Steeles at Larrakeyah
November 25, 2016
Darwin City Bed and Breakfast is a long established B&B close to the centre of Darwin, capital of Australia’s Northern Territory. Comfortable and affordable accommodation with a personal touch, Darwin City Bed and Breakfast is your home away from home.
Formerly Steeles at Larrakeyah, Janette and Roger Steele decided on a name change, but the friendly welcome remains the same.
Get Cheap Car Insurance
December 13, 2016
Get Cheap Car Insurance
Most people nowadays drive some type of vehicle, meaning they need to have insurance coverage at all times. If you are looking for cheap car insurance for your vehicle but are unsure of how to get it, follow the steps below.
Always Shop Around
You would think this would be a no-brainer when it comes to looking for cheap car insurance. But the truth of the matter is that many people get sucked into a cheap car insurance commercial and are easily convinced that they have the best rates around. Don’t fall for it! Just because one company offers really low rates doesn’t mean that you can’t find one that is comparable or even cheaper. You don’t want to be fooled while you are watching a car insurance commercial, since they are designed to convince viewers that their company is the best. The best way to get cheap car insurance is to always shop around!
Discounts Can Help
Don’t be afraid to look for discounts when you shop for cheap car insurance. Many insurers offer a multitude of price breaks for customers when they bundle certain insurance policies together. For instance, bundle your car insurance with home or renters insurance to save money every month. You may also get a discount if you bundle your insurance with multiple vehicles, have a good, clean driving record with no past driving transgressions, agree to receive all of your documents online instead of by paper, are over a certain age, or own a vehicle that has anti-theft security features installed in it.
Additionally, many cheap car insurance companies offer discounts to people who pay their premium up-front instead of opting for monthly payments, or who are members of certain groups or affiliations. Since cheap car insurance discounts vary from state to state and by companies, do your research to find a company that can give them to you.
Factor in the Car you Buy
When you are on the hunt for a new car, you may already have factored in fuel and repair costs for the models you are looking at. But remember, insurance premiums can and will go up when you buy a new car, especially for certain makes and models. For example, a new sports car could cost significantly more to insure than an older family sedan. When you factor in these costs every month, your insurance could skyrocket. Be sure to take your time and consider your options before deciding on what model car to buy, as insurance costs could be a problem in the long run.
Collision and Comprehensive Are Not Always Necessary
When you are looking for car insurance, you may be able to get by without collision and comprehensive. Collision coverage will pay for any damage that occurs because on an accident involving another car or something inanimate, such as a telephone pole. Comprehensive coverage will cover damages caused by either weather, vandalism, animals or if your vehicle is stolen. However, both coverages only pay up to whatever the value of your car is, and you may have to pay a high deductible before being able to fix your vehicle.
If you are looking for car insurance on the cheap and you have an older model that is not owned by the bank, then you may be able to get by with just liability insurance coverage. This will significantly lower your bill per month.
Consider How Much Your Deductible Is
If your lender requires that you must have collision and comprehensive coverage because your vehicle is still bank-owned, you can still save money by actually raising your deductible. Studies have shown that those who raise their deductibles from $500 to $1,000 actually save at least $200 a year on their premiums. Just remember that you will pay more out-of-pocket if you are in an accident, but in the long run it will be worth it. This is a great way to get cheap car insurance if you are a safe driver, or if you do not drive much and are at a lower risk for accidents.
Remember, it can be easy to get inexpensive car insurance when you take the time to look around and comparison shop. Don’t settle for the first insurance plan that comes along, and don’t be pressured into purchasing a policy from an agent if you are not sure or comfortable with the plan.