save money with some unusual steps

There are literally hundreds of ways to save money on car insurance. Most of them revolve around discounts, and you’ve already heard all about them. It seems like the same 10 pieces of information tend to pop up everywhere you go! There are some people, however, who have taken the quest for great car insurance rates a step farther and firmly cemented a place for themselves in the Car Insurance Savings Hall of Fame! Here’s a look at some strange and not-so-strange ways of knocking big bucks off your car insurance and the costs that go along with it so you can put that money to better use.

Barter with your repair shop. This isn’t directly related to saving money on your car insurance premiums, but I read an article the other day that I thought was absolutely brilliant. Associated Content author Amy Barnes was explaining how she had worked out a deal with her local repair shop to help cover the cost of her deductibles (the amount of money you pay to cover what your insurance company won’t). Since her deductibles were about $1,000 dollars she agreed to provide them with $1,000 worth of advertising. Quid pro quo indeed!

Become a hermit. Hey, you laugh, but if you’re not out on the roads you’re not paying for your insurance. Thanks to the Internet, becoming a high tech hermit is easier than ever! You can order your groceries online, request delivery of just about everything and only venture out when it’s time to go to the doctor or make your annual visit to your mother’s for Christmas. (Missing that just isn’t worth it-you’re going to get more than a couple hundred dollars worth of guilt absolutely free every birthday and holiday for years!) The low mileage discounts will do wonders for your ability to pay your insurance premiums.

Sell your sports car and trade it in for a clunker. Hey, those high test cars are expensive to insure, because they’re going to be expensive to replace! Trade that in for a $1,000 special and you’ll be able to use the difference in their sale price to foot the bill for your car insurance for years.

Buy a horse and buggy. Trading in four wheels for four hooves might not be the best choice for your living room, but it’ll do wonders for your car insurance rates!

Go for minimum liability on your car. Most experts recommend you carry minimum liability levels of at least $100,000 per person and $300,000 per accident. That’s well above the bare minimum in every state. If you really want to save money on your car insurance, dice and slice your  coverage. You might find yourself paying thousands of dollars in damages, but you’ll be able to save at least a couple hundred dollars a year. Keep yourself out of trouble and it should pay off in twenty years or so!

Michael McDonough is a National Account Executive for QuoteScout.com. To find out more about to save money on your car insurance rates visit them on the web at http://www.QuoteScout.com

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