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Helpful Tips for Keeping Your Insurance Rates Affordable

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You’ve worked to accumulate the assets that you have and the financial security that you’ve achieved and to properly protect them, you should have an adequate car insurance plan.  If you’re like most car owners, this asset is one of the most expensive purchases that you’ll make second only to your home and sufficiently protecting it is a wise decision that may take some calculating to arrive at the right plan for you.  Let’s look at some tips for keeping the cost of your insurance down yet maintaining a valuable level of protection for your financial security.

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Using an online car calculator will help you to insure your vehicle correctly

  1. 1.       Use theft devices to help lower your insurance rates. If you’re purchasing a new car, chances are that it will come with anti-theft protection which can help reduce your insurance premiums.  You can also purchase devices that affix to the steering column to prevent someone from stealing your vehicle.  You should ask your insurance specialist about the discounts that are provided when you take some precautionary measures on your own.
  2. 2.       Does the insurance specialist offer discounts for multiple car policies?  If both you and your spouse have cars that assist you in getting to and from work, you should ask about the discounts that are available when you insure more than one vehicle.  Insuring another car on the same policy may not be as costly as you think and can possible lower the cost for insurance per vehicle when you calculate it that way.
  3. 3.       Purchase yearly policies to extend your savings.  If you buy an insurance plan that provides you with cover for a year, the policy premiums won’t change and you can more effectively budget for this added expense to your car ownership.  Should you elect to buy a six-month plan, your policy can change and impact the budget that you have set for your car’s protection plan.
  4. 4.       Inquire about group discounts.  You may be a member of an elite organisation that provides this insurance break for its members; checking with your club president about the benefits of membership is an excellent way to afford more insurance cover for a smaller premium.
  5. 5.       Can you combine your car and home insurance cover for a discounted premium?  Many outstanding companies will furnish you with a discount if you bundle your insurance coverage to include car, home, and/or renter’s insurance all with the same policy.  It’s financially sound to pursue every avenue of cost-effective cover that is available to you.

When looking to purchase insurance for your car, you should find a company that provides you with an online car calculator so that when it’s convenient for you, you can figure the amount of cover that you need for the car, home, and apartment that you have.  By working with a team of professionals, you can use their expertise to guide you so that you’ll have the right policy to protect your assets and investments.

 

Keyword: car calculator

Image courtesy of: Stuart Miles FreeDigitalPhotos.net

URL: http://www.santam.co.za/manage-your-risk/personal-risk/car/calculator

Source URL: http://personalinsure.about.com/cs/vehicleratings/a/blautosavings.htm

 

 

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