Many people buy their own cars because it makes life easier. However, many also struggle with the costs that come with maintaining a car especially when it comes to making car insurance payments. Many car owners are continuously in search for better ways to lower their car insurance premiums. What most do is simply search for companies that provide cheap car insurance. However, what many do not know is that they can save so much more just by following a few simple tips.
For those who aim to save on car insurance payments, the first thing to do is make sure to shop around every so often. In fact, the reason why six-month car insurance polices are most preferred is that it allows car owners to switch and buy car insurance from other providers at the soonest possible time. This means that it is important to continuously survey the insurance market to search for the cheapest car insurance around. Some people find that it is most effective to check out rates for car insurance online while others learn about the cheapest services from their friends and family. No matter what your preferred method for getting car insurance quotes may be, the bottom line is to find the best car insurance to not only suit your lifestyle but your budget as well. Many people who make this a practice report savings of over $300 on policies valid for six months. This would translate to so much more in a span of one year.
Another thing to consider when trying lowering your car insurance payments is to take the option for higher deductibles. Many car owners feel afraid to do this because choosing higher deductibles means shelling out so much more money in case they get into a huge accident. However, the logic behind choosing higher deductibles is pretty sound. Obviously, higher deductibles mean lower premiums. Therefore, lower car insurance payments. Car owners should not worry too much about higher payments when a major accident happens because minor accidents happen more often than major ones and when it comes to minor damages, car owners will still pay the same amount.
Many motorists prefer paying for their premiums in monthly installments because it allows them to shell out a relatively smaller amount at a given time and budget their car insurance payments along with the rest of their monthly expenses. However, what they do not realize is that even the cheapest car insurance providers add on administrative fees for each payment. Even if the additional amount is only $7 or so, for people paying their premiums at monthly installments, this could easily add up to $84 which they could have saved over the period of that one year
Another useful tip to help you lower your car insurance payments is to also look around for companies providing multi-line insurance. This means that you purchase all your insurance from the same company. Most insurers offer huge discounts for this. However, many people still try to look for cheap providers for each type of insurance they need. What they do not realize is that getting their car insurance and home insurance from just one provider can easily translate to about 15% savings.
Furthermore, if you think of yourself as a good driver and no evidence to prove otherwise can be gathered, here’s a good tip for you: look for car insurance providers that can reward you with big discounts simply because of your driving. In fact, some states such as California have made it illegal for car insurance providers to disregard good driving discounts. So, if you have not gotten yourself into any car accidents or received tickets for at least the past three years, do some research or ask around. You may qualify for lower premiums.
Nowadays, a lot of insurance companies will base the prices of their car insurance policies on your credit history. If you have been diligent in building a solid credit standing, then you stand a good chance on getting lower car insurance quotes when you buy car insurance. Aside from making sure unpaid bills don’t pile up, keep your credit balance as low as possible and don’t acquire more credit than you need. Keep your records updated and make sure to correct any errors so your credit history remains accurate.
Many car insurance companies also offer discounts to people whose cars have safety features. Airbags, seatbelts, anti-lock braking systems and other factory-installed safety features on your car may help you find the cheapest car insurance you can get. Make sure you tell your insurer that you have such features installed on your vehicle when you get car insurance quotes.
Sometimes it pays to be diligent to the point of being anal. If you want the cheapest car insurance you can get, you should review your car insurance coverage to check for unnecessary expenses in it. If you’re not thorough you may be spending on additional coverage that you don’t need or already have. A perfect example would be towing services. Most, if not all, auto clubs provide such services yet this is part of most car insurance policies as well. So before you buy car insurance review the car insurance quotes you’ve gotten and eliminate all the unneeded expenses.
If you’re looking for cheap car insurance, look for insurers that give discounts to students and senior citizens. Some car insurance companies will offer discounts for students with good academic records and for drivers over the age of 50. Ask around or research on car insurance online, as well, if you have a college student in your family. Some insurers give discounts to parents with college-age children who go to school a certain distance away from home and don’t bring a car to their campus.
One last great tip to lower you car insurance payments is to use your car less. There are a lot of car insurance companies that will give you discounts if you keep the annual mileage on your vehicle low. So, evaluate how you use your car. If you make frequent short trips around town you might consider planning ahead and organizing all your errands so you can check all of it off your list in as few trips as possible.
One thing to remember though is that car insurance companies may differ in what they consider to be low annual mileage, so do your research. If you think you might be able to lower your mileage then get updated car insurance quotes.
Following just a few of these recommendations will surely help you lower your car insurance payments. Remember, it is not always about finding the cheapest car insurance provider. Most of the time, it is simply about knowing your options and weighing them to find the perfect car insurance strategy for you.
By: Toyota USA Blog
How to save money on your next Toyota service
Toyota servicing is now much cheaper, for those in the know.
Thanks to European legislation, you no longer have to be tied to high Toyota service costs, dictated by your local dealer.
In October 2003 new European legislation affecting the motor industry came into force called “Block Exemption Regulation” 14002002 (BER), and this now means that you can book your next Toyota car service online and save up to 50% on what you might pay at your local Toyota dealer.
Before the law changed it was difficult to have new cars within their warranty period serviced outside a franchised dealer. If you wanted to shop around for the best prices on Toyota servicing, your hands were tied.
The change in the law now gives every car owner the freedom to service their car away from the main dealers, and still have their warranty protected.
Thousands of Toyota car owners have now taken advantage of their new right and reduced their Toyota serving costs, whilst benefiting from the convenience of booking with national car service providers such as Service A Car.
Service A Car is a leading online car servicing network that prides itself on the quality of its Toyota servicing, their customer service and transparent pricing. Because the company is not tied to any particular car manufacturer, they are able to service any make of vehicle and compete freely in the market, on a like-for-like.
Every vehicle is rigorously serviced according to the manufacturer’s servicing schedule, using genuine recommended parts fitted by qualified technicians. This means that every Toyota car service fulfils the warranty criteria and there is no compromise on the servicing standards of a main dealer.
Companies like Service A Car, who fulfil the warranty criteria when servicing your Toyota, are able to maintain your service book, just as main dealer can – thereby protecting your warranty and helping you to maximise the resale value of your Toyota car.
Of course, booking direct with a national car servicing network has its own advantages:
· You no longer have to do all the running around. Service A Car collects your Toyota in the morning and delivers it back that afternoon, free of charge
· You pay a fixed Toyota service price, which can be up to 50% below the price at the Toyota servicing desk of your local dealer
· No additional work is carried out without your agreement, which means no nasty surprises when it comes to paying the bill
· Trained Customer Advisers are on hand throughout the day to keep you informed of progress, and report back on problems you asked to be investigated as part of your Toyota service e.g. knocks and rattles
· Your Toyota service includes a free wash and vacuum clean
· You simply pay with your credit or debit card and your car is delivered back to your home or work address.
Our advice for saving money on Toyota car servicing is to contact a national car servicing network, who is not tied to any one particular car manufacturer, like Service A Car.
So, before you book your next Toyota service, why not ask your local dealer to tell you the cost of the service (plus parts, oil and any extras) and then compare it with a fixed price quote from a national servicing network, like Service A Car?
Chairman Service A Car