the news will talk about how to get cheaper car insurance and let’s kick it off number one don’t assume that any company has the most competitive rate did you know that the company with the most affordable price for your neighbor could be the most expensive for you and that at any given time anywhere across the country the difference
between the highest and lowest insurance policy for you is around 8 60 bucks and there’s all kinds of independent states to go out there to check out so that you can get multiple inch our insurance quotes just take
a quick look at the low cost car insurance price


.com all right so we’re here on the website for low-cost car insurance price .com and put in your ZIP Code
which we have done that we pop in the Kelso ZIP Code
so Click on get a quote
there are three companies here that pop up on this for that area progressive I see a smart financial
I don’t Sherance also the zebra just be aware that it doesn’t necessarily have to be a place like Geico Allstate progressive, etc.
And that is our Tip number two don’t ignore the local and regional insurance companies the big guys like Geico progressive State Farm and Allstate aren’t necessarily the cheapest companies that are out
there Chris number three is what we’re getting into the stuff that I like hearing that is the word discount
yes discounts so what do you wanna do is when you’re looking for insurance as you want to let you know mention that you have stuff like a good driving record
you also want to see if you can bundle your insurance
most families have more than one car we have like five and we only drive-through so I can put the homeowners and
car insurance every
month Bundle your insurance for multiple cars on the on the policy pay upfront I don’t personally
ever do that because I am now but if you can it’ll save you some money right
an antitheft system which do you want to make sure it is something like LoJack on the legitimate orders because there’s a lot of bogus window edge systems that car dealers not to put on cars that don’t work you guys anything it’s just another


deterrent as we’re finding out some people believe deterrence work and other people do not think so deterrence work person believe deterrence work and that we should adequately fund deterrence but anyway oh yeah I just want to bring up that if you do want to get those window and she either craigslist
for like 20 bucks instead of maybe 2 00 I might even spend north of 5 00,000 bikes if you had a really rip off Don’t get that we talk about the renovation thing for us in here real quick again you just break that window out that Illinois is gone and I’m
seeing an increase of in and there’s a new document and it went out last night we’re seem very large increase in automobile fast so anal as Meg deterrence and she can
get on your vehicles for sure and you will get a discount on your car insurance to correct number for Kyle is yours yeah you know what a lousy deterrent is low credit score so basically what you can do is what I did I’m actually building credit as we speak which
is crazy because I’m actually sitting right here basically if you wanna increase your confidence just go to your local credit union maybe the one that you bankat perhaps it when you don’t even bake at the more big
Sino market and sell the better bases go there and get a $500 loan put $500 in account they take it automatically you’re building credit what is possibly just you
could be sick and do that basically starting Question in and you know off all growing up and you don’t from time I was 16 credit score was never involved in in in the car insurance industry and I’m not I am not understand why it would be involved or why it’s even relevant actuaries in the business say that


there is an indication of how accident-prone somebody might be etc. Mason it is more to do with a sense of responsibility perhaps than anything else, and they say it is
an associated in most states allow conference companies to use credit as a consideration I don’t think they do I think it’s a creative barrier for people that don’t have enough money, but whether it’s fair or not a lot of insurance companies considers it
is aware of that and take some actions to improve your credit as Kyle was mention it’s a number five on her list is that supposed insurance cost when buying a car a lot of people are out car shopping and they’re not aware that even vehicles in the same
similar makes and models can have a huge difference in how much they cost For car Sherance you take a Toyota Camry as an example would cost $187 more per year
on average than the comparable Honda accord and likewise a Toyota RAV4 will cost $200 a year more


than a Honda CRV so it just be aware that the vehicle that you shopping for we even seen situations with somebody comes in looking for a brand new Mustang or something like that will you can imagine how much the car insurance is and if you’re thinking about what your monthly payment is and what you can afford and you didn’t think about that car insurance it could be the car insurance that is the reason why
you end up losing your vehicle so take conference into consideration when you’re buying a card number six on the list is considered dropping the collision and comprehensive if your car is a older car basically a clunker both policies here’s why because comprehensive and collision only cover up to the value of your vehicle and if your car is here I may be 5 00 bucks or whatever thousand dollars Which was a lot of those cars that are still in good running condition on the road but consider dropping collision and comprehensive on your clunker car cause it’ll save you some money on insurance and the policy really isn’t giving
you any benefit anyway to consider dropping that number seven on our list of tips is regarded as a bigger deductible, or some people say well if you have an accident well then, this is going to end up costing me more money well right but do you remember when you


Had your last car accident have you ever had one Chris a few years back home OK I’ve never had one have you haven’t had a car accident I wasn’t driving yeah
OK but the point is is that the chances of you having a car accident or relatively low and I’m not talking about committing financial suicide here I’m just saying that if you consider going from the
$500-$1000 deductible on your car Sherance, you can save $200 on your car insurance and put a little money aside Case you end up do having an accident. Still, the exciting part is is that’s money that you get to keep when you don’t have an accident. Also,
if you consider going from 1 000 to 2 000 in your deductible, you can save $360 a year on your car insurance. Recover that money pretty darn fast and like I said I’ve actually not been any insurance collection car accident I will let you have been in an accident oh 30 is the 30th was yeah but I’m just saying think about it think of how much money by going with a large deductible
and just taking the difference in the cash and setting apart so think about how much money you can save in that’s been 30 years since I was involved in an accident with somebody else’s house but I don’t know Chris number eight is what considerably a plan based on personal usage I see a lot of people like me I don’t drive A lot of anything that we are saying now that the state in our area wants to do is PayPal mail program some of those are state programs some
it’s a little bit and state program so I imagine
you can probably check in to pay mama mail plan with your insurance company he could also do just a snapshot I think you’re a little device that connects underneath that not happening anyway I’ll try street driver wise


State farm drive safe and save imagine program yup, and these are all devices that plug into your that the same port underneath your dash we could
connect a vehicle diagnostic thing to it so it just kind of tracks. You’re driving experiences and they roughly put it on your vehicle for about 30 days and then he sent it back in and they will and in each case that I’ve done this with different insurance companies they have actually dropped my insurance
rate after getting the device back number nine is yucca well See you’re not driving safe car crash you know if you need anything gap insurance yes I need you might need gap in Sherance anyway talk to
your own insurance provider about gap insurance because well it cost $35 a year about through your own insurance provider the same policy if you wait and get it from your car dealer expect to pay 5 00,000 bucks quickly for gap and it’s even heading north
of 1000 dollars down these days song they see you coming in when you’re not informed about gap insurance lotta people aren’t putting money down and taking long terms on their car loans and you better be thinking
about gap but talk to your insurance provider it’s way cheaper what number 10 on her list is I’ll be very cautious of anything that sounds like insurance in a car dealers finance office still have all kinds
of things like disability insurance tire and wheel protection You know the insurance things go on and on and on and I’ll make it sound like all you’re trying
to do is protect your investment know you guys everything they’re offering to you in a dealer finance office are all profit producing products just for the dealership
themselves and there’s many a good finance man has told me you don’t need anything from this guy the finance guy sitting there in the dealer finance office was going to be a rap here on our top 10 tips on North back with other stories in just a moment Kevin Hunter Chris Brown said and Kyle Torgeson till next time take care

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