Compare Cheap Car Insurance Rates | Free Online Auto Quotes







Insurance News:

Car Insurance
Advertise with Us
Insurance Blog
Link to Us

Bookmark and Share

 

 

Informative Articles

Health Insurance: How to Apply
If you're wondering how to apply for health insurance, be aware that application is the second step of the process -- after you've researched different policies and compared prices and benefits. Whether you apply online or off will depend on your...

High Deductible Health Insurance Plans For Individuals and Families
Do you pay more attention to your car than your body? You change your oil every 3000 to 4000 miles. You have your tires rotated every other oil change. Your air filter and brake pads are changed at the appropriate intervals. Now, what about your...

How to Save Up to 70% on Health Insurance Premiums
Are you tired of paying too much for health insurance premiums? Only 5 or 6 years ago health insurance seemed very affordable with fantastic coverage to match. Well, if you’re an individual or family who pays for health insurance today chances...


Moneynet champions consumer awareness with new insurance guide

Moneynet, the UK based price comparison and product research site, has just launched its ninth product guide in its series of consumer information publications. The new insurance guide joins the collection of other product manuals on moneynet (...

What you need to know about Life Insurance
It's an unfortunate fact of life, but each of us is going to die someday. In the back of people's minds is that if they buy life insurance, it will somehow hasten their demise. Not smart. And not true. Remember the Boy Scout's motto "Always...

 


Cheap Insurance - Ten Tips

Cheap insurance? Auto insurance, life insurance, health insurance, liability insurance - whatever type of insurance you need, you can buy it for less. Try the following:

1. Raise you deductible. Why have a $100 deductible if a $1000 deductible won't break you? It may hurt to pay the first thousand someday, but what if meanwhile you saved several thousand? High deductibles mean lower rates. Of course, get quotes with various deductibles, to be sure you're saving enough for the higher risk.

2. Lower your coverage. Insurance agents secretly admit that people usually get sued according to policy limits. You'll be sued for more if your limit is a million than if it's a hundred thousand. A judgement beyond the policy limits is a scary thought, but this can happen no matter what your limits are. If you don't have many assets or much money in the bank, consider lowering your coverage to save money. Get quotes first, of course, to see how much you'll save.

3. Lower the insurance company's risk. Using seatbelts, not smoking, and having alarm systems can mean cheap insurance. Ask your agent about any discounts that are available.

4. Use an independent agent. Why limit yourself to one insurance company? Independents can show you the cheapest policy regardless of which company it's from. Just check a rating service to see if the issuing company is financially solid, especially when buying life insurance.

5. Drop your insurance. The insurance companies will hate me for this one, but consider eliminating some


coverages. You need liability coverage on your car, but collision coverage on a $2000 car doesn't make sense. Invest the money elsewhere, and take the $2000 loss once or twice in your life, or maybe never.

6. Buy stocks instead of insurance. If you and your wife both have good incomes, it probably makes more sense to invest your money than to buy life insurance. If loved ones have enough income or assets, life insurance premiums are usually wasted money.

7. Get rebates. Some states that allows "rebating". California law, for example, allows agents to rebate part of their commission to you. If you live in a non-rebating stae, find a California company online!

8. Get the legal minimums. If you have no assets to protect, ask for state-mandated minimums on auto liability policies. Most companies give you their higher, more expensive "company minimums" if you don't push the point.

9. Review your policies. It is common for parents to still pay for health insurance coverage on adult children long after they are working and have their own coverage. See what other unecessary coverages you may be paying for.

10. Get several quotes. For cheap insurance, compare quotes from several companies, and ask about different policy options. One more thing: take notes.


About the Author

Steve Gillman has been studying every aspect of money for thirty years. You can find more interesting and useful information on his website; http://www.EverythingAboutMoney.info



Hot Topics:

  • pet insurance
  • farmers insurance
  • homeowners insurance
  • term life insurance
  • cheap auto insurance
  • travel insurance
  • cheap car insurance
  • medical insurance
  • car insurance quotes
  • cheap insurance
  • motorcycle insurance
  • insurance sample cancellation letter
  • house insurance for llc's in oklahoma
  • affordable health insurance
  • american family insurance
  • fort bend county ''home insurance rates''
  • cheap health insurance
  • auto insurance quotes
  • title insurance
  • travelers insurance
  • business insurance
  • health insurance quotes
  • renters insurance
  • automobile insurance
  • 17 year old car insurance
  • whole life insurance
  • individual health insurance
  • insurance company ratings
  • discount auto insurance
  • affordable auto insurance
  • unemployment insurance ontario
  • mail handlers insurance
  • texas insurance
  • low cost health insurance
  • top rated auto insurance companies in united states
  • employment insurance canada
  • cheap california auto insurance
  • usa insurance
  • an insurance policy with bodily injury coverage covers
  • average monthly cost for health insurance
  • disability insurance
  • car insurance for teenagers
  • why is car insurance so high for teenagers?
  • car insurance rates for teenagers
  • demo auto insurance
  • cheap car insurance for young driver
  • long term care insurance
  • how much is car insurance for a 16 year old?
  • farm insurance
  • florida insurance
  • Average cost of car insurance for a teenager
  • car insurance for woman
  • car insurance quote
  • insurance cost for 17 year old
  • individual dental insurance
  • mortgage insurance
  • glossary of insurance terms
  • mortgage protection insurance
  • budget car insurance
  • classic car insurance
  • california insurance
  • contractors insurance



    You like it? Share it!



    Signup for free news, tips and special offers: