Keep track of your savings accounts with my savings accounts » Insurance Company http://www.mysavingsaccounts.com Find the best savings rates on savings accounts Wed, 21 Dec 2011 15:24:03 +0000 http://wordpress.org/?v=2.8.4 en hourly 1 How To Save Money And Get Discount Homeowner’s Insurance http://www.mysavingsaccounts.com/howtosavemoney/how-to-save-money-and-get-discount-homeowners-insurance/ http://www.mysavingsaccounts.com/howtosavemoney/how-to-save-money-and-get-discount-homeowners-insurance/#comments Tue, 04 May 2010 14:11:08 +0000 admin http://www.mysavingsaccounts.com/savings/how-to-save-money-and-get-discount-homeowners-insurance/ If you live in Arizona and are looking to insure a home, there are several things you can do to get discounts on your homeowners insurance rate and save a few dollars.

1. First and foremost, make sure that youre shopping your insurance with companies licensed to do business in Arizona. If youre not sure if the company is licensed in the state, stop by the Arizona Department of Insurance website which contains a listing of all companies licensed in the state.

2. Bundle Your Coverages: Insurance companies like to write more than one line of your coverage. By placing more than one of your policies with an insurance company, you will receive a discount. The discount varies from company to company, so make sure to ask about it when shopping.

3. Quit Smoking: Insurance companies prefer non-smokers.

4. Protect Your Pool If you have a pool, make sure it is not easily accessible to a child who may inadvertently wander into your yard. If youre thinking of installing a pool, check with your insurance carrier first. Many companies do not like in ground pools with diving boards and may refuse to provide coverage. Those who are willing to provide coverage will charge a higher premium.

5. Deductibles: Get alternative quotes for different deductibles. The higher the deductible, the more of a savings in premium. Make sure that the premium savings is worth the increase deductible outlay.

6. What type of dog do you have?: Although you feel your pooch is a sweet family pet that wouldnt hurt a fly, insurance companies feel differently. They may charge more if you have certain breeds of dog. The breeds are usually larger dogs that carry a reputation, no matter how unwarranted the reputation is. Your sweet loveable Rottweiler may be the cause of an increase in your homeowners insurance rate.

7. Shop: Always shop around and get more than one insurance quote.

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]]> http://www.mysavingsaccounts.com/howtosavemoney/how-to-save-money-and-get-discount-homeowners-insurance/feed/ 0 How To Save Money And Get Discount Health Insurance In http://www.mysavingsaccounts.com/howtosavemoney/how-to-save-money-and-get-discount-health-insurance-in-2/ http://www.mysavingsaccounts.com/howtosavemoney/how-to-save-money-and-get-discount-health-insurance-in-2/#comments Mon, 12 Apr 2010 13:01:43 +0000 admin http://www.mysavingsaccounts.com/savings/how-to-save-money-and-get-discount-health-insurance-in-2/ How To Save Money And Get Discount Health Insurance In Arizona

The best way to get discount health insurance in Arizona is to live a healthy lifestyle. When you shop for insurance, you will have to fill out a company questionnaire, which will ask a lot of questions that will enable the underwriters to determine how much of a health risk you are and how much to charge you for that risk.

Here are a few things they will look at:

1. Health History: Do you have a history of good health or have you been in and out of the hospital for one thing or another. If youve had a stroke within the past 10 years, more than likely it will be difficult to obtain coverage or you may be penalized with a much higher rate

2. Weight: If you are overweight or have a BMI (Body Mass Index) above 39 you will have a difficult time getting insurance. If you do find a company willing to insure you, they will penalize you with a higher rate. To get the best rate, keep your weight in check. Things like exercise and proper eating will work to your benefit when it comes to rating your health insurance policy.

3. Do you smoke?: Smoking is not looked upon very favorably and youll incur a higher rate for this habit.

4. Age: Statistically, older people have a higher incidence of filing health claims than younger people. The younger you are when looking for health insurance, the better your premium rate.

5. Occupation: What do you do for a living? Desk jobs are much less hazardous than outdoor manual labor jobs. The more hazardous the job, the higher the rate.

If youre not in perfect health, or you have a pre-existing condition that an insurance company will not want to insure, dont despair. Ask the company if they have an exclusion rider that will exclude the pre existing condition. Sometimes you have to get creative to get the best rate.

