Tag Archives: Discount
How To Save Money And Get Discount Car Insurance In Missouri
How To Save Money And Get Discount Car Insurance In Missouri
No one likes paying for car insurance, but if you are going to drive a motor vehicle on any public road in Missouri you had better have up-to-date auto insurance and you had better have proof of insurance with you at all times. The penalties for driving without insurance are severe and include the possibility of losing your driving privileges for one full year and the payment of a penalty to reinstate your license after that period.
Therefore it is important for many people to find ways to save money and get discount car insurance here in Missouri.
The first thing you need to do is to keep your driving record clean. A speeding ticket, or a drunk driving or impaired driving conviction will send your auto insurance rates through the roof.
If you are young your insurance rates will typically be higher. However, if you stay in school and maintain at least a “B” average, many companies will give you a Good Student Discount on your monthly premiums. If you are over 55, check with your insurance company to find out if taking and passing a refresher driving course will lower your insurance bill.
Driving a sports car or other high-performance vehicle increases the cost of car insurance.
If you have an older car with little or no Blue Book value you may choose to purchase the minimum liability insurance coverage that is required in the state of Missouri. However, if your car is newer or if it is being financed then you may be better off purchasing collision coverage and possibly other coverage as well.
In either event you can still reduce the cost of your insurance by increasing your deductible – the amount of money you will pay out of your own wallet if you have a claim. The larger the deductible on your policy, the lower your monthly premium payments.
Finally, get online and make direct head-to-head comparisons of as many insurance companies as possible on the many websites designed to help you find the best price for car insurance in Missouri.
Unfortunately you will need to enter all of your information into the form on at least 3 different websites if you want to be assured of comparing the most companies and feeling confident that you have saved money and gotten the best discount car insurance you possibly can.
How To Save Money And Get Discount Car Insurance In New Jersey
How To Save Money And Get Discount Car Insurance In New Jersey
The best way to save money and get discount car insurance in New Jersey is to design a car insurance policy that’s right for you and then see how much that policy would cost from every insurance company operating in New Jersey.
In order to do this let’s start by looking at everything you can do to build a policy from the ground up that will save you as much money as possible.
The minimum car insurance you are required to carry in New Jersey is Liability, Personal Injury Protection (PIP) and Uninsured Motorist (UM) coverage.
None of these types of insurance will repair or replace your vehicle if you are in an accident, especially if you are at fault for the accident. If you want to protect your own vehicle then in addition to the three types of insurance that I just mentioned, you will also need to buy Collision insurance as well as Comprehensive insurance.
Just so you know, driving without insurance in New Jersey can land you in a lot of hot water. At a minimum you may be subjected to fines, community service, license suspension and when you do buy insurance so that you can legally drive in New Jersey you can count on what is referred to as an “insurance surcharge” – in other words, yet another fine.
So let’s start designing a policy that will cost you as little as possible while still giving you the coverage you need.
The first thing you need to do is to keep your driving record clean. This means you do not have any speeding tickets or other moving violations and that you most certainly do not have any convictions for Driving Under the Influence (DUI) or for Driving While Intoxicated (DWI). Even a speeding ticket will prevent you from getting the best rates on discount car insurance, but a DWI or a DUI will send your rates to the moon.
If you are under 25 years old stay in school and keep your grades up. If you can maintain at least a “B” average then you can save about 5% on your monthly car insurance premium.
Can you keep your car in a garage at night? If so there’s another big savings on your insurance.
Do you drive less than 500 miles each month on average? If so there’s no reason for you to pay for insurance while your car is just sitting in your garage – you should be eligible for a Low-Mileage Discount.
Do you have more than one insurance policy with the same insurance company? Maybe you have a life insurance policy, or a homeowner’s policy with the same company? If so you should be eligible for a Multi-Policy Discount on your car insurance.
Have you been insured with the same insurance company for at least 5 years? If so ask for a Long-Term-Policy Discount.
