Take These 10 Steps And You’ll Save Money On Car Insurance

Aug
12

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insurance over the Internet, you are saving the company money by not requiring telesales agent time. This savings is passed on to you in the form of a discount for buying online. If you were given a quote by telephone, check your quote again on their website, you may be surprised at how much cheaper it is.

6. Reduce your annual mileage. How many miles do you drive a year is a common question that can affect your car insurance premium. The more miles you drive, the more your premium is likely to be. Quotation systems and telephone agents will often suggest an amount of miles for you, don’t do that as they will always assign you more miles than you actually drive because it means more profits for them. Try and work out how many miles per year you will drive. It may be less than the amount suggested.

7. Keep a clean driving record. By having few or no driving convictions, you can avoid being penalized by increases in your car insurance premium. If you have the option of keeping a speeding ticket off your driving record by going to traffic school, then do it. Getting a speeding ticket is often not the only financial penalty you incur. Auto insurance companies take very seriously all driving convictions and it is usually an important part of their rating process. You can expect an increase in the cost of your insurance if you do get caught with a driving conviction, so it pays to be a safe driver.


8. Be realistic about the value of your car. Most of us have an inflated view as to what our car is worth. When asked the value of your vehicle during the insurance quotation process, people will often state an amount that is unrealistic and above the real value of the car. People do this as they believe that this is what they will get back from the insurance company in the event of a claim. The reality is that the company will only pay out what the car is worth at the time of the claim and not what you stated for the quote. In fact, by giving a high and unrealistic value, you can increase your car insurance premium as this is often a factor affecting your final price.

9. Have car security. Theft of and from your vehicle are important considerations when car insurance companies calculate your price. Most companies will give you a discount for having better security of your vehicle. An alarm and steering lock will usually attract a small discount while having OnStar or another tracking device installed may give you a larger reduction. Some companies may insist on having such devices installed on more expensive and desirable cars before they even consider offering you a price.

10. Pay your premium in one go. By paying for your car insurance all in one go, you can avoid paying additional interest charges that would be added on if you opt to pay by installments. The interest charges can be quite significant, so if your finances allow, you can save a good amount of money by paying for the whole lot up front. In some cases, companies may even give you a small discount for doing this.

Dr Suzanne Gudakunst writes, “It literally makes me sick to see you buy cars for what Car Dealers ask, and it even makes me a lot more sicker to see you buying a car thinking you’ve put one over on the Car Dealers (here’s a hint: YOU HAVEN’T!)

Even if you’ve ever walked out of the car dealership with a brand new car thinking to yourself “I really got the better of those guys!” what you may not know is that they’re actually LAUGHING at you right now behind your back!

I’m sorry to have to be the one to tell you this, but you didn’t get anything on “those guys!” (i.e., the car salesmen). They have a set up for every single person that walks into their establishment – and believe me: They’re “experts” at screwing people over, and then on top of it, making you feel like you got the best of them (that’s actually what keeps THEM in business!)

The sooner you realize that this is the way they’ve all been doing business for well over a century, the sooner you can REALLY learn how to make them do what YOU want for a well-deserved change!

The fact is: If you’ve ever paid what the Car Dealers have agreed to, or even close to what they’ve agreed to, or even paid what you believed was a “fair price,” then guess what? … You’ve paid too much! (Waaaay too much in fact!!)”

Click here to discover the secret to buying any car for 30%, 50%, even 90% off what everybody else has to pay!

By Carl Rodriguez

http://www.ACEtheCSET.com

Carl Rodriguez Take These 10 Steps And You'll Save Money On Car Insurance

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