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]]> http://www.mysavingsaccounts.com/howtosavemoney/how-to-save-money-and-get-discount-health-insurance-in-2/feed/ 0 How To Save Money And Get Discount Car Insurance In http://www.mysavingsaccounts.com/howtosavemoney/how-to-save-money-and-get-discount-car-insurance-in-8/ http://www.mysavingsaccounts.com/howtosavemoney/how-to-save-money-and-get-discount-car-insurance-in-8/#comments Wed, 31 Mar 2010 19:33:15 +0000 admin http://www.mysavingsaccounts.com/savings/how-to-save-money-and-get-discount-car-insurance-in-8/ How To Save Money And Get Discount Car Insurance In New Jersey

The best way to save money and get discount car insurance in New Jersey is to design a car insurance policy that’s right for you and then see how much that policy would cost from every insurance company operating in New Jersey.

In order to do this let’s start by looking at everything you can do to build a policy from the ground up that will save you as much money as possible.

The minimum car insurance you are required to carry in New Jersey is Liability, Personal Injury Protection (PIP) and Uninsured Motorist (UM) coverage.

None of these types of insurance will repair or replace your vehicle if you are in an accident, especially if you are at fault for the accident. If you want to protect your own vehicle then in addition to the three types of insurance that I just mentioned, you will also need to buy Collision insurance as well as Comprehensive insurance.

Just so you know, driving without insurance in New Jersey can land you in a lot of hot water. At a minimum you may be subjected to fines, community service, license suspension and when you do buy insurance so that you can legally drive in New Jersey you can count on what is referred to as an “insurance surcharge” in other words, yet another fine.

So let’s start designing a policy that will cost you as little as possible while still giving you the coverage you need.

The first thing you need to do is to keep your driving record clean. This means you do not have any speeding tickets or other moving violations and that you most certainly do not have any convictions for Driving Under the Influence (DUI) or for Driving While Intoxicated (DWI). Even a speeding ticket will prevent you from getting the best rates on discount car insurance, but a DWI or a DUI will send your rates to the moon.

If you are under 25 years old stay in school and keep your grades up. If you can maintain at least a “B” average then you can save about 5% on your monthly car insurance premium.

Can you keep your car in a garage at night? If so there’s another big savings on your insurance.

Do you drive less than 500 miles each month on average? If so there’s no reason for you to pay for insurance while your car is just sitting in your garage you should be eligible for a Low-Mileage Discount.

Do you have more than one insurance policy with the same insurance company? Maybe you have a life insurance policy, or a homeowner’s policy with the same company? If so you should be eligible for a Multi-Policy Discount on your car insurance.

Have you been insured with the same insurance company for at least 5 years? If so ask for a Long-Term-Policy Discount.

Are you 55 or older? If so see if you qualify to take a special driver’s refresher course. If you qualify and you pass the test you can shave about 10% off your car insurance bill month after month!

Are you driving an old clunker of a car with little or no Kelly Blue Book value? If that’s the case and you are still paying for collision or comprehensive insurance you are simply throwing your premium dollars down the drain.

Along those same lines remember that each year that passes your vehicle loses value according to the Kelly Blue Book. Therefore you should lower the amount (and therefore the cost) of your comprehensive and collision insurance each year talk to your agent about how much you could save by simply doing this.

How large of a deductible can you afford? Think carefully before you answer. The higher your deductible the lower your monthly car insurance premium, but keep in mind that however much you set your deductible for, that is the amount of money you are going to have to pull out of your own wallet any time you have a claim. Make sure you can afford your deductible.

O.K., now you’ve got enough information to create the perfect, low cost car insurance policy. Now it’s time to get online and find at least 3 different websites that let you compare prices on policies between different insurance companies.

Each site wants you to think that it is comparing prices at every single insurance company, but that is simply not the case. If you are really serious and want to genuinely save money and get discount car insurance in New Jersey then you’re going to have to take a few extra minutes and compare the price of your super policy on at least 3 different websites.

Then simply pick the best price you can find and you’re done! You’ve saved money and gotten the very best deal you could on car insurance here in New Jersey. Congratulations!

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]]> http://www.mysavingsaccounts.com/howtosavemoney/how-to-save-money-and-get-discount-car-insurance-in-8/feed/ 0 How To Save Money And Get Discount Car Insurance In http://www.mysavingsaccounts.com/howtosavemoney/how-to-save-money-and-get-discount-car-insurance-in-6/ http://www.mysavingsaccounts.com/howtosavemoney/how-to-save-money-and-get-discount-car-insurance-in-6/#comments Sun, 28 Mar 2010 04:54:01 +0000 admin http://www.mysavingsaccounts.com/savings/how-to-save-money-and-get-discount-car-insurance-in-6/ How To Save Money And Get Discount Car Insurance In Missouri

No one likes paying for car insurance, but if you are going to drive a motor vehicle on any public road in Missouri you had better have up-to-date auto insurance and you had better have proof of insurance with you at all times. The penalties for driving without insurance are severe and include the possibility of losing your driving privileges for one full year and the payment of a penalty to reinstate your license after that period.

