Comments on: Cutting Expenses Part #2: Automobile http://www.bloggingawaydebt.com/2007/02/cutting-expenses-part-2-automobile/ Our Journey to a Debt-Free Life Mon, 13 Feb 2012 00:10:21 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Sheryl O. Moser http://www.bloggingawaydebt.com/2007/02/cutting-expenses-part-2-automobile/comment-page-1/#comment-928090 Sheryl O. Moser Fri, 20 Nov 2009 17:49:41 +0000 http://www.bloggingawaydebt.com/2007/02/cutting-expenses-part-2-automobile/#comment-928090 Well between you, I and the brick wall Lowest Priced Insurance is always the Best . However it does pay to shop around and get numerous quotes. Try <a href="http://hasslefreeinsurance.net" rel="nofollow">www.hasslefreeinsurance.net</a> for multiple quotes before you commit to an insurance policy. It most definiteley will save you 50% on your insurance premiums. Well between you, I and the brick wall Lowest Priced Insurance is always the Best . However it does pay to shop around and get numerous quotes. Try http://www.hasslefreeinsurance.net for multiple quotes before you commit to an insurance policy. It most definiteley will save you 50% on your insurance premiums.

]]> By: FlatGreg http://www.bloggingawaydebt.com/2007/02/cutting-expenses-part-2-automobile/comment-page-1/#comment-22224 FlatGreg Mon, 12 Feb 2007 07:54:45 +0000 http://www.bloggingawaydebt.com/2007/02/cutting-expenses-part-2-automobile/#comment-22224 I just switched my insurance over to esurance.com, and dropped my rate from #580 for 6 months to $330 for 6 months. They were far cheaper than anyone else I tried, but rates really do vary person to person. Definitely shop around! I just switched my insurance over to esurance.com, and dropped my rate from #580 for 6 months to $330 for 6 months. They were far cheaper than anyone else I tried, but rates really do vary person to person. Definitely shop around!

]]> By: Clever Dude http://www.bloggingawaydebt.com/2007/02/cutting-expenses-part-2-automobile/comment-page-1/#comment-19246 Clever Dude Fri, 09 Feb 2007 16:31:53 +0000 http://www.bloggingawaydebt.com/2007/02/cutting-expenses-part-2-automobile/#comment-19246 I envy you. We have 3 cars for 2 people. One is paid off, we're working on another (paying $15k off in 8 months) and the third is a new Honda Ridgeline. Being in the DC area (Maryland to be exact), we pay about $2300 per year on 3 cars. The paid off one is liability and comprehensive only. That's $190 per month I'm going to go through and detail what we're paying monthly and yearly on our cars and post it. I think I'll be quite surprised at the final number. I envy you. We have 3 cars for 2 people. One is paid off, we’re working on another (paying $15k off in 8 months) and the third is a new Honda Ridgeline. Being in the DC area (Maryland to be exact), we pay about $2300 per year on 3 cars. The paid off one is liability and comprehensive only. That’s $190 per month

I’m going to go through and detail what we’re paying monthly and yearly on our cars and post it. I think I’ll be quite surprised at the final number.

]]> By: Susan http://www.bloggingawaydebt.com/2007/02/cutting-expenses-part-2-automobile/comment-page-1/#comment-18750 Susan Fri, 09 Feb 2007 01:30:07 +0000 http://www.bloggingawaydebt.com/2007/02/cutting-expenses-part-2-automobile/#comment-18750 I was looking at our car insurance earlier this week, too, since our 19 year-old son is now driving. It's interesting - the biggest chunk of our bill is for liability protection. Raising our deductibles makes hardly any difference so we're keeping them at fairly low levels. However, one of our coverages was for Personal Injury Protection, $2,500 limit per person, at $82.36 for 6 months. I'm going to drop that coverage as we can "self-insure" for that amount. The Dollar Stretcher (www.stretcher.com) has a whole list of low-cost suggestions for keeping a car smelling fresh. I was looking at our car insurance earlier this week, too, since our 19 year-old son is now driving. It’s interesting – the biggest chunk of our bill is for liability protection. Raising our deductibles makes hardly any difference so we’re keeping them at fairly low levels. However, one of our coverages was for Personal Injury Protection, $2,500 limit per person, at $82.36 for 6 months. I’m going to drop that coverage as we can “self-insure” for that amount.
The Dollar Stretcher (www.stretcher.com) has a whole list of low-cost suggestions for keeping a car smelling fresh.

]]> By: Daisy http://www.bloggingawaydebt.com/2007/02/cutting-expenses-part-2-automobile/comment-page-1/#comment-18197 Daisy Thu, 08 Feb 2007 07:22:15 +0000 http://www.bloggingawaydebt.com/2007/02/cutting-expenses-part-2-automobile/#comment-18197 Another idea for lowering your rates: do you have all your insurance with the same company? I get an 18% discount on my car insurance just because I also have my homeowners (gets me 15% discount) and umbrella policy (adds another 3% discount) through the same company. Another idea for lowering your rates: do you have all your insurance with the same company? I get an 18% discount on my car insurance just because I also have my homeowners (gets me 15% discount) and umbrella policy (adds another 3% discount) through the same company.

