Car Insurance Look

When you are dealing with car insurance – it is really tough to usually find deals, however did you know that there are a million different ways that you can actually save on car insurance without having to scour for deals?  That is what we are going to talk about in the next few blogs – don’t go anywhere!

First and foremost, do you have an older car?  If you do, why do you still have full coverage on it?  That is a waste, if you have an older car, go ahead and drop that on down to collision and I can seriously tell you that it will save you a bunch of money on your car insurance.

In the next blog, we will talk about how looking around and comparing apples to apples will really help you in the long run!

Now that we have talked a little bit about filing a claim for your car insurance, let’s talk about why you shouldn’t file a claim for something as small as running over a nail.  To be perfectly honest – car insurance companies look for any way in the world that they can jack up your car insurance premium and if you are constantly filing claims … they are going to consider you a risky driver and jack up your car insurance premium.

Usually, you are allowed one grace period so that you can file one claim without getting dinged but if you do file more than that – I can honestly say that your car insurance company is going to jack up those premiums on you, so beware!

If you have to file a claim … do so for the big stuff like a car accident and don’t sweat the small stuff.

Filing a car insurance claim is tricky – believe it or not, many people really have no idea what they can or should file a claim over.  Did you know that you can actually file a claim for really anything that goes wrong with your car?  Let’s say that you are on your way home from work and you run over a nail … I’ve had this happen before, it happens to everyone.  You get a flat tire, what now?

Well, you get the car towed so you can get it fixed and what is the next step?  Well, you can actually file a claim for this and you could have your car insurance pay for it.  However, is this something that you want to do?

You might not and in the next blog we are going to explore some of the reasons why you might not want to file a claim for this particular thing or for something equally small.