Optional Auto Insurance

Optional Auto Insurance 

Some Auto insurance policies most drivers simply pay too much for
With a few small changes, you'll be on your way to cheaper Auto insurance.

You'll Find:

• Explanations that show you when you need voluntary policies and when you don't

• Help deciding where to set your deductible

• Importance of Auto insurance policy extras

Save on Collision and Comprehensive

The best way to save money on Auto & Car insurance is to keep a high deductible on both of these policies.

A low deductible may seem to be worth the comfort of never having to fork over $500 or $1000 for car repairs before your insurance kicks in. But it usually isn't.

Consider that raising your deductible by as little as $250 can buy you a couple hundred thousand dollars more worth of liability coverage. Which will make you feel more secure? Paying even $1500 for repairs beats paying 50 times that for someone else's hospital bills!

A lot of drivers are paying for these types of coverage when they really don't need to be. If you're driving an older car with a low resale value, the cost of comprehensive and collision coverage's for a couple of years may be costing you more than the car is worth!

For lower priced auto & car insurance, consider dropping these policies altogether, especially if you have a poor driving record that inflates your rates.

Collision and Comprehensive:

Collision and Comprehensive policies are not worthless, far from it. If you drive a new car, you need them. But you shouldn't carry them in place of reasonable levels of other types of coverage.

Save on Car Insurance Endorsements

Car insurance endorsements include coverage for towing, on-site labor, and rental car expenses. These are inexpensive car insurance policies, but they're not always necessary.

Weigh their benefits versus cost. You may be able to earn a lower premium by going without them.

Towing and labor insurance is popular but usually not very economical. We recommend going with an auto club for towing and labor protection instead.

The price is similar, and auto clubs provide a lot of other additional services for their members. Dealing with an auto club will also be a lot less hassle than filing a claim every time you use the service and wont cause your rates to go up.


Car rental insurance

May be a good deal, especially if you're a driver who really relies on their car. The cost is low and the convenience level high. If you have other forms of transportation available (another car, a car pool, public transport) you might want to pass. You'll get lower priced car insurance.

You may have bought an Auto Extended Warrantys / Service Contracts when you purchased your car,If you did you may be paying for the same type of coverage twice.

A good service contract will pay rental ( for mechanical break down) and towing.
Don't Pay twice for the same coverage's.

Up next: Even more ways to save on car insurance!

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