How do you spend on groceries each month? Gas? Mobile phones? Car insurance? I recently made a list of my monthly expenses in preparation for a meeting with my financial advisor. How my list looked after completing this task not so fun? Like most people, my home mortgage was at the top. Food and gas were also right up there. However, I was surprised to see car insurance down, below cell phones and the internet!
Interesting, no? For something that has a reputation for being expensive, is really relative to your other living expenses? Consider this, according CarInsurance.com, the average person will spend about $ 94,000 on car insurance during their lives. How it compares to your iPhone or a daily stop at Starbucks? You might be surprised ...
- The use of a 32GB iPhone from 21 to 75 years, buying a new phone every six years, you run $ 72,000. Compulsive valuation and heavy data users should pay more. *
- Hitting Starbucks each morning for a $ 4 latte will cost $ 88,000 over 60 years. Make your coffee at home will almost cover the cost of your car insurance for life. *
Most people can not "live" without their cell phone or the daily dose of caffeine. I hope the same is true for car insurance. The recession has made us all a little savvier with our money, but does not compromise on the cover to save a little money. If you shop or plan to buy online, get a quote from a qualified professional in the business. A trusted agent choice is a good place to start
Here are some ways to save money on car insurance :!
- Going paperless and pay online (and on time) could earn you a higher quality credit.
- Porter higher deductibles on comprehensive and collision coverage could save you money.
- Finish driver training or an accident prevention course can be a great way to learn safer driving habits and save money.
- many carriers offer a discount to young drivers who earn good grades.
- Vehicles with Anti-Theft and retained liabilities options can reduce your premium.
Remember, the reductions vary by insurance company to contact an independent agent today to learn more about discounts available to you. For more information on insurance discount, you can check another of our blogs, insurance discounts with no coupon required.
So what do you think? If you had to choose, would you give your vanilla latte every morning to the security and protection insurance?
* Vallet, Mark. "Your life auto insurance bill: $ 94,000" Www.carinsurance.com November 29, 2012.
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