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20
Sep

Tips For Comparing Car Insurance Quotes

share save 120 16 Tips For Comparing Car Insurance Quotes

To get the best rate on your car insurance, it is important to compare several car insurance quotes to see who is offering the best deal. Unfortunately, many of the people that do take the time to compare car insurance quotes do not know what they should be looking for. There are certain things that you should look for on the policies to see which one is the best option for you. By reviewing these items, you will be able to tell which company will be able to give you what you need at the best price.

Use Accurate Information

It is important to use accurate information when you are obtaining auto insurance quotes. Each piece of information collected is put into a calculation of the rate that you will be required to pay for a particular type of insurance policy. If the information that you use to obtain the quote is not accurate then the quote that you receive will not be accurate either. Before beginning to search for car insurance quotes, get all of your information in order and have it close by so that you can refer to it as needed when entering the information.

Compare Policies With Similar Coverage

You should make sure that the policies that you are comparing both have similar coverage or the comparison will be meaningless. Car insurance policies can come with a wide variety of features and coverage options and each individual item carries its own price. To compare apples to apples, both of the policies quoted must have coverage limits as close to each other as possible. This will help you figure out which insurance company has the best prices overall.

The Lowest Price May Not be The Best Deal

When comparing car insurance policies, you should remember that price is not everything. While the policy may cost the least amount of money, it may have the most exclusions, leaving you vulnerable to high costs in the event of an accident. The fine details of the policy is where you will be able to find out whether the low price is due to a great sense of business or because the company is cutting corners in other areas.

By keeping these things in mind when comparing insurance policies, you will increase your chances of finding the best policy for the lowest price. There are many car insurance quote comparison websites available on the internet that can help make the task of comparing car insurance quotes much easier.

18
Sep

Never Pay Full Price For Anything

share save 120 16 Never Pay Full Price For Anything

One of the best ways to save money on your expenses is to never pay full price for anything. There are many different ways that you can use to get a discount on the things that you are purchasing and using these methods to save tons of money is easier than you think. The key is to always look for a deal for anything that you intend to buy. Here are some of the easiest ways to never pay full price for anything.

Restaurants

Everyone loves to eat out at restaurants, but dining out can get very expensive very quickly. Luckily, there are a number of ways to get discounts at different types of restaurants around your city. Many restaurants put out coupons in mailers or the local paper offering two for one meals or monetary discounts off of the price of your bill to entice new customers to come into their restaurants. Some restaurants also offer daily or weekly specials on certain items, allowing you to eat for less and possibly explore new foods.

Movies

Movies are another thing that you should never pay full price for because there are so many ways to get discounts on them. One of the easiest ways to save money on movie tickets is to go during the middle of the day when theaters are charging matinee prices, which are generally half the price of full priced tickets. You can also choose to go to second-run theaters, where the movies arrive later after their release and the ticket prices are cheaper. Another alternative is to wait until the movie is available to rent, and then invite all of your friends to a viewing party at your house.

Live Shows

There are also a number of ways to see live shows for a discounted price or for free. Some theaters hosting live shows will offer discounted tickets for certain viewing times or for participating in their charity drives by bringing canned food or gently worn clothing for the less fortunate. You should also keep an ear out for any free shows that will be in your city over the next few months, which may include musical performances, comedy shows, and sporting events.

Groceries

No matter what types of groceries you are looking for, there is a way to get the item discounted. There are coupons available for nearly everything online, in newspaper inserts, and in mailers sent to your home. Taking a few minutes each week to cut out coupons for the items that you use could save you 30% off of the cost of your groceries. Many grocery stores also have periodic sales of certain merchandise and matching your weekly menu to these sales can save you a considerable amount of money each month.

13
Sep

Changing Your Routines Can Save You Money

share save 120 16 Changing Your Routines Can Save You Money

Many of us spend more than we need to because we have become trapped in routines that cost s money. Simple actions such as buying your lunch at a fast food restaurant instead of packing one or using an out of network ATM have the ability to cost you hundreds of dollars in additional costs each year. By simply changing the routines that are costing you the most, you will have more of your income available to pay bills and to use for other needs. Here are some costly habits that are fairly easy to change in a short amount of time.

