How to Save on Auto-Insurance
May 2, 2013 | by Price | Published in SEO |
The purpose of this article is to provide the details concerning key strategies to save on automobile insurance. I am not in the insurance business and the details provided come from personal experience.
Fundamentally, you must have an understanding of how the game is played before you explore saving strategies. Rates are determined based upon your age, driving record, credit score and a host of subject measures. I have always felt as though this is some sort of conspiracy or at the minimum subjective methodology.
The truth is we are all in a pool which means everyone is contributing at some random rate to provide insurance companies with a profit after expenses aka: claims and overhead. Such a deal! Have you noticed that all the big building in cities is occupied by Insurance Companies? These are the same guys going to law makers complaining about profits…Yeah right; don’t believe a word of it. They are doing just fine. If there was no money in Insurance why did Warren Buffet buy Geico? Ever noticed all those expensive commercials? Enjoy them because your premiums are paying for them.
Now that you know the game, how do you save? There are several wise moves you can make to reduce premiums. For example, if you are willing to drive an older model and only insure your ride for state required liability your insurance rates are cut in half. If you can’t stomach the thought of driving an old sled, avoid the new car smell. New vehicles and heavy vehicles are the most expensive to insure because they are new, weigh a lot (heavy vehicles cause more damage) and the replacement parts are at full production value. Try to buy a model that is 2 -3 years old. You’ll save on premiums and depreciation. This is particularly important if you are under 25.
Okay, what next, take an online defensive driving course for insurance purposes only! Insurance carriers are obliged to offer a 10% discount for driver safety training. The cost of online defensive driving is affordable, approximately $25, and the return on the investment is tremendous. Most carriers will offer a 10% premium discount for a 3 year period. If your premium is $1,000 per year this will save you $100/year for a $25 investment. For you math nuts, that’s $25 bucks to make $100. Not bad for a few hours watching a video over the net. Furthermore, if you get a ticket, go to court and request defensive driving. The benefits are great as follows:
1.Ticket dismissal
2.Improved driving record
3.10% Insurance rate reduction
4.Improved driving skills
In conclusion, saving on automobile insurance is easy if you are willing to purchase used cars, insure for liability only, and take an online defensive driving course like the one at http://www.FixYaTicket.com
Enjoy Saving!
http://www.FixYaTicket.com
May 2, 2013 | by Price | Published in SEO |
The purpose of this article is to provide the details concerning key strategies to save on automobile insurance. I am not in the insurance business and the details provided come from personal experience.
Fundamentally, you must have an understanding of how the game is played before you explore saving strategies. Rates are determined based upon your age, driving record, credit score and a host of subject measures. I have always felt as though this is some sort of conspiracy or at the minimum subjective methodology.
The truth is we are all in a pool which means everyone is contributing at some random rate to provide insurance companies with a profit after expenses aka: claims and overhead. Such a deal! Have you noticed that all the big building in cities is occupied by Insurance Companies? These are the same guys going to law makers complaining about profits…Yeah right; don’t believe a word of it. They are doing just fine. If there was no money in Insurance why did Warren Buffet buy Geico? Ever noticed all those expensive commercials? Enjoy them because your premiums are paying for them.
Now that you know the game, how do you save? There are several wise moves you can make to reduce premiums. For example, if you are willing to drive an older model and only insure your ride for state required liability your insurance rates are cut in half. If you can’t stomach the thought of driving an old sled, avoid the new car smell. New vehicles and heavy vehicles are the most expensive to insure because they are new, weigh a lot (heavy vehicles cause more damage) and the replacement parts are at full production value. Try to buy a model that is 2 -3 years old. You’ll save on premiums and depreciation. This is particularly important if you are under 25.
Okay, what next, take an online defensive driving course for insurance purposes only! Insurance carriers are obliged to offer a 10% discount for driver safety training. The cost of online defensive driving is affordable, approximately $25, and the return on the investment is tremendous. Most carriers will offer a 10% premium discount for a 3 year period. If your premium is $1,000 per year this will save you $100/year for a $25 investment. For you math nuts, that’s $25 bucks to make $100. Not bad for a few hours watching a video over the net. Furthermore, if you get a ticket, go to court and request defensive driving. The benefits are great as follows:
1.Ticket dismissal
2.Improved driving record
3.10% Insurance rate reduction
4.Improved driving skills
In conclusion, saving on automobile insurance is easy if you are willing to purchase used cars, insure for liability only, and take an online defensive driving course like the one at http://www.FixYaTicket.com
Enjoy Saving!
http://www.FixYaTicket.com
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