Tag Archives: Money
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.
Top 10 tips to save money on your car insurance
Top 10 tips to save money on your car insurance
If you’re fed up paying too much for your car insurance duck2water (www.duck2watercarinsurance.co.uk) have put together the top ten ways you can reduce your premium without reducing the level of cover:
1.Buy online
Buying online can save you time and money. Companies who spend millions of pounds on advertising or run large call centres have to cover these costs somewhere, and they do so by adding these costs onto the price of your insurance premium. Although online insurers do have overheads, they are much less than high street and telephone insurers, which means they can offer car insurance at up to 60% cheaper than other companies.
2.Drive a cheap and less powerful car
Car insurance companies calculate their premiums on the basis of the car engine size, the probability that it will get stolen and the cost of repairing it. Although smaller cars such as Ford Fiesta’s and Renault 5’s are more prone to being stolen than larger saloon cars, they are cheaper to repair or replace and are therefore cheaper to insure.
3.Build up a ‘no claims history’
Car insurance companies give discounts for safe drivers with a good no claims record. By building up your no claims history you can benefit from a reduction (up to 60%) off your premium, and this discount can be transferred from company to company.
4.Increase your car security
More security means lower risk for your insurance company and you can benefit from cheaper rates by locking your car in a garage a night, or installing an insurance company approved immobiliser or tracker.
5.Increase your voluntary excess
By deciding to pay a higher excess it also means you’re less likely to make a small claim on your insurance and are therefore considered a lower risk.
6.Obtain more driving qualifications
The Pass Plus qualification costs between £100-150 and involves taking lessons in different driving conditions such as at night and on the motorway. By becoming a more skilled and experienced driver most insurance companies reward their customers by reducing their premium. As a result, the qualification usually pays for itself within the first year of qualifying. Another option is the advanced driving test, but this can take much more time to pass than the Pass Plus.
7.Use your car less
Clearly, the more you use your car the higher the probability is that you’ll be involved in an accident. As a result people who travel hundreds of miles every week are likely to have a higher car insurance premium.
8.Don’t get on the wrong side of the law
Insurance companies don’t like motoring convictions as they mean a driver is seen as a higher risk. Certain motoring convictions are considered worse than others, for example drink driving offences mean that your premium will be double the usual rate.
9.Reduce the number of people under your policy
The more people on your insurance the more you’ll have to pay. So, if possible try to have as few drivers on your policy as feasible.
10.Live in the countryside
As a general rule, the further you live away from a city the cheaper your car insurance is likely to be. By living in the city your car is more likely to be stolen or be involved in car accident. You can save up to 50% on your car insurance by moving from the city to a rural location.
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!
Save Your Money When You Follow These Powerful Home Owner’s Insurance Tips
Save Your Money When You Follow These Powerful Home Owner’s Insurance Tips
If you are looking for basic information regarding homeowner’s insurance plus some other tips that you might not have heard of, this article is for you.
You can save a substantial amount on your monthly homeowners insurance payment if you raise your deductible. Of course, the problem with this is that small claims will have to be covered by you instead of your insurance company. But if you’re okay with paying out a few hundred dollars every now and then, then this can be a great option.
To get a discount on your home owner’s insurance, get other forms of insurance through the same company. Most companies offer multiple policy discounts to anyone has multiple insurance contracts through them. Before you select your policy, you should check other insurance companies and see if any of them offer other forms of insurance you might need.
To reduce the price of your home insurance, you need to decrease the risks of accident. You can start by buying fire proof furniture and materials. Install smoke detectors and fire extinguishers. Your insurance company will consider your home as safer, and in case of fire you should be able to contain the fire more easily.
When purchasing a home, especially for the first time, have your mortgage payments set up so that one-twelfth of your annual home owner’s insurance premium is included each month and placed in an escrow account. That way, you can avoid having to scrounge for pennies, to pay the premium each time it is due, since the money will already be in the account.
You shouldn’t confuse your purchase price with the amount of money it will take to rebuild your home. The lot your house sits on is included in the purchase price, but it won’t burn down. Insure your house for how much it will cost to rebuild it, plus the cost of your possessions and see if you haven’t been buying too much insurance.
Mortgage lenders will require you to have home owners insurance on your property. A policy can help protect your investment against certain types of natural disasters. Finding out how much a policy is going to cost you for your potential new home is an important part of knowing if you can afford the home you are considering.
To decrease the amount of time it takes for your insurance company to pay you for losses or damage to your home, document your home’s contents ahead of time. In the aftermath of disaster, it can be difficult to remember everything you had and the insurance company will want a list. Take photos or video of your possessions, especially electronics. You should record all model and serial numbers. You can store this documentation in a fire-proof box in your home, but leaving a copy at a relative’s house or emailing one to yourself is a good idea, as well.