Therefore it is important for many people to find ways to save money and get discount car insurance here in Missouri.

The first thing you need to do is to keep your driving record clean. A speeding ticket, or a drunk driving or impaired driving conviction will send your auto insurance rates through the roof.

If you are young your insurance rates will typically be higher. However, if you stay in school and maintain at least a B average, many companies will give you a Good Student Discount on your monthly premiums. If you are over 55, check with your insurance company to find out if taking and passing a refresher driving course will lower your insurance bill.

Driving a sports car or other high-performance vehicle increases the cost of car insurance.

If you have an older car with little or no Blue Book value you may choose to purchase the minimum liability insurance coverage that is required in the state of Missouri. However, if your car is newer or if it is being financed then you may be better off purchasing collision coverage and possibly other coverage as well.

In either event you can still reduce the cost of your insurance by increasing your deductible the amount of money you will pay out of your own wallet if you have a claim. The larger the deductible on your policy, the lower your monthly premium payments.

Finally, get online and make direct head-to-head comparisons of as many insurance companies as possible on the many websites designed to help you find the best price for car insurance in Missouri.

Unfortunately you will need to enter all of your information into the form on at least 3 different websites if you want to be assured of comparing the most companies and feeling confident that you have saved money and gotten the best discount car insurance you possibly can.

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]]> http://www.mysavingsaccounts.com/howtosavemoney/how-to-save-money-and-get-discount-car-insurance-in-6/feed/ 0 How To Save Money And Get Discount Car Insurance In http://www.mysavingsaccounts.com/howtosavemoney/how-to-save-money-and-get-discount-car-insurance-in-4/ http://www.mysavingsaccounts.com/howtosavemoney/how-to-save-money-and-get-discount-car-insurance-in-4/#comments Wed, 24 Mar 2010 23:43:59 +0000 admin http://www.mysavingsaccounts.com/savings/how-to-save-money-and-get-discount-car-insurance-in-4/ How To Save Money And Get Discount Car Insurance In Indiana

Uninsured motorist coverage is mandatory in the state of Indiana unless you specify, in writing, that you don’t wish to have it. Although some people believe that forgoing this type of car insurance will save them money, there are ways to curb the costs without cutting corners on the level of coverage you really need. Some easy and effective ways to save money by finding discount car insurance include:

Pay all your expenses on time. Your credit report has an impact on many things including your car insurance rates. If you are viewed as a credit risk you can expect to pay more for your car insurance premiums. Ensure that you pay all bills by the due date and check your credit report periodically for any irregularities.

Increase the level of your deductible. Most people believe that having a low deductible will save them money should they ever need to pay it after an accident or a claim. This is actually true however having a lower deductible also means higher premiums. Ask your agent to raise your deductible and youll notice an immediate drop in the price of your car insurance.

Join a carpool or purchase a public transportation pass. Not only will it help you lower your car maintenance expenses if you drive less, but you can expect to see a drop in your car insurance rates too. Most insurance companies offer lower rates to clients who drive fewer miles each year.

Whenever you purchase a new car insurance policy be certain to review it closely. Also, every time its due for renewal, seek out a few new quotes. Car insurance rates can fluctuate quite a bit from one insurance company to another, so its wise to always be certain that the rate you are paying is indeed the lowest rate available.

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]]> http://www.mysavingsaccounts.com/howtosavemoney/how-to-save-money-and-get-discount-car-insurance-in-4/feed/ 0 How To Save Money And Get Discount Car Insurance In http://www.mysavingsaccounts.com/howtosavemoney/how-to-save-money-and-get-discount-car-insurance-in-3/ http://www.mysavingsaccounts.com/howtosavemoney/how-to-save-money-and-get-discount-car-insurance-in-3/#comments Tue, 23 Mar 2010 11:19:17 +0000 admin http://www.mysavingsaccounts.com/savings/how-to-save-money-and-get-discount-car-insurance-in-3/ How To Save Money And Get Discount Car Insurance In Illinois

There are many people that want to figure out how to save money and get discount car insurance in Illinois. Since it is so important to select the right insurance for your car, these tips will help to assist you in getting the car insurance that you need without putting a huge hole in your wallet.

