7 Easy Ways To Slash Your Auto Insurance Costs

by: Neil Stelling

The law requires you buy auto insurance. So if you must get cover, how can you reduce costs ? Here's 7 easy ways to get the best possible auto insurance deal.

* Multiple Quotes
Get multiple quotes - use the internet and call a few brokers. It's easy to gather some good comparison quotes.
Remember to get different types of quotes e.g one from a direct-sell insurance company; another from an offline broker who keeps a database of quotes; and a couple from the internet.
Cheapest might not mean best. Will they pay out if you make a claim ? How financially secure ? How reputable ? Check around with family and friends, and look for online reviews.

* Different type of car
Insurance costs vary depending on car type. Obviously, that $100k sports model costs more to insure than your average runabout. If you're planning to buy a new car, check insurance costs before you buy. I once set my heart on a beautiful, high performance, highly tuned Pontiac.
Luckily I checked the auto insurance before I bought it, because I couldn't get insurance. Every broker, every insurance company flat turned me down because I lived in a high car-crime area. So I had to forget the car of my dreams until I moved up-town.

* Age and Value of Car
Maybe you're buying a used car ? Maybe your car saw better days a few years ago, and now values much lower ? So why pay for high-priced auto insurance ? In particular, do you still need fully comprehensive coverage ?
A good rule of thumb multiplies insurance premium by 10, and compares that figure with your car value. So if you're quoted $1000 premium and your car is worth less than $10,000 you may want to think if comprehensive represents good value. If you drop collision and/or comprehensive coverage, you should get big savings.

* Higher deductibles (excess charges)
Most auto insurance companies use deductibles to keep policy cost down. Deductibles, or excess charges, show what you pay before your auto insurance policy kicks in. Try requesting quotes with different levels of deductibles, and see how your quotes vary.
Most internet quote forms contain a box where you can specify preferred level of deductibles. Ask your broker his recommended level. For example, going from $250 to $500 deductible can slash your insurance costs by 20% or more. Go to $1000 and you save a lot of money. But you must pay the deductible if you need to make a claim !

* Multiple Insurances
I guess this might come under the 'Get Multiple Quotes' heading, but it's still worth mentioning separately. You usually get an insurance break if you buy multiple policies with the same insurer.
This might mean multiple vehicles, or homeowner and auto insurance. Either way it's worth asking about multi-policy discounts.

* Low Mileage
More and more people work at home. No more commuting. Fewer business trips. Low mileage on your car. Maybe you do travel to work, but car pool ?
Either way, look for low mileage discounts.

* Good Driving Record
A good driving record always reduces your auto insurance costs. Keep a clean drivers license. Don't speed, don't drive dangerously, and you'll save money (apart from other benefits !)

* Bonus Tip
Okay, I said '7 Ways...', but here's some extra tips. Fit anti-theft devices to your car. Go on an advanced driver training course. Use daytime running lights. If you're a college student away from home, consider adding to parents policy.
This short article covers the things you must consider when shopping for auto insurance. Follow these tips and you'll slash your auto insurance costs.
© DigiLectual Inc. 2004

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About The Author


Neil Stelling is Marketing Manager of New York based, DigiLectual Inc.

Why Become A Truck Driver?

by: Joe Regan

There are a great number of good reasons for someone to become a truck driver. First and foremost among those reasons would be the great pay. Did you realize that most truckers, their first year out on the road, earn an average of $35,000 a year? And, that after just a few years out, those same truckers are making an average of $45,000-$50,000 annually? And finally, veteran drivers who own their own trucks make average salaries that are over $100,000 a year. What other profession can you get into, where the pay is that good?

One other great reason to get into trucking…….. is the chance to see some of this great country of ours. How many states have you been to? Are you one of those people who haven’t been to very many places? Well, get into trucking and you will have the opportunity to explore America. See why most people consider this to be not only the greatest country in the world, but also the most beautiful one as well. What other country has sights like The Grand Canyon, Yellowstone Park, the Great Smoky Mountains, the Pacific Ocean, the Gulf of Mexico, New England in the fall, and so much more? Want to explore America? Become a trucker.

One other great thing about being a trucker is the camaraderie that you feel with your fellow truckers. It’s a special bond, much like the bond that people who are in the military feel. You and your fellow truckers know that you are doing a job that is vital, Vital for the country. For without trucking, we would be in a heap of trouble. Do you have any idea how many products that you use, that are delivered by truck? The percentage of products delivered by truck is around 78%. So think about something that you use (car; food; pharmaceuticals; etc.) and there’s a really good chance that it got to you, by truck.

Trucking is not an easy job. I won’t try to make it seem like it is. For one thing, you’re away from home a lot. But even that, you do have some control over. For example, if you’re the type who likes to be home quite a bit, there are truck driving jobs where the drivers are home every weekend, and in some cases, there are trucking jobs where the drivers are home every night. It must be noted though, that some of those jobs don’t pay as well as the long haul jobs do.
Is trucking for you? Only you can decide that. If you think that it is for you, the first step is to enter a truck driving school. There are great schools located in every region of this country.


About The Author

Joe Regan

Find a Truck Driving School near you. http://www.bubbajunk.com/
You may reproduce this article as long as the authors name and link is provided.