Credit Guides And Credit Services

In Part 1, we detailed the first five strategies on how to cut your car insurance costs. In Part 2, we show you the second five.

Credit Pacific Service Union STEP 6 - Review, Change or Cancel No Fault & PIP (Personal Injury Protection)

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Credit First Service Union No-Fault Coverage, and it's Twin - PIP - started out as great idea's. Your premiums were actually going to be lowered. Then, your State Politicians got involved (at the urging of Insurance Lobbyists, of course) and mucked it up.

Slash Your Auto Insurance Costs. Apr 22, 2008 Does your auto insurance costs going higher than you expectation If your answer is yes then simply follow 6 steps to slash your auto insurance costs. In the global world of insurance field every one wants to have good deal at slash price, here 6 easy ways to get the best possible auto insurance deal. 1. before going to purchase always make a practice to do comparison with the other options available in the market, use sources such as internet or call few brokers to compare quotes. Get different types of auto insurance quotes from insurance carriers, brokers and from agents, always look for secure and reputable insurance company who can pay good auto insurance claim.

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Card Credit Mobile Service You see, no-fault insurance coverage was originally intended to have each individual's losses, covered by their own car insurance company - no matter who was at fault.

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Card Credit Discover Service Today, in many States, car insurance companies are making a ton of money on no-fault because the insurance companies convinced State law-makers to make "modifications."

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Credit Public Service Union Today, because of the these changes, car insurance companies have actually used the no-fault laws to reduce payments on a claim made by a customer, instead of reducing car insurance premiums as it was supposed to do.

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Card Credit Processing Service So, premiums keep going up-and-up and insurance companies end up paying less for claims - Someone's getting rich on that deal....and it's not you.

Center Credit Service Union And to make matters worse, some States (with really, really talented Insurance Lobbyist's) also require an additional premium be paid on top of the no-fault premium. This beauty is called Personal Injury Protection (PIP).

Card Credit Service Wireless PIP is a "wide-blanket" of coverage and can provide Collision Coverage, Hospitalization, Social Security Disability, Workers Comp, Personal Disability Insurance & Life Insurance.

Credit Security Service Union The problem with PIP and what it covers is....

Credit Report Service You already gave most, if not all, of these coverage's anyway, don't you? So, you're paying twice!

Blogspot Com Christian So, you need to do a couple of things:

Christian Counseling Credit Google "minimum levels of required auto insurance" to see if No-Fault Insurance and/or PIP Is required in your State;

Credit Federal Service Union Then, check your policy. If it's not required by your State to have No-Fault/PIP Coverage and it's on your policy - cancel it. If No-Fault/PIP is required by your State....take the absolute minimum. Here's how.

Credit Monitoring Service If you must have No-Fault/PIP, ask for and get a deductible from your car insurance company.

Credit Division Service STEP 7 - Cancel Medical Coverage

Card Credit Online Service Medical Coverage, on most car insurance policies, is a promise to pay "reasonable" medical expenses for anyone who is riding in your car should you have an accident...as well as anyone in your car should it get hit by someone else.

Consumer Counseling Credit Inc Cancel it. You don't need it.

Card Credit Fleet Service Why is that you say? Well, medical coverage as part of your car insurance policy is a duplicate of your own:

Card Consolidation Credit - Medical Plan; - Any Life Insurance Coverage you might have, as well as; - The Liability Sections of almost every car insurance policy written in the U.S.

Credit Free Online Report Think of it this way....Do you have a Health/Medical/Hospitalization Plan thru work or an Association you belong to?

Credit Federal First Service Then why are you paying premiums for Medical/Hospitalization Coverage on your Car Insurance Policy?

Consumer Credit Service Here's what's going to happen when you tell the car insurance company or Agent that you "Don't want the Hospitalization/Medical Coverage." You're going to hear very slick "scare tactics" to help change your mind.

Center Credit Family Service The insurance company employee will say "Well, if you're in an accident, and it's your fault, who's going to cover the medical bills for any injured passengers in your car?"

Credit Reporting Service Here's your answer. Your family is already covered by your Health/Hospitalization Plan. If anybody else is in the car and they're injured - they're covered by your Bodily Injury Liability coverage that you're already paying for....and their own Health/Hospitalization Plan.

Cca Credit Division Service So go ahead - save some more money and get rid of this coverage.

Credit Free Report Service STEP 8 - Cancel Death, Dismemberment & Loss of Sight

Card Credit Customer Discover Do you have any of these coverage's on your existing car insurance policy? If so - cancel them.

Credit Repair Report Service And if you're a first time car insurance buyer or, just looking at getting several car insurance quotes, don't let anyone talk you into them!

Credit Legal Repair Service Why?

Cic Credit Monitoring Service Because, these coverage's are an absolute waste of money. Most of these optional coverage's are simply "glorified" life insurance policies with ridiculous provisions and horribly overpriced premiums. If you need life insurance, make it a separate Insurance Policy.

Ccs Credit Division Service STEP 9 - Cancel The Extras

Credit Service Union Worker Do you have "Roadside Assistance" or "Rental Car Reimbursement" on your policy? If so, cancel them.

1st Credit Service Union And again, if you're a first time insurance buyer or getting a few car insurance quotes, don't bother with these coverage's.

Card Chase Credit Customer Why? Because they're severely overpriced, are rarely ever used, and limit what you can and cannot do.

Card Chase Credit Service For instance, some rental car reimbursement" coverage is almost $100 a year for each vehicle on your policy. So if you have two cars, you'll spend almost $2,000 on rental car coverage in the next 10 years - and likely never even use it.

Citi Credit Monitoring Service And roadside assistance? The piece-of-mind it offers gets trampled by the premiums the car insurance companies want for this coverage. Roadside assistance is a good idea. But use AAA for a cheaper solution.

Credit Plus Service Union STEP 10 - Terminate Comprehensive & Collision Coverage On Older Cars.

Credit Farm Service If you have an older car - by that I mean one that's worth less than $2,000 wholesale (the amount a car dealer would give you if you were trading it in) cancel any Comprehensive and Collision Coverage you have or decline that option when getting a car insurance quote.

1st Credit Federal Service Here's why. If an 8 year-old car and a brand new car have identical damage, the cost to repair both will be identical as well, even though the 8 year-old car is worth next-to-nothing.

Credit Paychex Service Tax You see the cost of a bumper and fender are the same - whether it's for a brand new car, or one that is 8 years-old. That's why your premiums don't go down as the value of the car goes down. Your payments remain almost the same, year-after-year-after-year.

Credit Service Tax But, the bottom drops-out of what you'll be able to collect on that older car. For instance, if your car is "totaled", your insurance company will only pay you the wholesale value of your car.

Aeon Credit Service So, let's say your car is worth $1,000, but the total damage is more than $4,000, the insurance company is only going to give you a check for $1,000....minus your deductible, of course.

Credit One Service Union So you might end up getting $500 back. Sounds like a lousy deal....but that's how it works.

Bad Cell Credit Phone Service So, the rule-of-thumb is this - cancel your comp & collision coverage when your vehicles value is less than $2,000....or you'll be throwing your money away.

Counseling Credit Debt Service Okay - you've jotted down some notes and are ready to make some changes to your car insurance policy. So pick up the phone and start slashing your premiums!

Card Credit Payment Service Tom O'Leary is an Automotive Portfolio Analyst based in Cincinnati, Ohio and Publisher of www.mynewcarpurchase.com, a consumer focused web site that assists with buying a new or used car, cheap car insurance quotes and finding low-cost car & truck financing.

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