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Ways to Help Make Ends Meet
Are you struggling to get all your bills paid? You are not alone, but you do not have to go down in flames. There are steps you can take to better your situation, and one of them is to save money on your car insurance every month. Check out these four brilliant ways to save money with cheap car insurance:
1. Bargain shop! You never know if you are paying too much for car insurance until you take the time to compare premium prices. Have you been using the same car insurance provider since you inherited the beater your older brother used to drive, just because your parents used the same provider all your life? Perhaps it is time to re-evaluate your old habits and find a cheap, or at least cheaper, car insurance company. You can get comparative quotes on the Internet with the click of a mouse and there are plenty of cheap companies out there nowadays!
2. Reduce your coverage. Do you need comprehensive car insurance, or can you live with the bare minimums? Evaluate how much coverage you really need, especially if you are driving a vehicle that has seen better days. If the value of the car is low, then why would you bother to purchase total car insurance coverage for it? Just think of the savings you could see in your monthly premiums.
3. Increase your voluntary excess amount. After all, you will only use the insurance coverage if you make a claim. Obviously, this is a risk, and you have to take a guess as to when and if you will ever need to make a claim. If you are a safe driver, and if your driving distances are short, you may be justified in maximizing your excess. Even if you are at a higher risk of making a claim, you could still increase your excess and set aside the premium discount. Put that money in a savings account and keep it there. Once you have the funds set aside, the rest of the premium discount is pure profit.
4. Stay out of accidents and obey traffic laws. This should go without saying, but people rarely estimate the cost of a collision, a ticket, or a hike in insurance premiums when they make split-second decisions on the road. And yet, these decisions have consequences that can hit your bottom line. Drive carefully and avoid unexpected costs associated with crashes and citations for traffic violations.
Yes, your budget is out of control. Take a deep breath. You can do this, one small step at a time. As you make little changes, your bills will become more manageable, encouraging you to take the next stecompanies is the first step toward your financial freedom.
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