Top Sixteen Insurance Saving Tips from Crazy4moneyclips
Most people can lower their insurance costs if they take the time to save the money. Crazy4MoneyClips offers savings tips that anyone can easily follow that could save you a few thousand dollars a year. The Crazy4MoneyClips blog – Save a Million Dollars Now – helps consumers save their money and put it where it belongs; in their pocket, in their money clip, in their purse.
Atlanta, GA, April 15, 2010 --(PR.com)-- Crazy4MoneyClips offers cost savings advice to millions of Americans annually. One area that people often think about but approach hesitantly when thinking about cost saving is insurance. If you get yourself a good agent that you trust, you should be able to talk to them about taking steps to lower your insurance rates. Below are sixteen easily taken steps that can save you money. Keep your money in your money clip.
1) Raise your deductibles on your insurances. The higher your deductibles the lower your insurance premiums
2) Only make claims when they are sizable. If you make claims on many small items, this will drive your rates up over time.
3) Pay annual insurance fees to secure reduced rates.
4) Buy term life insurance not whole life insurance.
5) Use same company for all insurance needs for volume discounts.
6) Ask what special discounts may be available. For instance, you can save money with the following special discounts: home safety, safe driver, senior. There may be others available that you may qualify for as well.
7) Get quotes from multiple carriers. It never hurts to see what your options are. In fact, you may find pricing varies significantly.
8) If you have a teenager, make sure the teen drives the oldest car. At least if you want the best insurance rates.
9) Insure your house not the land. Most people insure their house and their land, but your land is not at risk for fire or tornado damage. Save some money and insure just your house.
10) Check on Low Milage Discounts. If you don’t drive much, take advantage and get a lower insurance premium.
11) Check for Alarm System Discounts. Most insurance companies will reduce rates if you have an alarm system installed. Do the cost benefit analysis to see which will save you the most money.
12) Safe home means lower premiums; alarms, smoke detectors, deadbolts, sprinklers.
13) Stop Smoking; fires are cause by cigarettes so smokers pay more. It’s a hard one, but the fringe benefit is pretty good. You get to live longer and spend the money you save.
14) Go for group coverage. You will always get better coverage if you have a body of people to negotiate with. Check into affinity groups, alumni groups, work policies, etc.
15) Live in a high risk area – look for private insurance.
16) Check your credit score – yes, it could impact your insurance rates.
If you want more information on any of the following go to http://www.crazy4moneyclips.com and check out their blog. Their goal is to keep your money in your money clip.
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1) Raise your deductibles on your insurances. The higher your deductibles the lower your insurance premiums
2) Only make claims when they are sizable. If you make claims on many small items, this will drive your rates up over time.
3) Pay annual insurance fees to secure reduced rates.
4) Buy term life insurance not whole life insurance.
5) Use same company for all insurance needs for volume discounts.
6) Ask what special discounts may be available. For instance, you can save money with the following special discounts: home safety, safe driver, senior. There may be others available that you may qualify for as well.
7) Get quotes from multiple carriers. It never hurts to see what your options are. In fact, you may find pricing varies significantly.
8) If you have a teenager, make sure the teen drives the oldest car. At least if you want the best insurance rates.
9) Insure your house not the land. Most people insure their house and their land, but your land is not at risk for fire or tornado damage. Save some money and insure just your house.
10) Check on Low Milage Discounts. If you don’t drive much, take advantage and get a lower insurance premium.
11) Check for Alarm System Discounts. Most insurance companies will reduce rates if you have an alarm system installed. Do the cost benefit analysis to see which will save you the most money.
12) Safe home means lower premiums; alarms, smoke detectors, deadbolts, sprinklers.
13) Stop Smoking; fires are cause by cigarettes so smokers pay more. It’s a hard one, but the fringe benefit is pretty good. You get to live longer and spend the money you save.
14) Go for group coverage. You will always get better coverage if you have a body of people to negotiate with. Check into affinity groups, alumni groups, work policies, etc.
15) Live in a high risk area – look for private insurance.
16) Check your credit score – yes, it could impact your insurance rates.
If you want more information on any of the following go to http://www.crazy4moneyclips.com and check out their blog. Their goal is to keep your money in your money clip.
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Crazy4MoneyClips
Bill Wilson
404-502-5567
www.crazy4moneyclips.com
Bill Wilson
404-502-5567
www.crazy4moneyclips.com
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