Web Programmers Magazine COVER Page
YOU Can Advertise
In This Magazine
How To Slash Your Car Insurance Costs Up To 54% In 10 Easy Steps - Part 1
How much do you pay for Car Insurance every year?
Eight hundred dollars a year? One thousand? Two thousand?
Whatever the amount you're paying now, you can slash that amount by more than 50% by simply following a few simple strategies.
Can you cut your car insurance costs by investing only 30 seconds of your time? No, that can't be done.
But if you're willing to spend 30 minutes today, this week, or next, I'll show you how to save up to $6,000 on your Car Insurance over the next 10 years.
Okay, here we go. Grab your Car Insurance declarations page (the page in your policy that details all the coverage’s you're paying for) and follow along. Make sure you take some notes. If you don't have your policy, or can't find it, call your car insurance company and get one - they'll send it to you pronto.
STRATEGY 1 - Make sure you're getting all applicable discounts for your vehicles safety features, such as:
- Front, Side or Head Curtain Air Bags;
- Automatic Seat Belts;
- Anti-Theft Alarms or Tracking;
- ABS or Traction Control....and many more.
Think about the safety features you have....and write them down.
STRATEGY 2 - Review & Change Deductibles For Comp & Collision.
Most Car Insurance Policies have two deductibles - one for "collision" (you hit someone or someone hits you) and one for "Comprehensive" (all other damage or loss).
For both of these, have at least a $500 deductible - preferably a $1000 deductible.
Here's why - If you are currently paying a $100 - $250 deductible, you'll save up to 40% per year on your monthly premiums by moving it to $500. That means if you're currently spending $1,000 a year on insurance, you're going to get to keep $400 every year. If you jump to a $1,000 deductible, you could keep almost $600 extra a year in your pocket.
I can hear some of you saying, "Wow, a $1,000 deductible. That's a lot of money." Yes, it is.
So is paying $1,000 a year with that $100 deductible....versus $400 a year with a $1,000 deductible.
The odds are in your favor - go with the $1,000 deductible.
STRATEGY 3 - Review & Change Property Damage Liability.
Have you ever seen a $100,000 mailbox? Car Insurance Companies must have. Here's why....
Property damage is not damage done to an automobile but rather "property" like a mailbox or a utility pole. So, why in the world would you need $100,000 dollars of coverage?
In most cases, almost 100% of all property damage claims can be taken care of with only $50,000 of coverage. So take a look at your policy to find out what you're currently paying for. And if you have little or no Net Worth, drop your coverage even lower - to $25,000 or your States minimum. You can find your States minimum by doing a Google search for "car insurance state minimums."
Here's what to look for on your policy - Many will have your liability coverage's listed like so - 50/100/100 - The first two numbers refer to bodily injury liability coverage. The 1st number is the dollar figure covered per person. The 2nd is the dollar figure per accident.
The 3rd number is the "Property Damage Liability." That's what you need to change. What does yours say?
STRATEGY 4 - Review & Change Bodily Injury Liability.
Although Bodily Injury Liability Coverage is a must, almost all of us end-up overpaying for the coverage we need. This type of coverage specifically covers:
- Any and all occupants of an automobile, whether it's yours or someone else's;
- Any and all occupants of another vehicle;
- And Pedestrians
Your only goal with this type of coverage is to have just enough protection to protect what is yours....in other words, your assets. And in order to protect your assets, you need to figure out what your Net Worth is - here's a well known site for calculating your net worth - www.kiplinger.com/personalfinance/tools/networth.html?
A great way to slash your premiums is to have no more in bodily injury liability than what your net worth is. Here's a common example of the coverage most people have - If your net worth is only $20,000 and you have $100,000 in coverage, you're throwing money away.
And if you have little, or negative net worth, just get the required State minimums. You'll need this info to get the lowest car insurance rates. Again, you can get see your state minimums by Googling "car insurance state minimums."
Here's what to look for when trying to figure out how much coverage you have now. As I said earlier, most Policies today have your liability coverage's listed like so - 50/100/100 - The first two numbers (whatever they might be) refer to bodily injury liability coverage. In this example, there is $50,000 in coverage per person and $100,000 per accident.
What does your policy say? Are you paying more than your net worth? If so, change it.
STRATEGY 5 - Review & Change Uninsured/Underinsured Motorist Coverage.
The uninsured/underinsured motorist coverage is a fantastic deal for car insurance companies....and a lousy one for you. This premium alone can increase your auto insurance by a couple hundred dollars a year.
Most folks think that uninsured/underinsured coverage is there to get your car repaired if it is hit by someone without insurance....or someone with lousy insurance.
Any damage done to your car is already covered - by the premium you're already paying for collision.
First things first....check your policy if your paying for uninsured/underinsured coverage now. If you are, Google "uninsured motorist state requirements" to see if your State requires it.
If it's not required by your State, cancel it.
If the State you live in does require uninsured/underinsured coverage, make sure you have the absolute minimum required. These minimums are not advertised, change every couple of years and are very difficult to find. So, here's how you handle this.
