How can you save money on insurance in the next 30 days?
We advanced with five children 7 and under and Bob went to the base to complete the forms of off-treatment. I went to a friend's house to do laundry because our household goods were already en route.
My friend gave me the code to the garage door. I was so distracted with the children that I forgot Bob put the travel pod on top of the van. I entered the code, got into the van and drove into the garage.
The car tore the garage door, raining glass on our van. Bad day.
The insurance is something you need, but we hope you'll never use. -. Tweet this
Here are seven suggestions to reduce the insurance fat and still maintain the right kind of coverage
insurance costs of
Cut owner.
Many people have insurance of their own paid under the mortgage payment and do not think for an annual review of this policy.
Every year, a family must ask the agent how to reduce costs through discounts for nonsmokers, fire prevention devices in the home, security systems or a new roof roof tiles.
Carry only the necessary coverage.
most families should carry only up to 0 percent of the value of the house (not including the land in this coverage). - Tweet this ..
Reducing premiums more by increasing the deductible to $ 500, $ 1,000, or 1% of the total amount of cover
Reconsider value replacement
consider making a replacement insurance on personal property. It only costs a little more and additional coverage is valid.
This also during military movements, when your goods are fully covered if lost, stolen or damaged.
Remember runners for personal items.
If a thief steals jewelry, weapons, computer equipment, antiques, coin collections and other personal items, the landlord's insurance could cover as little as $ 1,000 to less that they are detailed.
the cost of the additional coverage depends on the total amount of the rider.
renters insurance savings.
many military families rent or live in base housing. You still need to cover your household goods.
To save money, contact the insurance company that carries your automobile policy there are often discounts for holding for grouping.
Do not overestimate the value of your household goods or overpay bonuses and you will be able to collect the actual replacement value in case of loss.
It pays to drive with caution.
each ticket and accident add extra points and additional bonuses for the cost of a policy. Therefore, if you received a ticket unfairly, it is better to fight it.
If another person is responsible for an accident, call the police to the scene to write a police report showing that you are not at fault.
Go for higher deductibles on comprehensive and collision to ensure major accidents, no clashes.
Shop.
Get estimates from at least three companies before buying insurance.
Reducing the cost of insurance on your car by buying the right type of car. Some vehicles are more expensive to insure than others, so check with an insurance agent before buying a car.
If possible, use the car less expensive to travel to and from work. SAHM (stay at home moms) have less odds so let mother drive the most expensive car.
Discounts mean dollars.
Some companies offer discounts if you have taken a driver safety course, even if you took one to have a ticket removed from your record.
other reduction options include anti-theft devices, discounts safe-pilot, multi-car discounts, and good grades for students.
Ask your company for all the discounts that you might have on your route.
Young Drivers.
when a teenager gets a license, he or she must be listed somewhere on your car insurance policy.
the best option is to name the teenager as the main driver of an older vehicle that does not carry full coverage.
In some cases, the young driver may need to be named on the title. Consider letting the teen pay part (or all) of its insurance premium. There is an additional incentive to drive safely
Where you are able to save money on your existing insurance
Photo credit .? Ian Fuller via photopin cc
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