How To Get Your Car Insurance Company Up To 10 Easy Steps - Part 2

In Part 1, we detail the first five strategies to reduce your car insurance. In part 2 we show you five seconds.

STEP 6 - Review, amend or repeal No errors & PIP (Personal Injury Protection)

No-Fault coverage, and is twofold - PIP - started out as a great idea. Their premiums were actually going to be low. Then the politicians of the state is involved (at the request of lobbyists for insurance, of course) and messed it up.

You see, no fault insurance was originally to be loss of every individual, that you belong to your own auto insurance company - no matter who was at fault.

Today, in many states, car insurance companies make a lot of money in any fault, because the insurance companies convinced state lawmakers to make "modifications."

Today, due to the changes that these auto insurance companies have effectively used the no-fault laws to reduce payments on a claim made by a client, instead of reducing automobile insurance premiums, as he had to do.

Thus, insurance premiums continue to rise and and insurers pay fewer claims - Someone is getting rich that much .... and not you.

And to make matters worse, some states (with insurance lobbyists really, really talented) also require an additional premium to be paid on top of no-fault premium. This beauty is called a protection against personal injury (PIP).

PIP is a "coverage" of coverage and may provide collision coverage, hospitalization, disability, social security, workers compensation, disability insurance and personal life insurance.

The problem with the PIP is and what it covers ....

You have already given most if not all, of these coverage anyway, do not you? So you pay twice!

So you have to do two things:

"The minimum required car insurance" into Google to see if no-fault insurance and / or PIP is required in your state;

Next, review your contract. If not required by the state to have No-Fault/PIP is your policy coverage and - to cancel. No-Fault/PIP if required by your state .... have an absolute minimum. Here's how.

If you must have No-Fault/PIP, applying for and obtaining a franchise for your car insurance company.

STEP 7 - Cancel medical coverage.

Compensation, auto insurance is a promise to pay "reasonable" medical expenses for all those who should be horse of a car involved in an accident ... as well as anyone in the car if it is to suffer for someone else.

Cancel it. You do not need it.

Why do you say? Thus, medical coverage in your auto insurance is a duplicate of your own:

- Medical Services Plan - a life insurance coverage you may have, and - Articles on Responsibility of nearly all auto insurance policies written in the U.S.

Think of it this way .... Do you have a health plan / medical / hospitalization due to a work or an association you belong?

So why are you paying premiums for coverage / medical hospitalization on your car insurance?

This is what happens when they say the auto insurance company or agent who "does not want the hospital / medical coverage." You hear very soft "scare tactics" to help you change your mind.

The employee of the insurance company say, "Well, if you have an accident, your fault, which will cover the medical expenses of injured passengers in his car?"

Here's your answer. Your family is already covered by your health care / hospitalization plan. If someone else is in the car and are injured - they are covered by your liability insurance bodily injury that you already pay for .... and their own health care / hospitalization plan.

So go ahead - to save some money and get rid of that coverage.

STEP 8 - Cancel death, mutilation and loss of vision.

Do you have one of these coverage on your car insurance now? If so - for cancellation.

And if this is your first time buyers of car insurance, or simply trying to get several auto insurance quotes, do not let anyone talk about them!

Why?

Because these covers are a waste of money. Most of this coverage option are simply "glorified" life insurance policies with the provisions of the ridiculous and expensive premiums horribly. If you need life insurance in a separate insurance policy.

Step 9 - Cancel Extras

Has "Roadside Assistance" or "Car Rental Reimbursement" in your policy and if so, cancel them.

And again, if you are a first time buyer to get some insurance or auto insurance rates, do not bother with this coverage.

Why? Because they are highly overvalued, are rarely used, and limit what can and can not do.

For example, some car rental reimbursement "includes almost $ 100 per year for each vehicle on your policy, so if you have two cars, you will spend almost $ 2000 on the cover car hire in the next 10 years - . And probably never use it.

And roadside assistance? Piece-of-mind that may be offered under the feet car insurance commissions of this kind. Roadside Assistance is a good idea. But to use AAA cheapest solution.

Step 10 - Decide & Collision Comprehensive coverage on older cars.

If you have an old car - I mean one that is worth less than $ 2,000 wholesale (the sum of a car dealership would you give if you were in negotiation) may void the warranty with and collision or reject this option to get a quote for car insurance.

Here's why. If 8 years, cars and a brand new car is the same loss, the cost to repair both of which are exactly the same as well, although from about 8 years of self value, is next to nothing.

You can see the price of a bumper and wings are the same - whether for a new car, or one that is 8 years. This is why your premiums do not go down as the value of the car accident. Your payments will remain virtually the same, year after year.

However, the bottom falls out of what you'll be able to collect on this old car. For example, if your car is "reached," the insurance company will pay the wholesale value of your car.

So let's say your car is worth $ 1000, but the total damage is more than $ 4,000, the insurance company will give you a check for $ 1000 .... less your deductible, of course.

So you may end up to $ 500 back. Sounds like a lot of crappy .... but it is how it works.

So the basic rule is this - to cancel the model and collision coverage when the value of your vehicle is less than $ 2000 .... or you throwing away money.

Okay - you've jotted down some notes, and they are willing to make some changes to auto insurance. So pick up the phone and begin to reduce the cost!