more financially suitable than the one the insurance company offers. Insurance companies may give decent discounts for having the road side assistance purchased already.

Insure to Save a Buck

How can one save money on auto insurance? Review your auto policies every year. Look at the policy, write all the numbers down and then call your insurance company to see if there are ways to bring the premiums down and still be in line with all local and federal guidelines for auto insurance.

Inventory

List all the vehicles that are currently owned by you. This means all recreational vehicles, RV’s, boats, ATV’s, cars and trucks. Then consider how often you use these vehicles. If a family car and the four wheel drive pick-up or SUV are on the same policy, consider which one should stay at home more.

Some insurance companies offer a variety of packages when insuring recreational vehicles are concerned. Is the RV on the road all year long or only during the summer time? Check to see if your insurance companies offers a plan where you can pay only when the RV is in use. The rest of the year the vehicle is considered in storage. The same can be done with insuring motorcycles an other recreational vehicles.

Employment

Check with your insurance company to see if you qualify for an occupational discount. Some insurance companies take occupation and/or the lack of employment into account. If your occupation is deemed low risk by your insurer, make sure you get that discount or take that information and shop other insurance companies. Always compare prices you may find that your current insurer may not be saving you as much as another company might. If your employer offers membership with Auto clubs or Professional organizations, check with your insurance to see if that may qualify you for a discount.

Shop Around

Don’t just take your insurance agency word for it. Check around and compare. Smaller companies may be able to offer a better savings with a package that is costumed tailored to suit your needs, so don’t forget the little guy. Larger companies may offer a better discount in some areas as where the smaller company may offer better discounts in other areas. Weigh the options.

Driving Record

It is vital in maintaining a good driving record. A slip up could cost you more than you bargained for. An at fault accident will raise your premiums as will a DUI, driving without insurance and various tickets. So keep that driving record sparkling and drive safely.

Busting Insurance Myths

Ways to have cheap car insurance

Everyone knows that you can’t make it without insurance. That goes for all kinds of insurance health, life, home, and car. What is a little less known is that things like type of car can influence the price of that insurance. I will try to inform you about such things so that you can better choose that insurance.
When it comes to insurance everything is not equal. Things like the type of car can change the price of insurance. Cars like the Buick Lucerne, Buick LaCross, Toyota Camry, Volvo V70, and Toyota Avalon, are the cheapest cars to insure.

The reason these cars are cheaper to insure is that they are what some would call a boring car. Not to say that these cars don’t have the great characteristics, they just are not labeled as racing cars, nor do they have a lot of expensive extra parts that would be a nightmare for insurance companies to replace if their drivers were to get into an accident. All that said the car at the top of the list the Buick Lucerne and all the others on the list are far from being boring. The Buick Lucerne is a fantastic car for the family and it comes in four different trims. It offers the care of a full-sized car, and has great handling, and safety. It also has side blind protection. The car lets you know when a car is in your blind spot which can cut down on your number of accidents. Another factor in lower your insurance costs is your location.

If you live in the rural Midwest, it is likely that your insurance is cheaper than people near the coast or in big cities. States like Kansas and Wyoming have cheaper insurance than places like Florida or Georgia. If where you live is smaller and not what would be considered as a tourist hotspot, your insurance will usually be longer, remember that the number one thing is company. Some companies insurances rates are just higher no matter where you are so never forget to shop around. Another tip to lower insurance is older cars are always cheaper. So when shopping for a new car, try one that is last years model or maybe even older. There are many ways to lower your insurance, doing your research before you commit to anything is probably the best advice.