Arizona car insurance

A couple of tips and tricks to help you dramatically cut the cost of Arizona car insurance

Just about every single driver on the road is looking for new ways to cut down on the cost of insurance that they pay each and every single month – and some of them are a lot more successful than others.

Contrary to popular belief, there is absolutely no reason whatsoever that you will have to pay the “advertise rate” for insurance provided to you by an Arizona car insurance company. There is a reason why they call these figures quotes, and you have a lot of wiggle room and advantages that you can leverage to really boost your savings (sometimes dramatically).

Here are just a couple of tips and tricks designed specifically to help you increase the amount of money you’re able to save every month on your Arizona car insurance.

Do everything in your power to boost your no claim bonuses

One of the most important things that you have to understand about automobile insurance (here in Arizona, or anywhere else, for that matter) is that the more you have to use your Arizona car insurance the more likely to you are to pay a premium price tag on coverage in the future.

If you continue to get into minor accidents, go through streaks of unlucky driving activity, and have to make numerous claims on your insurance, you’re going to end up paying through the nose.

Do whatever you can to stay clear of these accidents and pay cash for as many repairs as possible so that you don’t have to make claims to keep your insurance premiums low.

Keep your nose clean

In the same vein, you’re going to want to do absolutely everything you can to keep your driving record just as clean as it can be. Each and every single one of the Arizona car insurance companies out there are going to factor your driving record into the final equation that dictates the amount of money you are going to be asked to spend on car insurance – and the less strikes against you, the better off you’re going to be.

Invest in quality security equipment

Finally, it usually makes all the sense in the world to invest in a quality aftermarket security system and equipment to upgrade your vehicle – not only for your own peace of mind, but also for the insurance savings you’ll enjoy it. It’s almost always a better idea to purchase this equipment secondhand (if possible), so that way you really maximize the return on investment with the savings from your Arizona car insurance premiums.

Illinois car insurance

Three easy to fix Illinois car insurance mistakes that could help you save a bunch of money

Each and every single year, hundreds of thousands (maybe even millions) of Illinois automobile owners make major mistakes when it comes to their car insurance that ends up costing them hundreds and even potentially thousands of dollars.

Unless you are cool with the idea of quite literally throwing money right out the window, wasting those hard-earned dollars on coverage policy details that aren’t helping you in any way whatsoever, you’re going to want to pay close attention to the details we included below to help you get back on track and save a boatload of money on your Illinois car insurance.

Shall we jump right in?

Great!

Let’s get right to it.

Stopped carrying unnecessary coverage riders

A lot of people have way more (WAY more) insurance coverage on their policy than they need, and it’s costing them a lot of money each year.

Now, it’s critically important to be able to distinguish between extra insurance that you want to take advantage of (extra liability coverage, for example) and unnecessary insurance protection – like medical insurance that would have already been covered by other insurance policies you’ve already taken out.

If you want to immediately cut costs on your Illinois car insurance, simply eliminate as many of the unnecessary coverage riders from your policy as you can.

Drop car rental and towing from your Illinois car insurance policy

You’ll also want to be sure to eliminate car rental and towing from your car insurance policy, especially if you don’t see yourself using this kind of coverage in the future.

Honestly, renting a car in an emergency situation is probably only going to set that $20 a day or so, and you might only find yourself requiring a tow truck in very rare and extreme circumstances – and even then, most of the time you’ll be able to use credit card policies or AAA coverage.

Don’t upgrade your security system to drop your Illinois car insurance premiums

Finally, don’t get sucked into the trap of spending $1000 or more a cutting-edge security system to install in your vehicle just to drop your Illinois car insurance premiums.

Most of the time, you won’t ever be able to recoup enough savings to even cancel out the investment – let alone stretch out the timeline so that this kind of investment makes you money.

New York homeowners insurance

Negotiation secrets to land better New York homeowners insurance

Understanding that your home is one of your largest financial investment, and likely will be one of the biggest financial investments you make in your lifetime, it’s absolutely mission critical to protect that investment with quality New York homeowners insurance.

And while just about every single New York homeowner understands the value of carrying quality homeowners insurance, the overwhelming majority of them are paying way too much for their homeowners insurance – without even knowing that they are in the first place!

This is because they take the quotes they received from these companies at face value, as though they were poured in concrete and unchangeable, when nothing could be further from the truth.

Armed with these negotiation tactics, you should be able to land the very best New York homeowners insurance available while at the same time paying a whole lot less for it.

Know your numbers ahead of time

The whole backbone of negotiating for the best New York homeowners insurance available at the very best price is going to come down to knowing all of your numbers ahead of time.

You’re going to need to know exactly how much your home is worth, how much your home is assessed at, how much you’re paying in property taxes, how much comparable homes are pain in New York homeowners insurance premiums, and any other figures and facts that enter into the equation.

Without preparing yourself with these numbers ahead of time, you’re going to be at the mercy of homeowners insurance professionals that ALWAYS have access to the data and will have it right in front of them while you’re negotiating.

Be friendly, but firm

Secondly, you need to adopt a negotiating personality before you even begin the process.

You’re going to want to be just as friendly and as conciliatory as possible, but you’re also going to want to remain firm in your quest to get the very best prices for the very best coverage.

This means that you’re going to need to push back at least a little bit in the negotiation process (after all, that’s what a negotiation process is all about), something that a lot of people aren’t comfortable with until they adopt the friendly but firm personality.

Don’t be afraid to walk

Finally, understand that there are always going to be other companies that are eagerly excited to do business with you on your terms in the New York homeowners insurance arena.

If a deal isn’t to your liking, don’t be shy about walking away.

California homeowners insurance

Here’s how to get great California homeowners insurance at a fair price 

Your home is going to be one of the biggest financial investments (and commitments) you ever end up making, and you need to be sure – 100% positive – that you protect this investment as best you can.

What this means is that you have to get your hands on the very best California homeowners insurance policy you can find, a policy that offers complete and total coverage – comprehensive coverage – that covers you from the basement to the tip of the chimney and everything in between.

But that doesn’t mean that you should have to pay through the nose quality coverage.

Use the tips and tricks that we’ve included below, and you shouldn’t have to worry about that anymore!

Be smart about how you compare California homeowners insurance

You’re definitely going to want to be smart about how you compare different California homeowners insurance policies and proposals, or you could end up taking a bath.

First of all, you should only be comparing quotes from reliable and reputable companies you know you’re going to be able to trust. It makes absolutely no sense in the world to pull quotes from companies that have a horrible track record, companies that you’d never do business with anyways.

Secondly, you’ll want to make sure that your California homeowners insurance company (your potential California homeowners insurance company) knows that you are shopping around. This will really light a fire underneath them to give you the best deal they have, and can save you a ridiculous amount of time and research in the process.

Get a full breakdown of your potential coverage

It’s also critical that you get a full and complete breakdown of all the coverage that you would be taking advantage of if you decided to go with a particular California homeowners insurance policy.

Too often, quotes get a little bit “fuzzy” about the coverage that you would have added to your policy, and if you sign on the dotted line without knowing EXACTLY what coverage you have – and what coverage you are without – you could end up in some pretty sticky situations later down the line.

Always read the fine print.

Bundle up for significant savings

Lastly, it’s a great idea to bundle up as many of your insurance needs as possible to really squeeze every drop of savings possible out of these companies.

Companies that bundle are way more inclined to provide you with steep discounts and significant deals on “bulk insurance”, and you’d have to be at least a little bit crazy not to consider it.