]]> By: Amanda http://www.bloggingawaydebt.com/2007/02/cutting-expenses-part-2-automobile/comment-page-1/#comment-18098 Amanda Thu, 08 Feb 2007 03:05:22 +0000 http://www.bloggingawaydebt.com/2007/02/cutting-expenses-part-2-automobile/#comment-18098 Your rates sound a little high to me too. We pay $491 for 6 months with 2 cars and 2 drivers, full coverage. I was just telling my husband the other day that I feel old now that our rates are so low. When I first started driving at 16 I paid $100 a month just for me, 1 car, liability only. :) Your rates sound a little high to me too. We pay $491 for 6 months with 2 cars and 2 drivers, full coverage. I was just telling my husband the other day that I feel old now that our rates are so low. When I first started driving at 16 I paid $100 a month just for me, 1 car, liability only. :)

]]> By: CPA1298 http://www.bloggingawaydebt.com/2007/02/cutting-expenses-part-2-automobile/comment-page-1/#comment-18078 CPA1298 Thu, 08 Feb 2007 01:31:06 +0000 http://www.bloggingawaydebt.com/2007/02/cutting-expenses-part-2-automobile/#comment-18078 My car, a 2002 Acura TL, only costs me ~ $350 every 6 months (I don't pay monthly). My wife and I are only 24/26 respectively. I live in a rural area in the midwest; your location (urban, rural) plays a large role in your car insurance. My rates dropped by about 1/2 when I moved from a midsized city to my current location. My car, a 2002 Acura TL, only costs me ~ $350 every 6 months (I don’t pay monthly). My wife and I are only 24/26 respectively. I live in a rural area in the midwest; your location (urban, rural) plays a large role in your car insurance. My rates dropped by about 1/2 when I moved from a midsized city to my current location.

]]> By: Katie http://www.bloggingawaydebt.com/2007/02/cutting-expenses-part-2-automobile/comment-page-1/#comment-18069 Katie Thu, 08 Feb 2007 00:48:47 +0000 http://www.bloggingawaydebt.com/2007/02/cutting-expenses-part-2-automobile/#comment-18069 You can use a dryer sheet as a car air freshener. It works really well! You can use a dryer sheet as a car air freshener. It works really well!

]]> By: bluntmoney http://www.bloggingawaydebt.com/2007/02/cutting-expenses-part-2-automobile/comment-page-1/#comment-18011 bluntmoney Wed, 07 Feb 2007 23:10:54 +0000 http://www.bloggingawaydebt.com/2007/02/cutting-expenses-part-2-automobile/#comment-18011 Since you have full coverage on your car, does it include breakdown insurance? Our policy does, which we only just found out about recently. They'll bring us gas, change a tire, and take of of lock server & towing -- exactly the same as AAA. So we dropped AAA, since it was duplicate coverage at 4 times the price. I wouldn't drop both though if you can help it, especially if you have an older car. One tow could make up for it. Since you have full coverage on your car, does it include breakdown insurance? Our policy does, which we only just found out about recently. They’ll bring us gas, change a tire, and take of of lock server & towing — exactly the same as AAA. So we dropped AAA, since it was duplicate coverage at 4 times the price. I wouldn’t drop both though if you can help it, especially if you have an older car. One tow could make up for it.

]]> By: Kevin M http://www.bloggingawaydebt.com/2007/02/cutting-expenses-part-2-automobile/comment-page-1/#comment-18008 Kevin M Wed, 07 Feb 2007 22:58:37 +0000 http://www.bloggingawaydebt.com/2007/02/cutting-expenses-part-2-automobile/#comment-18008 I know insurance varies widely by state, but the rate you are paying, $1,200 per year, for only 1 car sounds awfully high to me. Definitely shop around! Are you a warehouse club member, like Costco or Sam's Club? Go to their web site and get an auto insurance quote from them. 2 years ago I was shopping around and Costco quoted me $450 cheaper per year than any other company, and I got quotes from many companies, including those internet mult-company quote sites. I know insurance varies widely by state, but the rate you are paying, $1,200 per year, for only 1 car sounds awfully high to me. Definitely shop around!

Are you a warehouse club member, like Costco or Sam’s Club? Go to their web site and get an auto insurance quote from them. 2 years ago I was shopping around and Costco quoted me $450 cheaper per year than any other company, and I got quotes from many companies, including those internet mult-company quote sites.

]]> By: D http://www.bloggingawaydebt.com/2007/02/cutting-expenses-part-2-automobile/comment-page-1/#comment-17966 D Wed, 07 Feb 2007 19:43:01 +0000 http://www.bloggingawaydebt.com/2007/02/cutting-expenses-part-2-automobile/#comment-17966 Hi Tricia, the quickest ways to cut your car insurance are ( I posted about this on 2 nickels) : 1. Change payment cycle to quarterly or semi-annual. Most agencies charge a fee for the more frequent payment cycle. 2. With hubby's job loss - call and make sure your annual expected mileage is in line. Less miles, cheaper insurance. I don't know where you are at now, with costs so low, you may already be at the bottom. 3. I would raise the deductibles, but I would not rid myself of insurance. Your car is way to valuable to go away with an accident. I generally, use the $3k level, once car is under this amount we go only liability. Don't worry, it will all be good! Hi Tricia, the quickest ways to cut your car insurance are ( I posted about this on 2 nickels) :

1. Change payment cycle to quarterly or semi-annual. Most agencies charge a fee for the more frequent payment cycle.

2. With hubby’s job loss – call and make sure your annual expected mileage is in line. Less miles, cheaper insurance. I don’t know where you are at now, with costs so low, you may already be at the bottom.

3. I would raise the deductibles, but I would not rid myself of insurance. Your car is way to valuable to go away with an accident. I generally, use the $3k level, once car is under this amount we go only liability.

Don’t worry, it will all be good!

]]>