Do You Need Extra Auto Coverage?

December 4, 2016 · Posted in General Articles on Car Insurance 

When it comes to paying for car insurance, it sometimes seems like the insurance company has it in for you. Like they are purposefully targeting you for higher rates.In way, they are, but don’t take it personally. They are just trying to protect their profits by identifying the customers most likely to cost them money down the road and adjusting that customers rates to cover it.Simple math. The more you cost to insure, the more it costs for insurance.Simple solution. Make sure that you cost less.

One of those necessities, at least if you drive a car, is auto insurance. Insurance rates are not going down, but there are things that you can do to reduce their effect on your budget. By changing your circumstances and taking advantage of discounts, you can lower your monthly premiums.One of those necessities, at least if you drive a car, is auto insurance. Insurance rates are not going down, but there are things that you can do to reduce their effect on your budget. By changing your circumstances and taking advantage of discounts, you can lower your monthly premiums.

Work four ten hour days instead of five eight hour days.

Make your car theft resistant. By installing anti theft devices recommended by our insurer, and by selecting cars that are not on the most often stolen list, you can reduce your theft premiums significantly.Sell a car. Sure, most companies have multi car discounts, but even with the discount, it cost more to insure three cars than it does for two.

Raise your deductible. This saves you money right away, because it reduces the amount of money that the insurance company will need to pay out on your next accident. If you bought a cheaper car or sold an extra car, use some of the money for that to start a car repair fund to cover the deductible gap.

 

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