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How To Slash Your Car Insurance Costs Up To 54 In 10 Easy Steps Part 1

How to​ Slash Your Car Insurance Costs Up to​ 54% in​ 10 Easy Steps - Part 1
How much do you​ pay for Car Insurance every year?
Eight hundred dollars a​ year? One thousand? Two thousand?
Whatever the​ amount you're paying now,​ you​ can slash that amount by more than 50% by simply following a​ few simple strategies.
Can you​ cut your car insurance costs by investing only 30 seconds of​ your time? No,​ that can't be done.
But if​ you're willing to​ spend 30 minutes today,​ this week,​ or​ next,​ I'll show you​ how to​ save up to​ $6,​000 on​ your Car Insurance over the​ next 10 years.
Okay,​ here we go .​
Grab your Car Insurance declarations page (the page in​ your policy that details all the​ coverage’s you're paying for) and follow along .​
Make sure you​ take some notes .​
If you​ don't have your policy,​ or​ can't find it,​ call your car insurance company and get one - they'll send it​ to​ you​ pronto .​
STRATEGY 1 - Make sure you're getting all applicable discounts for your vehicles safety features,​ such as:
- Front,​ Side or​ Head Curtain Air Bags;
- Automatic Seat Belts;
- Anti-Theft Alarms or​ Tracking;
- ABS or​ Traction Control....and many more.
Think about the​ safety features you​ have....and write them down.
STRATEGY 2 - Review & Change Deductibles For Comp & Collision.
Most Car Insurance Policies have two deductibles - one for collision (you hit someone or​ someone hits you) and one for Comprehensive (all other damage or​ loss).
For both of​ these,​ have at​ least a​ $500 deductible - preferably a​ $1000 deductible.
Here's why - If you​ are currently paying a​ $100 - $250 deductible,​ you'll save up to​ 40% per year on​ your monthly premiums by moving it​ to​ $500 .​
That means if​ you're currently spending $1,​000 a​ year on​ insurance,​ you're going to​ get to​ keep $400 every year .​
If you​ jump to​ a​ $1,​000 deductible,​ you​ could keep almost $600 extra a​ year in​ your pocket .​
I can hear some of​ you​ saying,​ Wow,​ a​ $1,​000 deductible .​
That's a​ lot of​ money .​
Yes,​ it​ is.
So is​ paying $1,​000 a​ year with that $100 deductible....versus $400 a​ year with a​ $1,​000 deductible.
The odds are in​ your favor - go with the​ $1,​000 deductible.
STRATEGY 3 - Review & Change Property Damage Liability.
Have you​ ever seen a​ $100,​000 mailbox? Car Insurance Companies must have .​
Here's why....
Property damage is​ not damage done to​ an​ automobile but rather property like a​ mailbox or​ a​ utility pole .​
So,​ why in​ the​ world would you​ need $100,​000 dollars of​ coverage?
In most cases,​ almost 100% of​ all property damage claims can be taken care of​ with only $50,​000 of​ coverage .​
So take a​ look at​ your policy to​ find out what you're currently paying for .​
And if​ you​ have little or​ no Net Worth,​ drop your coverage even lower - to​ $25,​000 or​ your States minimum .​
you​ can find your States minimum by doing a​ Google search for car insurance state minimums.
Here's what to​ look for on​ your policy - Many will have your liability coverage's listed like so - 50/100/100 - the​ first two numbers refer to​ bodily injury liability coverage .​
the​ 1st number is​ the​ dollar figure covered per person .​
the​ 2nd is​ the​ dollar figure per accident.
The 3rd number is​ the​ Property Damage Liability .​
That's what you​ need to​ change .​
What does yours say?
STRATEGY 4 - Review & Change Bodily Injury Liability.
Although Bodily Injury Liability Coverage is​ a​ must,​ almost all of​ us end-up overpaying for the​ coverage we need .​
This type of​ coverage specifically covers:
- Any and all occupants of​ an​ automobile,​ whether it's yours or​ someone else's;
- Any and all occupants of​ another vehicle;
- And Pedestrians
Your only goal with this type of​ coverage is​ to​ have just enough protection to​ protect what is​ yours....in other words,​ your assets .​
And in​ order to​ protect your assets,​ you​ need to​ figure out what your Net Worth is​ - here's a​ well known site for calculating your net worth - www.kiplinger.com/personalfinance/tools/networth.html?
A great way to​ slash your premiums is​ to​ have no more in​ bodily injury liability than what your net worth is​ .​
Here's a​ common example of​ the​ coverage most people have - If your net worth is​ only $20,​000 and you​ have $100,​000 in​ coverage,​ you're throwing money away.
And if​ you​ have little,​ or​ negative net worth,​ just get the​ required State minimums .​
You'll need this info to​ get the​ lowest car insurance rates .​
Again,​ you​ can get see your state minimums by Googling car insurance state minimums.
Here's what to​ look for when trying to​ figure out how much coverage you​ have now .​
as​ I​ said earlier,​ most Policies today have your liability coverage's listed like so - 50/100/100 - the​ first two numbers (whatever they might be) refer to​ bodily injury liability coverage .​
in​ this example,​ there is​ $50,​000 in​ coverage per person and $100,​000 per accident.
What does your policy say? Are you​ paying more than your net worth? If so,​ change it.
STRATEGY 5 - Review & Change Uninsured/Underinsured Motorist Coverage.
The uninsured/underinsured motorist coverage is​ a​ fantastic deal for car insurance companies....and a​ lousy one for you​ .​
This premium alone can increase your auto insurance by a​ couple hundred dollars a​ year.
Most folks think that uninsured/underinsured coverage is​ there to​ get your car repaired if​ it​ is​ hit by someone without insurance....or someone with lousy insurance.
Wrong.
Any damage done to​ your car is​ already covered - by the​ premium you're already paying for collision.
First things first....check your policy if​ your paying for uninsured/underinsured coverage now .​
If you​ are,​ Google uninsured motorist state requirements to​ see if​ your State requires it.
If it's not required by your State,​ cancel it.
If the​ State you​ live in​ does require uninsured/underinsured coverage,​ make sure you​ have the​ absolute minimum required .​
These minimums are not advertised,​ change every couple of​ years and are very difficult to​ find .​
So,​ here's how you​ handle this.
Do a​ Google search for your State Department of​ Insurance,​ go to​ the​ Contact Us page,​ find a​ phone number,​ then call and ask what the​ minimums are.
Don't try looking for it .​
Finding the​ minimums listed is​ almost impossible on​ most State Web Sites - they've buried it​ so deep you'll never find it .​
Just call your State Department of​ Insurance.
I know it's a​ bit of​ a​ hassle to​ get the​ info yourself .​
Yet relying on​ the​ Insurance Companies to​ give you​ the​ correct information isn't very wise.
Next – Part 2 of​ How to​ Slash Your Car Insurance Costs Up to​ 54% in​ 10 Easy Steps

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