Really Cheap Car Insurance
by: Steve Gillman
There are the usual tips for getting really cheap car insurance. You may need to be reminded of these. Then there are the secrets that you haven't heard about. You'll find a few of those here too.
1. Shop around. Call several companies for quotes, starting with those that advertise the lowest prices. be sure to include at least one independent agent, since they can check many companies for you. Use the tips here to make a list of questions to ask them.
2. Raise your deductible to lower your rates. If you really can't afford the first $500 of an accident, you should rearrange your financial life. After all, you're going to find away to afford more than that over time, on higher premiums.
3. Consider dropping collision. Why pay for it if the car is worth $1000? All you'll get is $1000. The rule is: drop the collision if you can afford the loss. You can't drop it if you owe on the car. However, if the car is worth only a couple thousand and you still owe a little on it, get a personal loan to pay off the car loan, drop the collision coverage, and the savings on the insurance may almost make the payments.
4. Round down your distance to work. You are charged more if you drive farther to work, so be sure to give the shortest distance on the application. Fifteen miles is a common cut-off, at which point you start to pay more.
5. Demand the legal minimums. Do this if you have no assets. Most companies will try to sell you their "company-recommended minimums" on liability, but you may not need that much coverage. Remember, if you are broke, you are not an attractive target for a lawsuit.
6. Get any discounts you are eligible for. Ask about any "safe driver" non-smoker" or other special discounts.
7. Home and auto discounts. See if there is a discount if you insure car and home with the same company. This can often save you a lot.
8. Pay for 6 months at a time. Don't take the easy monthly payment option. They always charge you more for that. Learn to budget and you not only get really cheap car insurance, but everything else is cheaper too.
9. Review your policy. Have your policy reviewed and get new quotes every year or so. If the speeding ticket you had is now past the three year mark (or whatever the company thinks is important) they won't automatically drop the rate, so ask.
10. Consider the insurance costs when buying a car. Sports cars and others are charged higher rates. This isn't a one time charge. You'll pay more for as long as you own the car.
11. Keep policy current. I went without a car for a while, and let the policy lapse because I didn't need it, and there wasn't enough time left on it to request a refund. When I bought a car again, the cost for a six-month liability policy went from $167 to $400 because of my lapsed policy. Keep the policy active if you will be buying again soon, or cancel it, but don't let it lapse.
12. Get paid for diminished value. If you have an accident, be sure the insurance pays what it should. "Diminished value" is often not paid unless you push the point, even though a car loses value from being in a wreck, even after it is repaired.
13. Remove kids from policy. If the kids are at a college that's more than 100 miles away, you can have them taken off the insurance policy and save a lot of money. You can't let them drive the car when they come home to visit though.
14. Get older. Rates drop, especially after 25 years old, so get new quotes now and then as you get older. They may not adjust your rate automatically. Old safe drivers can get really cheap car insurance.
About The Author
Steve Gillman has been hunting down obscure knowledge and useful secrets for years. Learn more and get a free gift at:
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Cheap Insurance - Ten Tips
Cheap Insurance - Ten Tips
by: Steve Gillman
Cheap insurance? Auto insurance, life insurance, health insurance, liability insurance - whatever type of insurance you need, you can buy it for less. Try the following:
1. Raise you deductible. Why have a $100 deductible if a $1000 deductible won't break you? It may hurt to pay the first thousand someday, but what if meanwhile you saved several thousand? High deductibles mean lower rates. Of course, get quotes with various deductibles, to be sure you're saving enough for the higher risk.
2. Lower your coverage. Insurance agents secretly admit that people usually get sued according to policy limits. You'll be sued for more if your limit is a million than if it's a hundred thousand. A judgement beyond the policy limits is a scary thought, but this can happen no matter what your limits are. If you don't have many assets or much money in the bank, consider lowering your coverage to save money....
Cheap Insurance - Ten Tips
Cheap airfare > Cheap Insurance - Ten Tips
Cheap International Airfare
Cheap International Airfare
by: Steve Gillman
Always looking for the cheapest way to do things, I searched several websites that claimed to have cheap international airfare. The cheapest from Traverse City, Michigan to Quito, Ecuador, was $1720. Out of curiosity, I checked Miami to Quito, and it was only $404. Airfare from Traverse City to Miami was $299. Book two separate flights and I could save more than $1000! The discount sites aren't set up to check in this way, so you have to do this on your own.
