Life if full of ethical dilemmas, and many of the decisions we make in life contradict themselves. I’ve realised as I’ve got older, not to be worried about these contradictions. It would be lovely to live a totally consistent life, but I’ve met very few people who manage to attain these dizzy heights.
You can be prepared for this kind of situation by protecting yourself and your assets in a crash by simply increasing the limit on bodily injury coverage and liability insurance. So instead of taking that basic $40,000 limit, go for $100,000 per person and $300,000 per accident instead. Surprisingly the cost difference of the insurance policy isn’t that big but the savings down the road in the event of an accident can be great.
Convenience Purchases. I thought I was rather thrifty, but a quick look at my bank account showed I was swiping my card numerous times a day for small “convenience” purchases. I stopped almost every morning at the local gas station for my morning coffee, granola bar, water, and pack of gum. The result was outrageous! Add it up for the the month and it’s even more obscene! Throughout the day, I would remember, for example, that I was almost out of toilet paper and stop at Walgreens ($$) instead of making a more economical (even if more annoying) stop at Wal-Mart later.
Deductibles: If you have a $100 deductible that means your not getting a discount. If you raise your deductible to $500 you can save up to 10% and if you can afford $1,000 deductible that can save you up to 25%. If you can’t afford that now you can soon and here’s how. First thing you do is open a bank savings account and start making monthly payments to yourself until you get to the deductible limit. The next thing you do is leave it alone and never touch it until needed. Over time the interest will grow and you will have an emergency fund for those rainy days.
There are things you could do to lower your premium rate. After buying your car you could install you anti theft protection. For example, a modern alarm system can be used for security. Y doing things you can reduce your premium and also protect your car.
Today there are services that sell quality Asuransi Mobil leads. These leads are made up of people who have actively searched out insurance quotes on the internet. When you buy leads like these, you are buying leads that will convert to sales. This is by far the easiest way to make much needed sales. The best part is, you can buy as many leads as you want, so you can always have a pile of fresh leads on the desk.
Which is better, a low deductible or a high deductible? Many people believe a low deductible will make it easier to get damage repaired without a large out-of-pocket expense, but you will pay significantly higher premiums for a low deductible. It makes more sense to opt for a higher deductible and bank the premium difference to cover the deductible in the event of an accident.
So seriously consider increasing your deductible, especially if you drive an older car. It all depends on how much your older car is worth. If the value of your car is low, Why pay a high premium every month to insure against a collision that you may not want to repair? Also consider dumping some of the other coverages you may never use, like medical (if you have other medical insurance) or roadside assistance (if your credit card already gives you coverage).