Buy All Of Your Food At The Grocery Store

Grocery stores and stores that sell grocery items in bulk are often the best deal available on food. The prices that you pay for items per unit at the grocery store is lower than at any other type of food retailer, including fast food restaurants, vending machines, and convenience stores. Many grocery stores sell items that can be purchased hot or that can be cooked in a matter of minutes, so time is no longer an excuse for picking up takeout on the way home. Eat breakfast in the morning before you leave, take a lunch with you, store portable snacks in your bag or desk, and make dinner when you get home. Buying all of your food at the grocery store could cut many people’s food expenses by 50%. To cut down on the amount of time that you spend cooking, make double when you do cook and freeze the rest for another meal in the future.

Read A Book Before Bed

As the day is winding down, many of us want to relax and we often turn to energy consuming devices, like televisions, computers, and gaming systems, to help us accomplish this. To reduce the amount of energy you are using each month, turn off all of the lights and electronics in the house a couple of hours before bedtime except the one that you need to read a book in a comfortable chair or in bed. You will save energy, stimulate your mind by reading something in print, and relax yourself so that you will have a good night’s sleep.

Open Your Windows When Home

Another habit that you should get into is opening the windows of your house when you are home, especially during mild months of the year. Turning off the indoor climate control system and refreshing the air in your home with air from outside has many physical and financial benefits, including saving money on energy costs and reducing the amount of pollutants inside your home. The only time that you should be using your home’s climate control is during the evenings and night in the wintertime and during the hottest days in the summer.

10
Sep

Take Steps To Avoid These Mortgage Scams

share save 120 16 Take Steps To Avoid These Mortgage Scams

The slowly recovering housing market and national economy has created a perfect environment for mortgage scams to proliferate. Homeowners that are desperate to save their homes will often turn to any resource that they believe will help them. This makes them easy targets for mortgage scammers who tell the homeowners what they want to hear and make their offers sound like they are solution to all of the problems that the homeowner is facing. Unfortunately, if you fall for the scam, you may find yourself losing your money and your home. Here are some common mortgage scams that you should take care to avoid.

Signing Over Deed

One of the most common scams facing homeowners is getting tricked into signing a deed that transfers ownership of the property to another party. In this scam, the scammers offer to help the homeowner refinance their mortgage into one with better interest rates and lower mortgage payments. The borrower is then asked to sign documents in a large stack of papers, one of which is a deed to the property that transfers ownership to the scammers once signed. Because many people do not stop to read all of the documents that they are signing, this scam is more effective than you may think. Never sign anything blindly and make sure that you read every page of anything that you are putting your signature on.

Fake Loan Modification

Another common mortgage scam is the fake loan modification. In this scam, the scammers pretend like they are helping you get a modification to your loan to make the payments or interest rate lower and easier to manage. You are required to pay the fees associated with the loan modification upfront, after which the scammers take your money and provide you with no help at all with your mortgage. Despite homeowners being repeatedly warned about this scam through numerous education campaigns, stories of borrowers who paid $1,000 to $5,000 for a fake loan modification and received nothing in return continue to be reported. It is important to verify the identity of any company that is promising inexpensive loan modifications because they may not be in the business of modifying loans at all.

Mortgage Sale Scam

Banks and other lenders have gotten into the habit of selling residential loans to other parties to get the loans off of their books. Scammers have found a way to take advantage of this by convincing homeowners that their fake company is the new owner of their mortgage loan and that they will need to make their payments to a different address and company from that point forward. Responsible borrowers make their payments as requested and often don’t know that they have been scammed until the original lender lets them know that their mortgage is in default. Under federal rules, whenever the servicer on a loan changes, the borrower should be notified with a “Goodbye” letter from the current servicer and a “Hello” letter from the new servicer. It is also a good idea to research the new company on the internet before beginning to send payments to them.