New York car insurance

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How to cut your New York car insurance bill dramatically

A lot of people are surprised to see just how much money they are spending on New York car insurance each and every single year when they finally get a chance to look at their finances.

Unfortunately, this isn’t one of those “good surprises” 99% of the time.

Worse still, experts predict that the cost of New York car insurance is only going to continue to trend upwards each and every year, basically siphoning off hundreds and hundreds of dollars from your bank account that you weren’t expecting to spend in the first place.

Thankfully, there are a couple of things you can do (right away with zero extra effort) to cut down on your New York car insurance premiums – often times dramatically.

Let’s get right to it!

Play the long con when purchasing New York car insurance

One of the easiest ways to dramatically reduce the amount of money you spent on New York car insurance is to plan things out well in advance of even purchasing your car – really playing the “long con”.

Be smart about the vehicle that you invest in, choosing a vehicle that will suit your needs right down to the ground while at the same time carrying a minimal car insurance hit. This won’t always be possible (especially if you’re already the proud owner of a specific vehicle), but if you have the chance to plan things out ahead of time don’t miss your opportunity for significant savings.

Cut out all the extras

Next, you’re going to want to be sure that your New York car insurance policy is in carrying any extras that you wouldn’t have taken advantage of anyway.

A lot of times, these insurance companies like to squeeze extras onto the insurance policies of their customers and clients, charging for extras like towing, roadside assistance, call rental services, etc. – extras that their customers very rarely use, which means that it is pure profit in your back pocket.

Cut these extras out of your policy and you’ll watch your monthly premium drop like a stone!

Negotiate a more favorable prepay premium plan

Lastly, it’s always a good idea to try and negotiate a prepay premium plan with your New York car insurance company.

Rather than pay off your car insurance each and every month, you instead pay off the entire year in advance. Because this guarantees that your auto insurance company will get their money for the entire year in one lump sum, they’ll often times be able to give you a substantial discount (sometimes even worth a full month of premiums taken off of the total bill) just to make it happen.

Pennsylvania car insurance

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The beginner’s guide to Pennsylvania car insurance

It’s certainly easier to buy Pennsylvania car insurance today than ever before, but it still isn’t quite as simple or as straightforward as it probably should be, as it probably could be.

In order to help you navigate the Pennsylvania car insurance community a little bit easier, we put together this quick guide of things that you should think about when it comes time to buy your new car insurance policy.

We hope it helps you out!

Always shop around

This seems like common sense on the surface, but you’d be absolutely shocked (and probably appalled) by the amount of people that simply don’t take the time to shop around for different quotes and different prices on Pennsylvania car insurance – instead opting to go with the first offers that they come across.

Do not make this same mistake.

Instead, look at three or four (and usually no more than five or six) different Pennsylvania car insurance offers and opportunities, comparing and contrasting them against one another until you find the best value.

Try not to pay on a monthly basis

Secondly, you’re going to want to try and forget completely about paying your Pennsylvania car insurance each and every month.

No, we aren’t recommending that you skip out on the bill for your insurance, but instead you prepay your Pennsylvania car insurance a year or at least six months in advance.

You’ll be amazed at the immediate and significant savings that you’ll be able to take advantage of when you create these kinds of arrangements with your insurance company. It’s not uncommon at all for these insurance providers to knock off a full month’s worth of premiums (and sometimes more) just for the security in knowing that you’ve prepaid your bill for the year.

Be smart about the extras that you add to your Pennsylvania car insurance policy

Purchasing “off-the-shelf” Pennsylvania car insurance is usually a pretty bad idea.

There’s no such thing ends one-size-fits-all insurance coverage, which is why you’re going to want to actually speak with an agent and representative to find out what kind of coverage you need, what kind of extras you’ll want to add (liability, collision, umbrella coverage, etc.), and what kind of prices you can negotiate moving forward.

Just make sure that you’re adding extras to your car insurance policy that gives you the tangible coverage that you might actually need to take advantage of, and not just “peace of mind” coverage that you pay for but will likely never end up using.

Illinois home insurance

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Three ways to drop the price of your Illinois home insurance without dropping coverage

If you’d like nothing more than to be able to drop the price of your Illinois home insurance premiums, but have absolutely zero interest whatsoever in dropping the level of coverage that you enjoy, you’re going to find yourself in a bit of a sticky situation.

Sure, it’s possible to pull this off, but you have to realize that your Illinois home insurance company isn’t exactly going to be excited at the prospect of you giving them less money for the same coverage – and are going to require you to jump through at least a handful of hoops to make it happen.

We’ve outlined a couple of details that you’re going to want to put into play when you go to decrease the amount of money you spend on Illinois home insurance, giving you a bit of an edge and advantage, hopefully helping you save a boatload of money in the process.

Let’s get to it!

Apply for Illinois home insurance discounts and rebates

There are a lot of Illinois state specific homeowners insurance discounts and rebates that you should be able to take advantage of through your homeowners insurance company.

Some of these insurance rebates and discounts are well published and well documented, and can be discovered with just a cursory Google search, but others are going to be buried much deeper in company literature or their own documentation – requiring you to do a bit of digging all on your own.

At the same time, this can be worth a few hundred dollars to a few thousand dollars a year.

Talk about time well spent.

Increase your Illinois home insurance deductibles

Secondly, you’re going to want to at least consider increasing your home insurance deductibles to a level that you feel comfortable with.

Not everyone is as eager or as excited at the prospect of boosting their Illinois home insurance deductibles (often times these deductibles are considerably higher than automobile insurance deductibles), but it’s a quick way – and an effortless way – to save you money without decreasing your coverage.

Pull all of your insurance policies under one umbrella

Finally, it’s always a good idea to think about bringing all of your different insurance policies together under a single company – not only for the immediate savings that you’ll enjoy by doing so, but also because of the continuity of service you’ll be able to expect.

California home insurance

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Three steps to cheap and reliable California home insurance

California home insurance rates are some of the highest in the country, but there is absolutely no reason whatsoever for you – or anyone close to you – to have to pay “full freight”.

There are so many different tips and tricks out there that you can put into play almost immediately to dramatically reduce the amount of money you spent on California home insurance, tips and tricks that can put hundreds and hundreds of dollars into your bank account each and every year.

Honestly, you’d have to be at least a little bit crazy not to try and take advantage of the tips and tricks we’ve included for you below.

Let’s dive right in!

Bundle up!

One of the easiest ways (and maybe the easiest of them all) to save a ridiculous amount of money on your California home insurance bill is to bundle up different insurance policies together all under the same roof.

Working with a single insurance company for your automobile insurance, your life insurance, and any other insurance policies you’re carrying combined with your homeowners insurance can have a major impact on how much you’re charged for each and every one of these insurance policies.

Bundling will always save you money.

Increase your deductible to decrease your monthly premiums

Another way to dramatically reduce the amount of money you are spending each and every month on your California home insurance is to increase your deductibles (as high as you comfortably can), and you’ll watch as your monthly premium begins to plummet downward.

It’s easy to save up to 35% or more on your monthly premiums just by cranking up your deductible.

Install security systems and other safety technology

Finally, it’s important to note that the more tools and technology you have around the house to increase the safety and security of your home (and of your investment), the less you’re going to be asked to pay in California home insurance.

Often times, it’s rather cost-effective to have a new security system installed in your home, taking advantage of the new and improved security technology out there while at the same time putting extra money in your back pocket from the savings of your home insurance policy.

Obviously, these three tips and tricks are only the tip of the iceberg when it comes to ways to save on insurance, but hopefully you’ll find them useful!