47 Auto Insurance Savings Tips — Guaranteed Steps To Dirt Cheap Car Insurance Rates Pt 4

47 Auto Insurance Savings Tips — Guaranteed Steps To Dirt Cheap Car Insurance Rates (Series) – Pt 4 Tip #31… Avoid unnecessary add-ons Add-ons like towing raise your premium without giving you as much value as using a towing service Have you checked to see if your credit card doesn't already offer this as added value? Overall, you're better off using a third party towing service than placing it on your auto insurance policy

Tip #32… Park only in safe places Don't make the mistake of parking your car in places where it won't be safe By safe I mean places where the risks of theft, vandalism or accidental damage are very low Parking your car in a garage will help you reduce your rate over time And, lest I forget, if you drive out in the night do your best to have your car parked in a well-lit area This will deter thieves

Tip #33… Don’t file petty claims We told you something about staying claims-free in part one of this series… Stay claims-free for more than three years and most insurers will give you a special discount But here’s what we didn’t tell you… It does not mean you might not have any reasons to make a claim but that you choose NOT to file one Therefore, if it's a minor case, handle it on your own That is, if what you'll gain from a No Claims discount outweighs it This is particularly true for people who are just a few months or a year away from becoming eligible for the NO-claims bonus

Tip #34… Be a woman or let her own it Statistically, women are safer drivers Married couples can take advantage of this by having their cars insured in the lady's name with the man as the secondary driver Although this might not go down well with some male folks, it will help reduce what your family pays for auto insurance Tip #35… Buy your policy online Running a business on the internet is a lot cheaper than a brick and mortar approach Compared to buying offline from a brick and mortar business, you'll save up to 15% if you buy your auto insurance policy online

Therefore, as much as you can, buy your car insurance policy online However, do your utmost to present your details truthfully If you try to cheat you'll lose big time on the long run… Your insurer will be covered by the law if they cancel your policy on the grounds that you misrepresented facts Don't also forget to confirm your preferred insurer's rating and standing with your state's department of insurance and other financial rating institutions This is to ensure you don’t fall into the wrong hands

Tip #36… Don’t include rental car coverage unless… Do not include rental car coverage in your auto insurance policy without confirming if your credit card offers such a benefit More often than not, you'll discover that your credit card provider has already given you this coverage as added value You'll simply avoid duplicating coverage if you check before you decide if it's necessary to still add rental car coverage to your policy Furthermore, do you really need this coverage type if you have more than one car? Tip #37… Get more by paying less with an umbrella policy Reduce your Bodily injury liability coverage to the very minimum required by your state law and buy an umbrella policy instead The more substantial your assets, they more this recommendation is true in your case

Just to ensure we all are on the same plate… …Bodily injury liability coverage takes care of passengers and the other driver in an accident that's caused by you If this coverage type takes care of such liability issues, why is still recommended that you get an umbrella policy? The simple reason is that the liability coverage included in any car insurance policy is usually inadequate This means that your personal assets will be taken if your liability coverage cannot handle the bills and damages incurred However, there is hardly a law suit or liability issue that an umbrella policy won't take care of completely You save on many ends with an umbrella policy… It helps you get lower rates, gives you superior liability coverage on auto related issues… …But still covers liability claims that may arise somewhere else, for example, your home

Price-wise, you get much more coverage per premium dollar with an umbrella policy It could cost a 35 year old man in an area like New York City… …Around $300 extra to raise his bodily injury liability from $25,000/$50,000 to $100,000/$300,000 (The first amount in each pair shows the maximum amount that will be paid out to each injured person in an accident The second amount shows the maximum that can be paid out per incident)

However, with an umbrella policy, he'll spend less than that to get $1 million worth of coverage And if he chooses to raise the coverage amount of his umbrella policy to $2 million dollars… …He'll have to pay only $75 more! But that’s NOT all… After the $2 million mark, he'll need to add only $50 to his rate per $1 million extra coverage amount See? That's superior coverage for a lot less — That's the advantage in adding an umbrella policy instead Get and compare cheap quotes from many top insurers @ Q4Lorg Quality-Insurance-4-Less

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