Of course, if your first flight is late and you miss the second, you may not get a refund, so plan some time between flights. In any case, it's still cheaper (every time I checked) to just book a flight to Miami and catch a flight to Quito without a reservation, thus avoiding this problem. This strategy is for those in towns without international airports. If you live in Miami, you already have cheap international airfare.
Buy Cheap Aifare...
Cheap International Airfare
Cheap airfare > Cheap International Airfare
Tracking Down Cheap Debt Consolidation Loans
Tracking Down Cheap Debt Consolidation Loans
by: John Mussi
In the modern world of expensive living and high interest rates, it might seem nearly impossible to find cheap debt consolidation loans. If you're one of the people who desperately need one of these loans then there's a good chance that you have less-than-wonderful credit? meaning that you've probably already accepted the seemingly-inevitable fate of paying high interest rates for any loan that you get.
There are cheap debt consolidation loans available, though, even if your credit is poor; you just have to know where to look, and what to offer in exchange.
Finding the right lenders
The first thing that you need to do when looking for cheap debt consolidation loans is find potential lenders. Internet searches can yield a variety of different ?debt consolidation? specialists who will be able to offer loans at very reasonable rates.
Of course, to get these cheap debt...
Tracking Down Cheap Debt Consolidation Loans
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Cheap Backpacks
Cheap Backpacks
by: Steve Gillman
Cheap backpacks can be made, but I don't recommend it. Unless you are extremely skilled at sewing, it isn't likely to come out like you want. Also, even if you are an expert, it will probably take less of your time to pick up an extra day at work and buy a pack with the earnings.
On the other hand, if you have an old backpack frame, you can make a cheap backpack with it. Remove the old pack, and tie a plain nylon duffel bag to it firmly, with the zipper facing out. Small bungee cords will work for attaching it too. I did this using an old aluminum frame that still had straps and a waist belt, and for the cost of a $15 duffel bag, I had an external-frame backpack that not only held a lot, but weighed just two pounds.
Buying Cheap Backpacks
There are several ways to buy cheap backpacks. The most obvious is to just wait for a good sale. A quicker way is to shop for a used pack online. Try
Cheap Backpacks
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Airfare for the Wayfarer
Airfare for the Wayfarer
by: Frederic Madore
Have you checked the price of airfare lately?
Are you like myself, and quite afraid to contemplate that you?re going to spend that inheritance from Aunt Tilley on a flight to LA?
For the general public, air travel is still an occasional event, and airfare is still comparable to a surprise attack of influenza.
We all will agree that air travel is much nicer than the open road (and faster), when you?re in a hurry and in a compact car.
Airfare, however, is not the pleasant experience that air travel is.
Airfare, once you?re past the sticker shock, is a confusing subject.
The prospective traveler can go online, and check for cheap, discounted airfare, on several websites that are independent of any airline sponsorship.
What you will find is a confusing list of possible flights, possible fares, and a message that alerts you to hurry to book...
Cheap airfare > Airfare for the Wayfarer
Cheap Loans ? For The Borrowers Fixated On Low Cost
Cheap Loans ? For The Borrowers Fixated On Low Cost
by: Amanda Thompson
Finance market is at peak reaching for new heights. Increasing number of lenders in the finance market has opened a new dimension for the borrowers to take advantage of borrowing money at competitive interest rates. Each lender wants to grab more and more number of borrowers and thus offer infinite number of loan options and that too at cheaper rates. Cheap loans are the latest addition in the loan category that offers cheap and easy loans to the borrowers.
The word ?cheap loan? is defined differently by different people. For some a cheap loan can either be a loan with the lowest monthly repayments for a sum of money, or to another a loan which has the lowest amount of interest repayable in total. A cheap loan can be in the form of cheap personal loan, cheap secured loan, cheap unsecured loan and the list is endless.
The usage of cheap loan is not confined to middle...
Cheap Loans ? For The Borrowers Fixated On Low Cost
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Really Cheap Car Insurance Cheap airfare
Really Cheap Car Insurance debt consolidation
Cheap airfare
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