Do a Google search for your State Department of Insurance, go to the "Contact Us" page, find a phone number, then call and ask what the minimums are.
Don't try looking for it. Finding the minimums listed is almost impossible on most State Web Sites - they've buried it so deep you'll never find it. Just call your State Department of Insurance.
I know it's a bit of a hassle to get the info yourself. Yet relying on the Insurance Companies to give you the correct information isn't very wise.
Next – Part 2 of “How To Slash Your Car Insurance Costs Up To 54% In 10 Easy Steps”
Web Programmers Magazine
FULL PAGE ADVERTISERS
00-P.L. CARTER-MAKE MONEY MAGAZINE.pdf
11-Dalton 10 2019.pdf
99-DALTON-WANTED POSTCARD MAILERS.pdf
99-Monique's Mail (2).pdf
mail order report.pdf
WANT TO PURCHASE
MINERALS AND OTHER
Send details to:
P.O. Box 13557
Denver, CO 80201
Current Issue of 08/04/2020
Want to serve a really good cup of coffee?
Most People Do.
LOVE, LAUGHS & A WHOLE LOTTA COFFEE
VISIT MY WEBSITE
YOU WILL BE GLAD YOU DID
Interested in switching your merchant
account or setting up a new account.
Visit NOW! Mention ID # 16425
SILVER EAGLE PRO
Over $10,000 A Month-Plus
An endless supply of
valuable American silver & gold coins. Financial freedom at last!
OPPORTUNITY FOR BORROWERS FOR CAPITAL FUNDS
50,000 And Up.
Send Typewritten Letter Of Business,
How Loan Is To Be Repaid
And A LSASE To:
233-01 MENTONE AVE.
LAURELTON QUEENS, NY 11422
INFORMATION. Should I go into Nursing? Would it make a great career? Send 4 First Class Stamps. Receive Reports on Nursing, Saving on Orlando Vacation and Building Your Credit.
HAROLD BOSI #RA
PO BOX 35-188
ELMWOOD PARK, IL 60707
Make up to $10,000 Monthly
GIVING AWAY FREE PRESCRIPTION DISCOUNT CARDS
which save people up to 87% at over 54,000 pharmacies nationwide! For a complete information packet, send this ad and $1.00 to:
ALLIED CONSULTING, PO BOX 111124
AURORA, CO 80042
Attn: RxCut -SYM-1
Discover the POWER of our AUTOMATED system!
Earn $1,500 per week. No Calling, No Selling and No Convincing. 7 openings available for serious, ambitious people!
NEW! PAY-IT-FORWARD PROGRAM
FAST MOVING 2X2 MATRIX. $25, $50, $100, $200, $400, $,800, $1600 LEVELS OVER AND OVER AGAIN. SPILLOVER. GO TO:
The Opportunity to own more books than many Small Town Libraries!
40,000 + eBooks!
Bluetooth Innovations. BLE Proximity Marketing Beacons.
Where Marketing and Technology Meet! www.bluetoothinnovations.com/PD455.
Make huge profits selling NURSING CAREER "Learn & Earn" Reports!
FOUNTAIN OF YOUTH DISCOVERED!
Along With Ways To Make Money Fast!
Imagine living to be 100,
looking half your age, disease free.
No more sickness, doctors,
medicine, hospital bills.
Prevent colds, flu, diabetes,
cancers, high blood pressure
My report reveals the secrets.
Plus, a Free bonus report.
Send $5 to:
HC 66, BOX 361
SPENCERVILLE, OK 74760
JUNK MAIL WANTED!
Cash For Your Junk Mail. Make Up To $100 Daily From Your Unwanted Junk Mail. Complete Details For $2 & LSASE:
ALICIA BRIDDELL,9200 NW 39th. AVE.,#130-102,GNV, FL 32606
23 FAST FOOD RESTAURANT CARD
Comes With 100% No Expiration Date. Burger King, Denny's, Taco Bell, Popeye's, Wendy's, Boston Market, KFC, Pizza Hut, and more. Only $10.00 or 2 for $15.00. Buy 3 Get one FREE! Send Cash or Money Orders to:
BRUCE MCFAYDEN SALES
670 MADISON AVE.
DAYTONA BEACH, FL 32114
To Get One Million
To Send You $2.00
LEARN MY EASY METHOD!
Plus Receive Proof This Method Works.
Rush $2.00 & LSASE To:
PO Box 3503
Gardena, CA 90247
NOW!! Hit The "Jackpot"
With Our "Amazing-New" Program....
It's Greater Than Any Lottery...In The World!!!
Simply Visit US NOW AT:
Even More Information At:
It Pays To Be...."Different"...Make The "Difference" TODAY!!
FREE FULLER BRUSH-STANLEY CO.
Dealership, Website & Hosting.
Earn Money Working From Home.
Shop at: www.FullerDirect.com
ENTER Log in #1417663
EARN BIG MONEY
PART-TIME FROM HOME
FULL COLOR POSTCARDS.
FOR COMPLETE DETAILS.
REFERRED BY #9285