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How To Save On Your Auto Insurance

By Tom McKnight

Let your fingers do the walkingÖ Remember that Yellow Pages Ad Campaign? Excellent advice if youíre shopping for auto insurance. Shop around and do it yearly. Donít 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, youíre inline for a huge premium savings. If you donít think you could come up with $1000 out of pocket, then change it to a $500 deductible; youíll 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 doesnít, itís 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.

Donít 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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Blog: Philly Region 8th Most Expensive For Car Insurance
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NJ Car Dealer Ordered to Repay Customers Sold Sandy-Damaged Cars
A New Jersey car dealership operator will have to pay back customers who unknowingly bought superstorm Sandy-damaged cars from his lot, thanks in part to a five-month "ABC's The Lookout" investigation into Sandy-flooded cars being sold on used car lots.

NJ Top Docs Presents Dr. Christophe Oliveira of Rehabilitation Instiute of North Jersey
Dr. Christophe Oliveira announces his new role at the Department of Transportation. (PRWeb August 28, 2014) Read the full story at http://www.prweb.com/releases/2014/08/prweb12129733.htm

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Grant Enfinger gets ARCA victory on DuQuoin Mile dirt
Grant Enfinger celebrates with his crew after scoring the win in Monday's ARCA Racing Series race on the one mile dirt track at the DuQuoin State Fairgrounds.

SR22 Insurance for High Risk Motorists Nationwide Added to Insurance Locator Website
SR22 insurance is now available for high risk motorists to review for affordable rates at the Quotes Pros website at http://quotespros.com/auto-insurance.html . (PRWeb August 28, 2014) Read the full story at http://www.prweb.com/releases/sr22-insurance/car-insurance-quotes/prweb12130777.htm

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Kevin Swindell took Venturini Motorsports to victory lane on the one mile dirt track at the Illinois State Fairgrounds in Sunday's ARCA Racing Series event.

Justin Boston takes control for ARCA victory at Madison
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