First of all you should do a lot of comparison shopping both online and with local insurance agencies. The internet is a rich resource of information for those that are looking to find out how to save money on car insurance in Illinois. You can compare several different car insurance plans in a relatively short amount of time. You just need to fill out all your information as accurately as you can in order to get the most accurate car insurance quote. Another route to take is visiting local insurance companies and ask them any questions that you might have regarding, which is the best insurance policy to get for your vehicle. Be absolutely sure to ask any local insurance agent what if any special discounts that they offer to those looking for car insurance.

You should have a really good idea of what type of car insurance is going to meet your needs and do not feel pressured to purchase a specific car insurance policy if you feel it is offering more coverage then what you feel that you need. If you do not like how you are being treated by an insurance company then move on to another one, good customer service is just as important as a quality car insurance policy.

Should you decide on full coverage car insurance, keep this tip in mind, the larger the deductible is on your car insurance policy the smaller your monthly payment will be.

Taking a defensive driving class can also lead to discounts on your car insurance and if you have teenage drivers in your house there are many car insurance companies that offer breaks on automobile insurance if your child has good grades.

These are just a few of the great ideas you can put to use while looking to find discount car insurance in Illinois. The more research time that you put in before buying a policy the better the chance that you are going to find just the coverage that you need for your car at a very reasonable price.

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]]> http://www.mysavingsaccounts.com/howtosavemoney/how-to-save-money-and-get-discount-car-insurance-in-3/feed/ 0 How To Save Money And Get Discount Automobile Insurance In http://www.mysavingsaccounts.com/howtosavemoney/how-to-save-money-and-get-discount-automobile-insurance-in/ http://www.mysavingsaccounts.com/howtosavemoney/how-to-save-money-and-get-discount-automobile-insurance-in/#comments Sun, 28 Feb 2010 16:37:31 +0000 admin http://www.mysavingsaccounts.com/savings/how-to-save-money-and-get-discount-automobile-insurance-in/ How To Save Money And Get Discount Automobile Insurance In Alabama

You don’t want to drive an automobile on any public roadway in Alabama without first purchasing automobile insurance. If you get caught driving without insurance in Alabama the penalties are severe and the fines can reach into the hundreds of dollars before you’re back on the road.

Rather than risk being caught without automobile insurance why not look for ways to reduce how much you have to spend to insure the vehicle you have?

If you’re thinking about getting a new vehicle, check with your agent first. Not all new vehicles are created equal in the eyes of an insurance company. Get a list of the lest-costly-to-insure vehicles before you make your next purchase.

If you can keep your car in a garage at night let your agent know as this will affect how much you pay for your insurance.

Drive legally at all times. If you get even one speeding ticket or other moving violation you can forget about getting the best price on discount insurance for at least 3 years. If you are convicted of a DWI or a DUI then forget about finding even a reasonable price for your insurance for several years.

If you retire and are no longer driving your car to work every day let your agent know. You’ll get a good discount.

If you can use public transportation for the bulk of your “driving” needs and you can keep your actual mileage down to around 500 or fewer miles per month then you will be in for a rather hefty Low-Mileage savings on your automobile insurance.

If you’re under 25 you’re automatically placed in a high-risk insurance category and you pay more for your car insurance. You can cut your rates somewhat if you are able to remain on your parents’ policy and you can save even more on top of that if you stay in school and can keep up at least a “B” grade average so you qualify for a Good Student Discount.

Older drivers may qualify to take a special driver’s refresher course. If your company offers such a discount and you pass the course you can save 10% a month on your insurance.

If you drive an older car that isn’t worth much you could save quite a bit of money each month if you dropped your comprehensive and collision coverage and used the savings to buy a new car.

Don’t make small claims. Only use your insurance for a major accident and pay the small stuff from your own pocket. The longer you go without making a claim the less your insurance is going to cost you.

Increase your deductible if you can afford it. You need to be careful doing this because the amount you choose for your deductible is the amount you will have to come up with out of your own pocket any time you file a claim, but the larger you can make your deductible the less you will pay for your automobile insurance.

Now go online and find at least 3 websites that let you compare the price of an automobile insurance policy between several different insurance companies. Using what you have learned from this article enter the same information into the form on at least 3 different comparison websites.

This way your comparisons will give you results that you can use, and all you need to do is to choose the company with the lowest price and you’ve done it! You’ve saved money and gotten discount automobile insurance in Alabama and you’ll be saving money month after month for a long time to come.

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