Spending Smart: Drive auto insurance lower
The ideal way to save money is to exert effort once and automatically reap savings over and over again, every month. That’s why examining your car insurance makes a lot of sense.
Auto insurance prices vary widely. On average, car insurance cost Americans $789 per vehicle annually in 2008, the most recent year of data provided by the National Association of Insurance Commissioners.
But your costs could be far higher or lower because of the state you live in. For example, Florida, New Jersey and New York were among states where the average was more than $1,000 annually. North Dakota’s average expenditure was $503.
“In an age when people are cutting out cable television, it pays to look at car insurance,” said Des Toups, managing editor of CarInsurance.com.
Here are ways to save on car insurance.
COMPARE: If you think all auto insurance rates within a state are about the same, you’re wrong. Premiums can be very different for the exact same policies, depending on what factors an insurer chooses to emphasize in its rate formula.
“It’s a calculated bet,” Toups said. “The insurer asks, ‘What’s the least amount of risk we can take to make the most amount of money?’ That’s why the numbers are so different.”
For the youngest drivers, comparison shopping could save about $1,100 a year, according to a study by CarInsurance.com. You might think you get better service from higher-priced insurers, but there seems to be no correlation, according to a study by the Consumer Federation of America.
“Many people stick with the same insurance carrier year after year without ever shopping for a better deal,” Consumer Reports says in its guide to car insurance. “Blind loyalty to one insurer can cost you dearly.”
You can request quotes by phone or online. For online quotes, you might want to set up a separate, free email account at Hotmail, Gmail or Yahoo to receive them so they don’t litter your regular email inbox.
Lexus Cars Insurance - News
So, if your teenager will drive the Honda far more than the Lexus, make sure the teen is listed as primary driver of the cheaper vehicle, Toups said. DEDUCTIBLES: A deductible is the part of the bill you pay out-of-pocket before insurance kicks in.
TFS is the finance and insurance brand for Toyota in the United States, offering retail auto financing and leasing through Toyota Motor Credit Corporation (TMCC) and extended service contracts through Toyota Motor Insurance Services (TMIS). Lexus
So, if your teenager will drive the Honda far more than the Lexus, make sure the teen is listed as primary driver of the cheaper vehicle, Toups said. Deductibles. A deductible is the part of the bill you pay out-of-pocket before insurance kicks in.
If you were to look across a packed parking lot, which cars might you think a thief would be interested in? How about a nice, new Jeep Grand Cherokee? How about a shiny new Lexus GS? According to new information released by the National Insurance Crime
The charges would be covered if you have roadside assistance through your car insurance, or membership in a roadside-assistance program, such as AAA. In addition, some car makers, such as Lexus and Acura, provide emergency roadside assistance as part
Lexus IS 350C by VIP Auto ... - Motorcycle Auto and Cars Insurance
Among the few cars Lexus prepares for the event is the IS 350 C by VIP Auto Salon, which received a Chameleon custom painting and ceramic film, which is the first feature and more obvious that attracts attention. After the daze, it may be noticed the subtle body kit, consisting of next diffuser, rear, Front lip Spoiler, the eye lines diffusers and rear trunk spoiler.