Are you 55 or older? If so see if you qualify to take a special driver’s refresher course. If you qualify and you pass the test you can shave about 10% off your car insurance bill month after month!
Are you driving an old clunker of a car with little or no Kelly Blue Book value? If that’s the case and you are still paying for collision or comprehensive insurance you are simply throwing your premium dollars down the drain.
Along those same lines remember that each year that passes your vehicle loses value according to the Kelly Blue Book. Therefore you should lower the amount (and therefore the cost) of your comprehensive and collision insurance each year – talk to your agent about how much you could save by simply doing this.
How large of a deductible can you afford? Think carefully before you answer. The higher your deductible the lower your monthly car insurance premium, but keep in mind that however much you set your deductible for, that is the amount of money you are going to have to pull out of your own wallet any time you have a claim. Make sure you can afford your deductible.
O.K., now you’ve got enough information to create the perfect, low cost car insurance policy. Now it’s time to get online and find at least 3 different websites that let you compare prices on policies between different insurance companies.
Each site wants you to think that it is comparing prices at every single insurance company, but that is simply not the case. If you are really serious and want to genuinely save money and get discount car insurance in New Jersey then you’re going to have to take a few extra minutes and compare the price of your super policy on at least 3 different websites.
Then simply pick the best price you can find and you’re done! You’ve saved money and gotten the very best deal you could on car insurance here in New Jersey. Congratulations!
How To Save Money And Get Discount Car Insurance In Indiana
How To Save Money And Get Discount Car Insurance In Indiana
Uninsured motorist coverage is mandatory in the state of Indiana unless you specify, in writing, that you don’t wish to have it. Although some people believe that forgoing this type of car insurance will save them money, there are ways to curb the costs without cutting corners on the level of coverage you really need. Some easy and effective ways to save money by finding discount car insurance include:
•Pay all your expenses on time. Your credit report has an impact on many things including your car insurance rates. If you are viewed as a credit risk you can expect to pay more for your car insurance premiums. Ensure that you pay all bills by the due date and check your credit report periodically for any irregularities.
•Increase the level of your deductible. Most people believe that having a low deductible will save them money should they ever need to pay it after an accident or a claim. This is actually true however having a lower deductible also means higher premiums. Ask your agent to raise your deductible and you’ll notice an immediate drop in the price of your car insurance.
•Join a carpool or purchase a public transportation pass. Not only will it help you lower your car maintenance expenses if you drive less, but you can expect to see a drop in your car insurance rates too. Most insurance companies offer lower rates to clients who drive fewer miles each year.
Whenever you purchase a new car insurance policy be certain to review it closely. Also, every time it’s due for renewal, seek out a few new quotes. Car insurance rates can fluctuate quite a bit from one insurance company to another, so it’s wise to always be certain that the rate you are paying is indeed the lowest rate available.
If You Are Driving On Monday The 27th Then You Could Be Glad You Took Out Discount Car Insurance
If You Are Driving On Monday The 27th Then You Could Be Glad You Took Out Discount Car Insurance
No you have not read that wrong and no mistake has been made when writing, if you went for a drive on Monday the 27th then you could have been glad you had taken out discount car insurance. This is because it seems that Monday the 27th has overtaken Friday the 13th when it comes to car accidents.
Studies from Budget Insurance have shown that more car accidents occur on Monday the 27th than on Friday the 13th, According to recent research, 5% more claims on insurance were made on the 27th of February and March in 2006 which both fell of course on a Monday. Perhaps even more surprising was the revelation that more accidents occurred in car parks on this particular day than any other and which resulted in insurance claims being made. Another fact involving this date is the fact that accidents have occurred through motorists swerving to avoid hitting an animal. Scientists of course say they think they might know the answer, as Monday is the first day of the week motorists are anxious and distracted when it comes to facing a new week. When it comes to the 27th this is the day that many have bills to pay such as mortgage, loan or credit card bills.
