How To Get The Best Deal On Auto Insurance


CONSERVE YOUR MONEY….DON’T PAY TOO MUCH FOR AUTO INSURANCE

We buy our auto insurance every 6 months. Through the years I have always shopped around. I have saved a lot of money by picking up the phone and calling around to different auto insurance companies. Follow these easy steps and you too can save money too!

First, I call my insurance broker. They deal with a few different auto insurance companies. They already have all my insurance information. The insurance broker gladly checks with their other providers to see which one gives the BEST DEAL!

Second, I get my car insurance papers out. This is the best way to compare apples to apples. I either open up the phonebook or get a list online of different companies that I want to check out. I usually select the more well- known companies first. I call and compare. I do ask the breakdown prices with the different deductibles.

One reason many people will not shop around for insurance is they DO NOT want to switch companies that they have been with for a long time. I have never had trouble switching around and I do it all the time. I HAVE SAVED A LOT OF MONEY DOING THIS. Another reason people do not shop around for insurance is because it is too much trouble and time-consuming to check around and try to get the BEST DEAL. Do not be lazy or unconfident It is not hard to do. Remember, in order to save money it takes time and effort. It also takes time and effort to make money. If you are saving money on something you really need, then why not take time to shop around for a good deal. It is almost like making money; all you have to do is pick up the phone and talk.

You can shop around online but I do not because I do not like giving all my information over the Internet. It might be safe, but I am more on the conservative side.

It has been totally worth my while to take time and shop around for car insurance. Here is an example of my auto insurance; I keep pretty high coverage.

I own a 2000 van. I usually only carry liability with older vehicles. This one is in good shape with low miles. Also, I do not get a multi car discount because my husband drives a company truck.

Here is what I pay with 21st Century Insurance; I have had this company for 1 year.

Bodily Injury…………………………………250000/ 500,000. per person/per accident

Property Damage……………………………100,000 per accident

Medical Expense…………………………….5,000. per person

Uninsured Motorist Bodily Injury……..250,000/ 500,000 per person/per accident

Underinsured motorist Bodily Injury….250,000/500,000 per person/accident

Comprehensive deductible…………….$100.

Collision Deductible………………………..$100 $50.00 towing if needed

Total premium……………………………….$241.00 for 6 months….

I will be adding my 17 year old new driver to the policy. It will then be $661.00; that is a difference if $420.00 for 6 months just for adding a teen driver. One of the local insurance companies quoted me $561.55 for the same coverage. That is $100.00 per 6 months or $200.00 per year savings.

After checking with my insurance broker, I got the BEST DEAL with FIDELITY. They quoted me $463.00 per 6 months with my teen driver. That means I saved $400. per year. If I would have kept my original I would have paid $198.00 per 6 months more. That is $400.00 a year more.

Also, I will be paying less than the $463.00 with Fidelity because I will be receiving a discount because I have my homeowners with them also. It truly pays to shop around for Good Deals on Auto Insurance

Be frugal and shop around. If you have any other suggestions about auto insurance that would help others, please let me know.

http://www.homefrugalhome.com

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