September 8

How to Save Money

Practically everyone wants to save money and get discount car insurance in Massachusetts. And why not? While car insurance is required of every driver there’s certainly no sense in paying more for your car insurance than you need to.

And given all of the resources available to the average driver these days, saving money and finding discount automobile insurance is easier than ever before. The internet is littered with sites which make it a snap to compare the prices of car insurance policies from a variety of different insurance companies.

But before you jump online and simply start filling out forms in a haphazard manner, it might serve you well to learn a few of the tips and tricks that will help you to fill out those forms the right way – the way that will save you the most money.

Shall we begin?

We’ll start with the way you drive. Hopefully it won’t come as any shock to you that speeding tickets and other moving violations on your driving record affect how much you pay for car insurance. If you are serious about saving money on your car insurance then always, always, always driving legally and safely.

Does your place of employment offer its employees discount group car insurance? If not check with any clubs, organizations or associations you might be affiliated with and see if they offer group car insurance. Ask friends and relatives if any of them belong to any clubs or organizations that offer their members group car insurance – if so, consider joining.

Don’t make small claims against your insurance company. The longer you go without filing any claims the less many insurance companies charge you in monthly premiums. Some companies offer price breaks in as few as six claim-free months – other companies require a longer claim-free period. Ask what the policy is at your insurance company.

Keep you car in a garage at night. Garaging your car will save you money month after month.

Consolidate all of your insurance policies at the same insurance company. Doing so will earn you a multi-policy discount on your car insurance.

Curtail your driving. Many people are now using public transportation whenever possible and leaving their car at home. If you can drop your driving to below 500 miles a month many companies will give you a rather hefty Low Mileage Discount.

Carpool to work. If you normally drive to and from work every day your car insurance rate reflects this. If you cut back on the number of days each month that you expose your vehicle to rush hour traffic you should get a break on your rates.

Have you recently retired? If you’re at least 50 and have retired talk to your agent about a reduction in your car insurance rates.

Younger drivers, those 25 and younger, can save at least 5% a month on their insurance simply by staying in school and getting a “B” grade average or better.

If you are in the market for a new car talk to your agent before you make your purchase. Not all cars cost the same to insure; find out ahead of time how much the make and model you have your heart set on is going to set you back each month in insurance payments.

Increase your deductible. Increasing your deductible is a sure-fire way to reduce your monthly car insurance costs – but this isn’t a free ride. Whatever amount you set as your deductible is the amount that you have to come up with in cash anytime you file a claim. Don’t make the mistake of promising to pay more than you can actually afford.

Now find those 3 car insurance price comparison websites we talked about earlier. Using what you have learned from this article make sure that you fill out the form on all 3 sites with exactly the same information. In this way you are comparing the same policy on all 3 sites.

That’s really all there is to it. Once you’ve made your comparisons all you need to do is review the answers and choose the lowest priced policy. This is how you save money and get discount car insurance in Massachusetts.

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September 7

How to Save Money and Get Discount Homeowner’s Insurance

Almost every homeowner in Massachusetts, whether required to buy homeowner’s insurance by their lender or not, still chooses to voluntarily purchase such insurance.

Why?

Because for most people their house is their largest and most valuable asset and people naturally want to protect their assets – and the best way to protect your house is by purchasing homeowner’s insurance.

Nevertheless, no one wants to pay any more for their homeowner’s insurance than they have to, and thanks to the internet and the multitude of homeowner’s insurance price comparison websites, there’s no reason for anyone to ever do so again.

However, simply randomly entering information onto a price comparison website does not guarantee that you will save anything. Before you logon to a price comparison website you need to know how to answer the questions they ask so as to set yourself up for the lowest possible price right from the beginning.

You do that by picking up tips and tricks from this article.

For example, did you know that the best way to guarantee that you will even qualify to save money and get discount homeowner’s insurance is if you keep your credit record clean? Many people are simply unaware that their credit score directly affects how much they pay for homeowner’s insurance.

Make your property safe from accident-related lawsuits. Fix lose or broken floorboards on porches and decks, tighten railings, fill in potholes around your property and replace cracked and buckled cement work.

Make you house less attractive to thieves by trimming bushes away from windows and by installing motion-sensitive floodlighting. Make sure all doors have a working deadbolt lock and that all windows also have a working lock.

A home security system that monitors your home 24/7 for fire and burglary can save up to 20% or even more on your homeowner’s insurance – but talk to your agent before you decide on a service as not all systems qualify for the full discount. If you have a home-based business ask your tax advisor if all or a portion of your cost can be written off your taxes – if so, that added savings could make such a system extremely attractive.

Upgrading your home’s plumbing and electrical system could save you quite a bit each month. Talk to your agent before starting such a project and see what your savings will be – if the numbers make sense then go ahead.

Buy a kitchen-rated fire extinguisher for your kitchen.

Make sure your smoke and fire detectors have fresh batteries twice yearly.

If anyone living in your home is 55 or older and retired let your agent know. This can save you money every month.

If you have a multi-story home add rope escape ladders at upper-floor windows.

Now, using the information from this article find 3 different websites that encourage you to compare the prices of homeowner’s insurance policies from different insurance companies.

Fill out the forms on 3 different websites – and make certain that you fill out the forms exactly the same way on all three of the sites so that you are comparing the same policy each time.

Then all you need to do is to determine in your own mind which companies are likely to still be around in 30 years and then simply choose the lowest-priced company from that list.

And that is how you save money and get discount homeowner’s insurance in Massachusetts and save money month after month, year after year.

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September 6

How to Save Money and Get Discount Car

Car insurance can be very expensive, especially in Virginia. That’s not surprising; one typical policy in Virginia can cost several hundred dollars a month. It doesn’t stop there; the premium can go up depending on the driver’s age, record and several other factors.

Driving without insurance in Virginia is not an option. Under Virginia’s state laws all drivers are required to have at least some kind of liability to coverage. Since car insurance is expensive and a “must have” than it’s important for you to save money and take advantage of every discount available.

How to Save Money and Get Discounts:

1. Shop around. First of all things you should shop around. Have an open eye and look into different insurance policies. Get at least three or four insurance quotes. If you really want to save more than get more insurance quotes.

2. Do your research and find what kinds of discounts are available.

Combination discounts – 10 -20% can be taken off your premium if you insure both your home and your car with the same insurance company.

Fine Student Discount- If you are a good student in school and have a GPA of 3.0 or higher than you can be eligible for a discount up to 25%.

Retirement Discount- If you are retired or will be retiring soon you’ll be driving less, which decreases accident chances and this can bump money off your premium.

Loyalty Discounts- If you plan to stick with the insurance company for more than a year you can get a big discount.

There are definitely plenty of more discounts out there in Virginia. It’s up to look into them so you can save money.

3. Maintain a good driving record. If you have a clean driving record insurance companies in Virginia will likely give you a good discount off your premium. Why? Because accidents are likely to occur, which means the less they have to pay.

These are some ways you can save money and get discount car insurance in Virginia. Look at there and take advantage of all the discounts possibly open to you.

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