Getting One Over On The Auto Insurance Companies!

Auto insurance companies are worse than hemorrhoids! Feel the same way? Then read on …

If you know how to play the game, you can actually save lots of money on your car insurance. How you ask? Well, by picking your coverage wisely, of course! It’s a well known fact that most states now require that you have at least general liability insurance to cover injuries and damage that your car has caused (while you were looking for a cell phone that you dropped on the passenger side floor, when drinking your very hot coffee). But beyond the bare bone necessities, there are a bunch of other additional types of coverage that you really do not need. You agree? Read on some more then …

One of the best ways to get a better price is to shop around (like everything else in life). Most people stay with the same insurance company their entire life (note: don’t be like these idiots. Sorry Mom. Oh yea … sorry Dad as well. I’m just trying to make a point here). This faithfulness to the disloyal will be a costly mistake unless your insurer gives you big customer, thank-you-for-your loyalty discounts. They don’t, you say? Well, you should start looking around if you want to lower your premiums (at least every once in a while).

Now to the brass tacks: consider the following to get some better rates from these overpriced monopolies:

Have an old car? You may want to consider dropping collision and comprehensive coverage on it then. The reason: you’ll probably pay as much in premiums over a few years as you’d pay to replace or repair the hunk of junk. To gauge your money pit’s current market value, look up used-car prices for your model at Kelley Blue Book (www.kbb.com). A good rule of thumb: if it’s less than $2,000, drop the coverage now.

Have an OK car? Then drop collision, and keep comprehensive! Insurance companies often only sell these two types of additional coverage together since it can be hard to determine exactly what caused damage to your car, but if you weren’t driving at the time why get suckered. BTW: I did say often and not always, however, so look around hard enough and you’ll find a company who will allow this (I did and do)!

Have your own health insurance? Well then, you also can shave a huge amount of money off your premium by dropping personal injury protection and medical payments coverage if your state doesn’t require you have it. Just make sure your passengers have some health insurance as well (if not, they’ll probably be covered anyway, but it’s a good idea to make sure)!

Live out in the boonies? People who commute to and from work in or near a major city will generally pay more for auto insurance than drivers who live in rural areas, have short commutes and primarily use their cars only on the weekends. Also, if you play up to stereotypes, your cheap pickup truck will be cheaper to insure than a car that is popular with thieves or has expensive repair costs when things go wrong. Note: keep that low-profile truck (mud bogging is fun).

The insurance industry is such a racket! They get to raise their rates at the drop of a hat, without even having to tell their customers that they are doing it. How do they get away with this unfair practice, you ask? Well, the simple answer is that they have their hands so far up enough senators’ asses, that there’s not much the common man can do about their damn rate hikes. What can you do about this greed and corruption, you ask? Screw them before they get a chance to screw you, that’s what! Start looking for cheaper rates right now … today I mean … not tomorrow!

Final note: don’t drive like an idiot: slow down and drive carefully and be respectful of others on the road. Don’t know how to do this? Well, good luck with those tickets and accidents then, jerk off!