Insurance Tips

Save on auto insurance, home, health, and life...

Nov 2008
27

Top 6 tips on getting the right homeowner's insurance coverage.

by savingtools
Posted In:  insurance

imagebrowser imageIn the market for home insurance, or considering switching your home coverage to another provider? Here's six great tips to make sure you are asking for the right amount of coverage. Too much will cost you in policy payments, and too little may cost you later if you need to make a claim.Read the rest...

Nov 2008
26

Combine your auto and home policies and save

by savingtools
Posted In:  insurance

Many people still maintain insurance with separate companies for their auto and home. Negotiating each of them separately may seem like a good deal, but the insurance companies offer significant discounts when you combine more than policy with them.

A 10% discount is fairly common, and makes it fairly unlikely that you'll be able to get a better price negotiating them separately.

As an added bonus, your billing will get simplified, and your insurance company can usually align the policy expiration dates as well.

Nov 2008
16

insurance money saving tip - raise your deductible

by savingtools
Posted In:  insurance

Many people are afraid of a higher deductible because they don't want to pay a big sum if something happens. Did you know, however, that you can lower your insurance bill up to 25% by moving your deductible up to $1000 ? For many people, that would allow them to put the cost savings in the bank to cover the risk of the increased deductible, essentially allowing this tip to pay for itself in the first year or two. Anything you save after that is money you can spend. Using this chart with ficticious numbers an an example...Read the rest...

Nov 2008
5

Top 10 most, and least expensive cars to insure for 2008

by savingtools
Posted In:  insurance  automotive

Each year, Insure.com releases it's list of the top ten most expensive, and the top ten least expensive cars to insure. Insurers use a variety of data to decide on rates for cars, including the overall value, attractiveness to thieves and vandals, popularity with fast drivers, and overall safety.

So, being on the list of most expensive cars to insure doesn't necessarily mean the car is unsafe, but it does mean it will cost you quite a bit.

It's certainly a chance to save a little money when you are picking a vehicle to purchase. You'll notice, for example, a difference of over $200 in insurance costs between two popular makes of full size pickup trucks.

Here's their list for 2008:Read the rest...

Oct 2008
1

Find all the insurance policy discounts that are available to you

by savingtools
Posted In:  insurance

When comparison shopping, many consumers are not aware of all discounts that are available to them. Not all insurance companies offer every type of discount, but it does pay to ask them about any that could apply to you.

Be sure to ask about discounts for the following items when you are comparison shopping:Read the rest...

  • Higher than Average Deductible
  • Multi Vehicle ( more than one car )
  • Anti-Theft Devices
  • No Accidents in 3 Years
  • No Moving Violations / Traffic Tickets in 3 Years
  • Student Driver Training Courses