Do you ever jump for joy when you get your insurance bill? Neither do I. In fact, if you did, you'd be a prime candidate for the mental hospital. Insurance is one of those things that you've got to pay for, but you hope you never use. And when it comes to saving money on your bill, you can't really just pick the cheapest without thinking. It's not exactly a pair of shoes or a cheap pair of sunglasses that you pick up after a night of heavy drinking.
Of course, you can't just call up your agent and tell him to lop off fifty percent of the bill. It's not like you can predict the future. Insurance is there for a reason. To protect you against calamity and financial ruin. To shop for insurance like you'd shop for a cheap bag of fast food when you've got the munchies is just not the right way to do things. You need to take concrete action that will lower your premiums without lowering the quality of your coverage. In this article, you'll learn to do exactly that.
Buying stuff like this is difficult. Most people don't enjoy talking about this, much less buying it. That's why we usually just nod our heads and sign where they tell us to. But if we do that, we may as well give the agents our ATM cards and PIN numbers. The love people who don't question the product, and just sign on the dotted line. The first step of saving money is to understand what you are buying. That way, you can't be sold something that you don't really need.
One thing you can do is get discounts. These are special lower prices for certain people that fall into "safe" categories. Good students are one example. As a whole, students that get As and Bs are much less likely to drive their cars off the pier than students who never show up for class. So if your grades are average, do some studying. It could save you a lot of money. It also might brighten your future, but that is beyond the scope of this article.
Of course, the safer you drive, the less you'll pay. One ticket can send your bill through the roof, so think about that every time you're tempted to speed, or run a red light. Sure, you might be late to a party or a date, but is it worth risking an extra five hundred dollars a month, on top of the cost of the ticket? Take your time, go slow, and you'll save a ton of cash.
Of course, like any other thing that's bought and sold, you can negotiate. Nothing is stopping you from looking your agent in the eye and saying, "That's a bit high. Can you do any better?" What are they going to do, call the cops? Laugh you out of the office? They'll be sweating in their shoes thinking they might lose a big commission, that's what. And they'll likely give you a cheaper rate. You never know if you don't ask. It's easier than you think to save money.
Of course, you can't just call up your agent and tell him to lop off fifty percent of the bill. It's not like you can predict the future. Insurance is there for a reason. To protect you against calamity and financial ruin. To shop for insurance like you'd shop for a cheap bag of fast food when you've got the munchies is just not the right way to do things. You need to take concrete action that will lower your premiums without lowering the quality of your coverage. In this article, you'll learn to do exactly that.
Buying stuff like this is difficult. Most people don't enjoy talking about this, much less buying it. That's why we usually just nod our heads and sign where they tell us to. But if we do that, we may as well give the agents our ATM cards and PIN numbers. The love people who don't question the product, and just sign on the dotted line. The first step of saving money is to understand what you are buying. That way, you can't be sold something that you don't really need.
One thing you can do is get discounts. These are special lower prices for certain people that fall into "safe" categories. Good students are one example. As a whole, students that get As and Bs are much less likely to drive their cars off the pier than students who never show up for class. So if your grades are average, do some studying. It could save you a lot of money. It also might brighten your future, but that is beyond the scope of this article.
Of course, the safer you drive, the less you'll pay. One ticket can send your bill through the roof, so think about that every time you're tempted to speed, or run a red light. Sure, you might be late to a party or a date, but is it worth risking an extra five hundred dollars a month, on top of the cost of the ticket? Take your time, go slow, and you'll save a ton of cash.
Of course, like any other thing that's bought and sold, you can negotiate. Nothing is stopping you from looking your agent in the eye and saying, "That's a bit high. Can you do any better?" What are they going to do, call the cops? Laugh you out of the office? They'll be sweating in their shoes thinking they might lose a big commission, that's what. And they'll likely give you a cheaper rate. You never know if you don't ask. It's easier than you think to save money.
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