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(1) raise your actuary so that your premiums will be lower — but before you do this, make sure you have enough in an emergency fund to pay the higher deductible should you need to;
(2) cancel your collision safeguard if your car is very old (worth less than $1,000). A good rule of thumb is to cancel your collision insurance when your car is ten years old and worth little more than your deductible;
(3) get rid of unnecessary add-ons Melker Karlsson Sharks Jersey , such as towing insurance. This typically costs $50.00 per year — when was the last time you had your car towed?;
(4) take a driver’s safety course allowed by your insurance company to qualify for a deduction;
(5) combine your homeowner’s insurance with your auto insurance and your insurer will likely give you a 10% abate;
(6) take gain of certain discounts given to certain classes of purchasers. For example, those over 45 years old can get discounted insurance by joining AARP (visit www.aarp for more information) — if you’re a person who educates, you can get a discounted rate (visit www.horacemann for more information) — those who are currently in or retired from the military can get a discounted rate through Geico — as much as 15% (visit www.geico for more info)


SAVE $200.00 ON TERM LIFE INSURANCE. Visit insurance websites like http:www.geld-bei-versicherungen-sparen.de and use their contrasting tools to find out if you can get a better deal on term life insurance. Rates have been dropping over the last decade and new mortality tables expected to be issued in 2003 will reflect updated life expectancy estimates. With longer life expectancy tables will come even lower rates. How much term life insurance do you need? If you have children under the age of 18 Kevin Labanc Sharks Jersey , you need at least seven times your annual income.


SAVE $600 PER YEAR ON TERM LIFE INSURANCE. If you don’t have any dependents, it doesn’t matter if you’re single, married or retired Justin Braun Sharks Jersey , you don’t really need term life insurance. Get rid of it and save anywhere from $400 to $900 per year.


SAVE 5% TO 10% OF THE COST OF A POLICY. If you pay your premiums monthly, you add about 5 to 10% to the cost of the policy since the insurer must do added paperwork Pay your premiums semi-annually or annually and reduce your bill. Similarly, you can also reduce the cost by buying one big policy instead of several small ones. For example Tomas Hertl Sharks Jersey , one policy for $500,000 rather than two for $250,000. Other ways to cut costs:


— Buy speedily from the insurance company rather than through an agent
— Buy group insurance rather than individual policies
— Avoid insurance that covers only one type of risk (cancer Martin Jones Sharks Jersey , credit life, flight) as these policies often duplicate your existing policies and are more expensive.


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