Trim Your Auto Insurance Bill

Posted by Sun on August 25, 2006
Post viewed 201 times, 2 so far today

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Got a heavy auto insurance bill? If you can’t change your ZIP code or build a garage for your card, you may find the following tips helpful in reducing your car insurance premiums, according to Kiplinger’s.

It pays to shop around. I believe this is the rule-of-thumb not just for insurance, but for almost everything you shop. However, I will only use online quote as a screener to get an idea of the price range I may be. Give the insurer a call for a second quote will give you the exact number.
Buy a safe, reliable car. Yes, the maker and model of your car also have huge impact on your insurance bill. If you buy a low safety rating vehicle that costs a lot to repair, you will see it in your insurance bill. Also, try not to buy those models that are attractive to thefts.
Set a higher deductible. Don’t settle with $250 or $500 deductibles if you really want to save. I always select $1000 deductibles and found this could be the single most effective ways to cut my insurance bill. Get quotes for $250, $500, and $1000 deductibles and you will see the difference when other selections remain the same. And with higher deductible, you may drive more carefully.
Buy home and car insurances from one insurer. This way you can enjoy discounts for multiple policies.

Of course, you don’t need a comprehensive coverage if your car is only worth several thousands of dollars.

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