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"Conscious Prosperity: The Secret to Simple and Lasting Personal Wealth"
Changing Lives Throughout America! The Perfect Gift that Keeps on Giving!
Save
on Your Insurance Needs…
(As seen on CompuServe)
Buying insurance can be confusing. Here are some ways to reduce your premiums while still getting the coverage you need.
Shop
around, and do it regularly.
Insurance is a competitive industry, and insurers change their rates over
time. Make sure you have the best deal you can get each and every year.
Put
multiple vehicles on the same policy.
Many insurers offer family discounts for insuring multiple vehicles on the
same policy.
Check
out defensive driving courses.
Some insurers provide discounts if drivers brush up their skills.
Buy
vehicles with safety devices.
Some insurers provide discounts for airbags and anti-lock brakes because
statistics show they help mitigate the occurrence of crashes and/or the
severity of injuries.
Check
on security savings.
Alarms or anti-theft devices may qualify for insurance discounts.
Stay
on the good side of the law.
Insurers look to see if you have a blemish-free driving record and reward
you with lower premiums if you do.
Assess
your deductible. Raising
it to $500 can result in a lower insurance premium. Just be sure you can
afford that $500 deductible if you're in a crash.
Take
public transportation when possible.
Taking the bus or train, or even carpooling, lowers the annual mileage on
your vehicle and can result in a lower insurance premium.
Common
Mistakes
The excitement of buying a new car can often lead to mistakes when insuring it.
It pays to be just as prudent when buying insurance as you are when buying the
car. Don’t make these common insurance shopping mistakes:
Not
shopping for the best price.
Don’t simply choose the first carrier you contact. This may be convenient
and save you time, but it may also cost you money.
Buying
a car before checking to see what it costs to insure.
Many people discover the car of their dreams is simply too expensive to
insure. They consequently end up selling it shortly after purchase.
Not
reading your policy until you’ve already purchased it.
It pays to understand your policy and what it covers. Know your limits
before you actually need them.
Choosing
limits that are too low.
Don’t leave yourself exposed to a lawsuit that could potentially cost you
everything you have—car, house, possessions, savings, etc.
Ending
up with a policy that doesn’t cover all the drivers in the household.
It can be a costly mistake to leave a family member off your policy. If
someone has an accident and isn’t covered, you’re still responsible.
·
Not getting a multi-policy
discount.
Having your homeowner’s policy with the same carrier saves money. If possible,
use a single carrier.
DebtFREEGuru.Com Tip of the Week for Monday, November 25, 2002
Copyright 2002 DebtFREEGuru.Com All Rights Reserved.
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It's
Your Money – Keep More of It!
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Conscious
Prosperity: The Secret to Simple and Lasting Personal Wealth
By
John Moore - $49.95 - 312 Information
Packed Pages!
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It's
Your Money – Keep More of It!
If
you have credit cards, a mortgage, a car loan, student loans, or any other
kind of debt, then you need this book to free you from debt!
This
simple, livable system is GUARANTEED to help you retire in as little time
as possible, with the money you are currently earning.
Pay
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to 5 years, without increasing your current income.
Calculate
exactly when you will achieve financial independence and start living off the interest from your investments.
Simply
the fastest way to personal and financial freedom!
John S. Moore has been facilitating financial planning, cash management, investment and personal growth workshops throughout the United States for more than twenty years.
In hundreds of workshops over the past 8 years, John has taught thousands of people how to live a debt-free, stress-free lifestyle. He teaches primarily at Unity, Religious Science and Science of Mind churches, as well as other churches, schools and corporations around the United States.