As you have seen, there is quite a bit of information in regards to homeowner’s insurance. Hopefully, you will find these tips beneficial when making decisions regarding homeowner’s insurance.
New Ways To Save More Money When Shopping Auto Insurance
New Ways To Save More Money When Shopping Auto Insurance
Auto insurance can seem so overwhelming. There can be so much to consider and to choose from. This article can help to demystify the subject and to help you find your way in the world of auto insurance. Once you know more about auto insurance, you will find that it is mostly, common sense.
Discounts on auto insurance coverage are sometimes offered for low mileage drivers. If you only drive a few miles each day to get to work, or if you take public transportation, you will likely qualify for a low mileage discount on your policy. Be sure to ask your agent before you finalize your auto insurance plan.
Before buying a car, take into consideration the cost of the insurance policy for the type of car or cars you are looking at. Generally, the more expensive the car is, the higher the insurance cost will be. Take into account the insurance cost before purchasing the car you have chosen.
In order to save money on car insurance, it is critical that you understand what level of insurance you need. If you are driving an older car, it might not be worth paying for comprehensive or collision coverage. The most your insurance company will pay for damage to the car is its current resale value. Find the current resale value of your car and check it against how much you could save over two or three years by switching to the minimum liability insurance. You could find that simply switching your coverage from collision to liability will save you hundreds of dollars!
It’s important, if you’re looking to get the most out of your auto insurance dollars, to continue to evaluate whether you’re paying too much in terms of the number of drivers you need to cover. For example, if you’re still carrying auto insurance for your children who are grown and in college who don’t use your car, then take them off the policy and your rates will go down nicely.
As long as your auto insurance is in accordance with state law, you should not have to purchase a more comprehensive package. This is a great way to save money. If you are a safe driver in a relatively safe area, you can drop certain features like collision coverage and end up saving a bundle of money.
If you want to get affordable rates on auto insurance one of the best things that you can do is to buy insurance from the internet. This is because most companies offer reduced rates for online applications because the process is automated. You can get reductions that range from 5 to 10 percent.
When trying to get the most affordable auto insurance policy possible, you should consider only having one car in your household. If you or your spouse works from home, then you both only really need one car. By doing this, you could potentially save yourselves hundreds of dollars per month.
As was stated before, auto insurance doesn’t have to be an overwhelming subject. By heeding the advice and the knowledge contained in this article, you can make informed decisions about auto insurance. Auto insurance is not only mandatory, it can be a life saver on that fateful day, if an accident does occur.
Save Money With These Life Insurance Tips 2
Save Money With These Life Insurance Tips
Buying life insurance is one of the most important decisions you will make. A life insurance policy is one of the best ways to ensure that your loved ones are taken care of if something happens to you. Deciding what life insurance policy to buy can be a very difficult decision. The following article offers advice to help make sure that you purchase the right life insurance.
If your employer does not offer any life insurance coverage or only a very limited coverage, ask what you can do to get a better policy. Perhaps you can pay a small contribution out of your paycheck to get better insurance, or join a worker’s union that will offer you more benefits.
You should make sure that you’re working to lower your cholesterol and blood pressure levels, before you apply for any life insurance. Some medications can help fix these problems and end up saving you a lot of time and money in the process. It is in your best interest to get these problems under control, anyway, in order to enjoy a longer life.
Life insurance comes in many different variations that can fit just about any budget. Once you know the amount of coverage you need, decide whether you want insurance that provides permanent coverage, or just need term insurance to cover you until large expenses are paid off. Once debts are gone and the kids move out, you may decide to self-insure and won’t need life insurance coverage anymore.
Don’t shy away from the old-fashioned life insurance salesmen out there. They might not show up at your door these days, but speaking with a live insurance agent as opposed to dealing with a computer could end up saving you some big money over the life of your insurance policy. No pun intended.
Look for a term-life policy. It is the simplest and the best option for a majority of Americans that range from age twenty through fifty. If you are older than that, you are likely going to benefit from a cash-value life insurance policy. This is especially helpful to those who are over age sixty.
Life insurance is nearly a necessity with funeral costs being as high as they are. When you are looking to take out a life insurance policy consider a lot of factors, like how old you are, your state of health, and even if you are a smoker. All of these can affect your rates.
When shopping for life insurance, ask your agent how he or she is paid. Is it commission, or flat-fee? This will help you to understand what kind of questions to ask. If they are paid commission, ask questions about the different policies they offer. They might be trying to sell you something more expensive than you need.
As was stated in the beginning of this article buying life insurance is an important decision. It is not easy to figure out what policy is best suited for you and your family. Before buying life insurance it is absolutely crucial that you research all of your options. Follow the advice in this article and it will help you find the perfect life insurance.