Whether any credit should be given to this is anyone’s guess, however statistics do not lie, regardless car insurance is a necessity and finding discount car insurance even more so if you want to have the protection that insurance gives while at the same time making savings.
The best way to insure you get the cheapest insurance and deal is to out your search into the hands of a specialist broker, the broker has the experience to shop around on your behalf and are able to search through the entire UK marketplace so that you get the cheapest car insurance possible.
You can choose the type of car insurance so that you can keep the premiums down to the minimum, if you choose to take out fully comprehensive car insurance then you will be covered for repair to your and the other parties car if in an accident, fire and heft and also insured for nay passengers that you carry. However this is the dearest type of insurance. Third party fire and theft is cheaper and will payout against damage for the other person’s car and fire and theft and is a lot cheaper to take out than fully comp.
When it comes to determining what type of car insurance you need for your circumstances the specialist can help here also, they offer a vast amount of information relating to the different types of car insurance and how you can make great savings by knocking down the premiums for the cover. While you can make great savings by taking out discount car insurance with the help of a broker there are many things you can do for yourself and the information found on the brokers site will help you make even more savings.
Comparing Discount Car Insurance Companies – Things To Know Before Getting A Quote
Comparing Discount Car Insurance Companies – Things To Know Before Getting A Quote
You are looking for an insurance policy for your car. Several companies give you proposals; all of them are based on the same information which you provided. The policies have widely varying costs and proposals. How can you wisely choose the best policy and company?
Read carefully
Lay the policies down side by side. Some insurers are able to offer low rates by giving skeleton coverage. You gave the companies identical information but they may not have returned identical policies. Check the deductibles on the policies. Deductibles weigh heavily on the cost of insurance. See if all of the policies offer uninsured driver clauses. Look closely at coverage areas. Some companies restrict their policies if you drive extensively out of state.
Type of company
Just as with home loan companies there are auto insurance companies that specialize in writing insurance for people with poor credit and/or poor driving records. If you have requested a quote from this kind of company their response may automatically be considerably higher than other companies. If you don’t have poor credit and/or a poor driving record immediately eliminate from your search companies that serve these markets.
Investigate company records
States keep records of how insurance companies respond to their customers. Files on insurers will include their response times, their histories of paying claims, any complaints or suits filed against them as well as other important consumer information. Note and eliminate any companies which have numerous complaints against them.
Remember, having a low car insurance premium may not be worth much if you don’t have the coverage you need or can’t get your car insurance company to respond when you have an accident.
Please get as many quotes as possible to insure that you will be paying as little as possible while getting all of the coverage that you need without paying for what you don’t.
Is There Discount Term Life Insurance Out There?
Is There Discount Term Life Insurance Out There?
First of all, we’ve all heard of life insurance. Many of us even have it. But what is term life insurance? The meaning of term life insurance is in its name—it covers its policyholders for a certain amount of time—a certain term. It costs much less (except for the very elderly) than whole life insurance and can be covered in two types of premiums—level-term and annual renewable. The premiums of level-term stay the same throughout the duration of the policy and can usually be purchased in terms up to 30 years; however, annual renewable premiums increase as the policyholder gets older.
Although term life insurance is already less expensive than whole life insurance, there are ways to find discount term life insurance. We all want to save as much money as we can while getting the best coverage possible, right? As when searching for any insurance, the best way to find discount term life insurance is to research several different life insurance providers. However, you don’t want to simply find a seemingly decent term life insurance provider, search for a policy that’s cheap in price, and sign up. If you do, you could end up with a policy that doesn’t actually suit you at all (that is, if you even qualify for it) and spending much more than you would have if you had searched around for a bit longer.
When shopping for discount term life insurance, look for reputable, financially stable life insurance companies that have well-trained, objective, unbiased insurance agents. These unbiased agents will take your information—your needs and the needs of your family members—research your options, and present the best discount term life insurance to you—not them. You can find information about an insurance agency online or directly from the agency, but you’re more likely to get a reliable review from someone who has used, or is currently using, their services.