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Your auto insurance coverage doesn’t have to cost an arm and a leg!
Budgeting is often in everyone’s books. After all, one should determine if they can afford that new TV once the monthly bills are paid.
When it comes to auto insurance premiums, motorists aim for high coverage and low monthly bills. Sometimes unique circumstances, such as owning an expensive car or having a high number of accidents or tickets on your driving record may require you to pay more money to insure your car. If this is the case, remember one thing: you always have options! Affordable auto insurance is no myth!
Use these tips to create a budget and prepare for the cost of auto insurance!
- Create a budget: Write (or type) out your budget of incomings, outgoings, and a desired amount to spend on your insurance policies. A visual representation will mean that you can focus on your finances accurately.
- Add up expenses: Include rent, mortgage, car payments, insurance premiums, utilities, cellphone, credit card, gas, food, and any other monthly outgoings. Totaling recurring expenses allow a good insight into how much extra money you’re spending that you should be saving instead.
- If the sum of all of your expenses adds up to more than what you’re bringing in, consider some cuts. Go down your list and eliminate any unnecessary expenditures. After securing enough funds to pay for the roof over your head, your car and insurance, food, utilities, and medical expenses, leave a small percentage for “fun” and put the rest into savings!
- Consider paying your six-month car insurance premium in one lump sum: Although this sounds counterintuitive, you may save you money! In many cases, opting to spread the coverage out to monthly payments increases the cost by a small but potentially significant amount.
- Look for discounts within your insurance: If you’re in school or have a teenager in school, you may be eligible for a Good Student Discount. If you’re a good driver, there is a Good Driver Discount. Ask your insurer if there are any discounts that apply to you.
Skip the search of trolling through the internet looking for affordable auto insurance in Las Vegas, Nevada. Contact the insurance professionals at All Nevada Insurance for a personalized, affordable policy!
