Nobody likes paying for car insurance. It's that bill that comes out of nowhere and lays waste to your fragile economic existence. Of course, you can't really blow it off. You might get pulled over, or worse, you might actually need to use it in case you get into an accident or something. That's why you've got to keep paying it, on the one hand, but try to save as much money by lowering your premiums on the other hand.
It requires a delicate balance between the price and performance of your policy. It's got to be there when you need it. You need to save as much cash as possible without leaving yourself open to financial risk that can quickly and easily ruin your life for years to come. Naturally, you need to know what you are doing. In this article, we'll explore some of the most common ways to reduce the cost of your monthly premiums.
The first step is knowledge. This is the key to wisdom. It's also the key to not being taken for a ride by an unscrupulous insurance agent. After all, if you were an agent and you made your income from commissions, what would you do when most customers just buy what you tell them to buy? You'd sell them a lot more than they need, that's what. So if you want to save money, the first step is to understand what you're buying. In no other industry is making money so easy, because in this industry, most consumers are clueless.
The next tip is to find discounts. Companies generally give discounts if you are less likely to crash your car. If you are a good student, for example, with a GPA above 3.0, then you'll likely be able to save a lot of money. The reasoning is that you are too busy studying to be driving around at all hours of the night and partying till the sheep come home. So spend more time in the library, and less time on the drag strip, and you'll save a few bucks.
The biggest thing you can do to save money on your monthly bill is to not crash your car, and not get any tickets. One single ticket can easily shoot your rates through the roof. Do you really want that? Sure, you might get to where you are going three minutes sooner, but is it worth the extra five hundred bucks it might cost you if there's a cop hiding behind that tree over there? Take your time, drive slowly, get there in one piece, and save some money.
The biggest weapon in your arsenal is the same weapon you've got when you buy anything. Negotiation. Sure, that's a good deal, but can it be any cheaper? Most people assume that's the best they are going to get, so they never ask for a cheaper rate. But if you simply look your agent in the eye and ask them if that's the best they can do, you'd be surprised what will happen. Remember, he's desperate for your business more than you're desperate for his. Let him know, and you'll save some cash.
It requires a delicate balance between the price and performance of your policy. It's got to be there when you need it. You need to save as much cash as possible without leaving yourself open to financial risk that can quickly and easily ruin your life for years to come. Naturally, you need to know what you are doing. In this article, we'll explore some of the most common ways to reduce the cost of your monthly premiums.
The first step is knowledge. This is the key to wisdom. It's also the key to not being taken for a ride by an unscrupulous insurance agent. After all, if you were an agent and you made your income from commissions, what would you do when most customers just buy what you tell them to buy? You'd sell them a lot more than they need, that's what. So if you want to save money, the first step is to understand what you're buying. In no other industry is making money so easy, because in this industry, most consumers are clueless.
The next tip is to find discounts. Companies generally give discounts if you are less likely to crash your car. If you are a good student, for example, with a GPA above 3.0, then you'll likely be able to save a lot of money. The reasoning is that you are too busy studying to be driving around at all hours of the night and partying till the sheep come home. So spend more time in the library, and less time on the drag strip, and you'll save a few bucks.
The biggest thing you can do to save money on your monthly bill is to not crash your car, and not get any tickets. One single ticket can easily shoot your rates through the roof. Do you really want that? Sure, you might get to where you are going three minutes sooner, but is it worth the extra five hundred bucks it might cost you if there's a cop hiding behind that tree over there? Take your time, drive slowly, get there in one piece, and save some money.
The biggest weapon in your arsenal is the same weapon you've got when you buy anything. Negotiation. Sure, that's a good deal, but can it be any cheaper? Most people assume that's the best they are going to get, so they never ask for a cheaper rate. But if you simply look your agent in the eye and ask them if that's the best they can do, you'd be surprised what will happen. Remember, he's desperate for your business more than you're desperate for his. Let him know, and you'll save some cash.
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