Monthly Archives: January 2016

Buying Insurance Online or From an Agent – What is Easiest?

Buy Insurance Online

Insurance purchasing tips and tricks you can use to save hundreds of dollars a year

It’s possible to save hundreds and hundreds of dollars on your insurance every single year, but only if you know how to take advantage of all the insurance tips and tricks we are going to share with you below.

Yes, Buying Insurance Online sounds like a change from the past where discussing your insurance needs with an Agent was the norm. Not anymore though, with the explosion of Insurance Providers on the Internet such as Allianz Travel Insurance, you can Buy Insurance Online with ease.

Leverage the inside information we are going to share and you’ll cut your insurance costs dramatically – and you’ll be able to help other people that you care about cut their insurance costs as well!

Comparing each and every one of your options, not on price, but instead on value

The first thing that you need to do to save money on insurance (whether you’re buying auto insurance, health insurance, travel insurance, or homeowners insurance – it makes no difference) is to compare all of your options as intelligently as possible.

A lot of people simply jump online, search for insurance quotes, and then compare the final figures that they are provided from these online sites against one another – never really digging any deeper.

What a big mistake.

Instead of looking only at the price of the insurance that you’re going to be asked to pay, you also need to make sure that you are looking at the value of the insurance you are receiving.

For example, spending $15 more a month on insurance may be advantageous if you’re getting hundreds of dollars of extra coverage in the process. This is something that a lot of people overlook, but a mistake that you aren’t going to make moving forward.

Bundle absolutely everything whenever possible to save the most amount of money

Secondly, you are going to want to try and bundle absolutely everything you can to drop the cost of individual insurances as much as humanly possible.

Bringing together a number of insurance coverages under a single roof will help you save the most amount of money, and you won’t just be able to save money on one of your insurance plans but instead all of them.

Bundles are advertised rather aggressively these days, and they really do (often times) represent the best deals you’re going to find anywhere. Take advantage of everything bundles have to offer whenever you get the chance to.

Jack up your deductibles whenever you can to save on monthly premiums

It may not always be possible, but anytime you are able to comfortably increase your deductible you’re going to be able to save quite a bit of money. In fact, raising your deductible by as little as thousand dollars can help you save upwards of $25 a month – and sometimes significantly more than that.

You’ll have to save money to cover this deductible, but you will be able to save money to cover the deductible with all of the money that you’re saving on premiums.

Don’t be shy about asking for “hidden discounts”

Of course, you’d also have to be at least a little bit crazy not to take advantage of any of the “hidden discounts” that most every single insurance company on the planet has to offer.

These hidden discounts are usually in the form of unadvertised discounts they offer for specific groups of people or people that hit specific qualifications (think discounts for the military or discounts for safe drivers and good students).

These discounts can usually be combined with other discount opportunities – especially bundles and increased deductibles – and can result in dramatic savings every single year.

At the end of the day, it’s important to realize that there are some different opportunities available for you to take advantage of when you’re looking to save money on your insurance going forward.

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Just about everything you need to know to Save Money on Auto Parts

Car & Truck Auto Parts

It’s pretty much a given that at some point in time your cars or trucks are going to break down, are going to need to be maintained, and are going to require auto parts to be swapped out and replaced.

At the same time, it isn’t a guarantee that you’re going to have to pay an arm and a leg to have your vehicle back to better than brand-new condition – not if you know how to shop for the best auto parts without breaking your bank account along the way.

Sure, it’s critical that you end up working with an honest mechanic to help you get the best possible prices on repairs and auto parts (or you can save quite a bit of money and never have to question integrity when doing the work on your own), but if you want to be certain that you aren’t getting gouged on auto parts, pay close attention to the tips and tricks we are able to share with you below.

Take advantage of online auto parts clearing houses
Though there is certainly something to be said about purchasing OEM (original manufacturer equipment) directly from the company that built your cars or trucks in the first place, most of the time you’re not only going to find better deals on aftermarket parts – but they’re actually going to be better parts as well.

For all auto parts then Auto Parts Warehouse would have to be one of the better known companies who stock a massive range of products.

And if you’re looking for something outdoors – ie tractors and such, then you can’t go past the national retailer Tractor Supply.

Many of these aftermarket parts are going to be designed specifically to increase performance, boost durability, and resolve any and all issues that may have been caused by original manufacturers cutting corners.

Online auto parts clearinghouses and warehouse style websites can usually provide you with the best deals, as they cut out the middleman and offer parts directly from the people that make them.

This should be your first visit when you want to save money on your auto parts.

Buy Tires Online
There’s a lot of choice when it comes to buying tires. It’s not just the huge range of manufacturers, there’s a lot of online tire suppliers. We list a few here to make it easy to compare prices by simply searching for your tire size.

There’s some reputable online tire retailers like Tire Crazy who offer a great range of tires at competitive prices. They also have regular promotions so it’s worth keeping in mind when you may be up for new tires, simply so that you’re not having to rush out and buy new tires immediately.

Don’t be shy about visiting your local salvage yard
Secondly, you might be able to score fantastic deals on used auto parts at local junkyards or salvage yards in the area.

A lot of people have no idea that these “car, truck, and SUV graveyards” are a gold mine for parts, and if you’re willing to take the part out of the vehicle after you find it in the boneyard, you’ll almost always be able to get it for a fraction of the price that you would have paid for a brand-new one.

You’ll find tires in solid condition, all kinds of mechanical parts, body components, and even audio and nav systems from time to time!

Obviously, scouring local salvage yards and auto graveyards is going to be a little bit hit and miss – you never know what you’re going to find or if the vehicles there will have the parts you need – but if you have a couple of hours on a weekend to do a little bit of hunting it’s a great way to save a boatload of money.

Craigslist, eBay, and other online classified/auction websites can be your best friend
Finally, you can scour craigslist, eBay, and other online classified or auction websites to get your hands on the auto parts that you’re looking for.

The beautiful thing about these websites is that they aren’t only filled with car parts – sometimes of rare and relatively hard to find auto parts – but you’re also able to request parts that you’re looking for and have your ads posted online as well.

This gives you a lot of leverage when you’re hunting for specific auto parts, and you’ll also be able to share with the community exactly what you’re looking to pay. These prices are usually quite negotiable (up and down), so don’t be shy about asking for an even better deal if you’re not willing to pay “retail”.

Again if you can’t find anything, we highly suggest you visit the likes of  Advance Auto Parts or Parts Geek who are hugely popular for the main reason that they stock millions of auto parts at competitive prices.

 

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