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How To Save On Your Auto InsuranceBy Tom McKnight
Let your fingers do the walking… Remember that Yellow Pages Ad Campaign? Excellent advice if you’re shopping for auto insurance. Shop around and do it yearly. Don’t just keep paying the invoice over and over without comparison shopping. Below are a few suggestions to help you get the best deal available on your automobile insurance policy.
Insurance agents really have a lot of leeway. They can price match and they can offer many discounts. There are also many decisions you can make about your policy that will save you a bundle. For example, if you change your deductible on your collision from a $50 deductible to a $1000 deductible, you’re inline for a huge premium savings. If you don’t think you could come up with $1000 out of pocket, then change it to a $500 deductible; you’ll still save a sizable amount on your annual premium payment.
You can also get more of a savings if you change your comprehensive deductible. Many people needlessly carry full coverage on their older vehicle. They originally purchased the vehicle new, paid for full coverage and to this day, continue to pay the same high rate. Their ten year old vehicle may be worth $1000 or less, yet they continue to pay $250-$450 every six months (total $500 to $900 dollars a year) to keep full coverage on their old vehicle.
However, if they have an accident and totaled their vehicle, the insurance company will only pay them the wholesale value of the vehicle. The amount they would receive could be $1000 or less. A vehicle that old just needs the insurance that protects the other person in case of an accident.
Another method to save more on your insurance is by combining your vehicles and other insurance together to get you additional savings. All insurance companies offer a multi-car discount (if yours doesn’t, it’s time to switch companies). Further, many will discount more if you have your homeowners or renters policy with them.
There are a few other discounts that you may not be taking advantage of. It seems obvious, but make sure you are getting the correct rate for your age. There are discounts for various ages than can save you lots of money. Check with your agent on this one. Also alarm systems on your vehicle are usually good for a discount. Additionally, anti-lock brakes and air bags can also help lower your premiums.
Don’t just keep paying the invoice when it comes in. Your insurance bill should be an automatic trigger for you to make a few phone calls to see if you can save even more money on your auto insurance premiums.
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Sale of 2 AIG Auto Units Complete (TheStreet.com)
Zurich Financial completes its $1.9 billion takeover of two car insurance units that belonged to AIG.
Zurich Financial completes AIG auto units takeover (AP via Yahoo! Finance)
Zurich Financial Services Group said Thursday it completed a $1.9 billion takeover of two car insurance units that belonged to American International Group Inc.
Zurich to Expand Home Coverage With Drivers Gained in AIG Deal (Bloomberg)
July 2 (Bloomberg) -- Zurich Financial Services AG , Switzerland?s largest insurer, plans to expand U.S. residential coverage by selling policies to customers it added with the purchase of American International Group Inc.
AIG Holds First Shareholder Meeting Since Its Collapse (Washington Post)
NEW YORK, June 30 -- Russell and Kathy Ryan left their Brooklyn home early Tuesday and boarded a rush-hour subway car bound for Wall Street, where the country's largest federal bailout recipient was holding its first shareholder meeting since its collapse last fall.
Travel Guard marks success with new headquarters (Stevens Point Journal)
What was once a business started in a basement is now a four-story, 127,600-square-foot building in the Portage County Business Park.
AIG 's Debt Swap (Forbes)
AIG doesn't have the cash to pay the New York Fed, so it's offering equity.
AIG lawyer tests ex-CEO Greenberg in share dispute (Reuters via Yahoo! UK & Ireland News)
A lawyer for AIG questioned past statements and testimony of the insurance giant's former chief executive Maurice "Hank" Greenberg on Tuesday in a trial over disputed shares between the insurer and Greenberg-controlled Starr International.
AIG to spin off two units, cut government debt (National Post)
American International Group Inc., which received US$180-billion of taxpayer bailouts, said it will give the government stakes in two big life insurance units that it plans to spin off.
AIG moves to spin off 2 units, reduce gov't debt (Channel 8 San Diego)
Associated Press - June 25, 2009 6:43 AM ET NEW YORK (AP) - American International Group is placing two subsidiaries into special units ahead of planned spinoffs.
Business Highlights (AP via Yahoo! Finance)
Federal Reserve Chairman Ben Bernanke faced an unusual political trial Thursday and disputed accusations that he pressured Bank of America to acquire Merrill Lynch in a deal that cost taxpayers $20 billion.
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