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Monthly Archives: July 2015

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How To Save On Car Insurance

Whether you are a car enthusiast, a car lover, or simply a car owner, as long as you have a car, it is important that you buy car insurance for it.  Car insurance these days has become a necessity because it is a requirement in renewing your car registration. Even though it is a requirement, there is really no mandate on how much car insurance coverage you can or should carry.  Although some people think of car insurance as an unwanted expense on their part, the thing is that car insurance is a protection necessary against unwanted contingencies.

Car insurance is actually much deeper than what it seems as there are numerous coverage available for car insurance.  If you want to get the best protection, it is vital that you customize your coverage based on how you regularly use your car.  Buying too much may seem unnecessary and prove to be an unwanted cost.  Having too little on the other hand may not provide much protection.  To save on car insurance, it is important that you buy only the coverage that you need and not much more.

Here are a few other ways on how to save on car insurance:

  1. Shop Around – this is probably the best advice and applicable to all car owners who are looking to buy car insurance. By shopping around and asking for car insurance quotes from different car insurance providers, you will be able to get one that has the lowest offering for the type of coverage you are looking for.  Of course, getting the one with the lowest quote may not be the best as making claims may prove to be an issue with them.  It is best to go with a good insurer that provides the lowest quote or premium on the coverage of your choosing.
  2. Low Mileage – if you only get low mileage with your car, you may ask for low mileage discount. If you only consume less than 5,000 miles on your car each year, your car qualifies for this type of discount.  Since your insurer has less risk on a low mileage car, some will be more than happy to provide the discount.
  3. Good Driving Record – if you have no accidents or car records within the past ten years, it means you have a good driving record. Since you do not pose any serious risk to your insurer, it is possible that they will provide you with the discount.

Home Insurance – How To Lower Cost

Not all homeowners have home insurance simply for the fact that the home insurance quotes being given to them are very high.  Of course, a high home insurance cost will turn off anybody and will simply opt not to have home insurance.  The truth is that there are reasons as to why home insurance costs are high for others and the reason mainly is the risk the insurer takes on them if they were to write an insurance policy.  If the insurance company considers your home as a high risk, it is only likely that the premium asked by the insurer is also high.

Even two identical homes but erected on different parts of the neighborhood will have different home insurancerates.  Even if they are getting the exact same coverage, one of the homes will get a much lower insurance premium and the other one will possibly get a much higher one.  This is mainly on the risk assessed by the insurance company.  One of the things assessed by insurers is the area in which the home is situated along with other external factors that are considered as risks by insurers.

To lower your insurance cost and finally be able to afford protection, you need to make your home safer and have lower risks.  This can be done through the following methods:

Security – by increasing the security of your home, you will be able to lower your insurance cost as break-ins will be less likely if you have better security.  This can be done by installing security cameras on strategic locations and replacing your door locks and other home locks with more secure lock mechanisms.

Dogs – if you have a large dog breed that are considered as risks by insurance companies, it is likely that they will be asking a much higher insurance premium from you.  To lower your premium, if possible, get rid of the pet and have it adopted and get only small dog breeds that are not of the biting kind.

Swimming Pool Fence – if you have a swimming pool in the home, this will be considered as a high risk by insurers.  To lower the risk and also lower your insurance cost, have the swimming pool perimeter fenced so that kids will not have easy access to the pool area.…