Solve your debt in 5 days or less!

insurance coverage.  
43. Review vehicle insurance policies and drivers' records. 
If high risk individuals are no longer driving, is a 
reduction in premium possible?  
44. Review inventory. Is it possible to use old stock that 
has been forgotten?  
45. Reduce rent and overhead by sharing space and facilities 
with a complementary business.  
46. Review mailing lists and remove customers that have not 
placed orders in the last 2 years or have moved outside your 
area of service.  
47. Plan service calls and drop in visits to customers to 
correspond with other visits.  
48. Combine small shipments/orders to take advantage of 
lower freight rates.  
49. On out of town projects, consider staying at non 
franchised hotels/motels. More than likely the rates will be 
lower than the corporate rate at major chains.  
50. Make production personnel responsible for quality 
control and routine maintenance. 

 

Nine Ways To Lower Your Auto Insurance Costs 

You may not realize it, but the insurance rates you pay for 
your car can vary dramatically depending on the insurance 
company, agent or broker you choose, the coverage is you 
request and the kind of car you drive. Listed below are a 
number of things you can do right now to lower your 
insurance costs.  
1. COMPARISON SHOP. Prices for the same coverage can vary by 
hundreds of dollars, so it pays to shop around. Ask your 
friends, check the yellow pages or call your state insurance 
department (phone numbers are on back page). You can also 
check consumer guides, insurance agents or companies. This 
will give you an idea of price ranges and tell you which 
companies or agents have the lowest prices. But don't shop 
price alone. The insurer you select should offer both fair 
prices and excellent service. Quality personal service may 
cost a bit more, but provides added conveniences, so talk to 
a number of insurers to get a feeling for the quality of 
their service. Ask them what they would do to lower your 
costs. Check the financial ratings of the companies too. 
Then, when you've narrowed the field to three insurers, get 
price quotes.  
2. ASK FOR HIGHER DEDUCTIBLES. Deductibles represent the 
amount of money you pay before you make a claim. By 
requesting higher deductibles on collision and comprehensive 
(fire and theft) coverage, you can lower your costs 
substantially. For example, increasing your deductible from 
$200 to $500 could reduce your collision cost by 15% to 30%. 
 
3. DROP COLLISION AND/OR COMPREHENSIVE COVERAGE'S ON OLDER 
CARS. It may not be cost-effective to have collision or 
comprehensive coverage's on cars worth less than $1000 
because any claim you make would not substantially exceed 
annual cost and deductible amounts. Auto dealers and banks 
can tell you the worth of cars.  
4. ELIMINATE DUPLICATE MEDICAL COVERAGE'S. If you have 
adequate health insurance, you may be paying for duplicate 
medical coverage in your auto policy. In some states, 
eliminating this coverage could lower your personal injury 
protection (PIP) cost by up to 40%.  
5. BUY A "LOW PROFILE" CAR. Before you buy a new or used 
car, check into insurance costs. Cars that are expensive to 
repair, or that are favorite targets for thieves, have much 
higher insurance costs. Write to the Insurance Institute for 
Highway Safety, 1005 North Glebe Road, Arlington, VA 22201 
and ask for the Highway Loss Data Chart.  
6. CONSIDER AREA INSURANCE COST IF YOU ARE MAKING A MOVE. 
Costs tend to be lowest in rural communities and highest in 
center cities where there is more traffic congestion.  
7. TAKE ADVANTAGE Of LOW MILEAGE DISCOUNTS. Some companies 
offer discounts to motorists who drive fewer than a 
predetermined number of miles a year.  
8. FIND OUT ABOUT AUTOMATIC SEAT BELT OR AIR BAG DISCOUNTS. 
You may be able to take advantage of discounts on some 
coverage's if you have automatic seat belts and/or air bags. 
 
9. INQUIRE ABOUT OTHER DISCOUNTS. Some insurers offer 
discounts for more than one car, no accidents in three 
years, drivers over 50 years of age, driver training 
courses, anti-theft devices, anti-lock brakes and good 
grades for students.  

INQUIRE ABOUT DISCOUNTS FOR: COMPANY A COMPANY B COMPANY C 
$500 deductible _______ _______ _______ 
$1,000 deductible _______ _______ _______ 
More than 1 car _______ _______ _______ 
No Accidents in 3 Years _______ _______ _______ 
No Moving Violations in 3 Years _______ _______ _______ 
Drivers Over 50 Years of Age _______ _______ _______ 
Driver Training Course _______ _______ _______ 
Anti-Theft Device _______ _______ _______ 
Low Annual Mileage _______ _______ _______ 
Automatic Seat Belt _______ _______ _______ 
Air Bag _______ _______ _______ 
Anti-Lock Brakes _______ _______ _______ 
Good Grades for Students _______ _______ _______ 
Auto and Homeowners Coverage with the Same Company _______ 
_______ _______  
College Students Away From Home Without a Car _______ 
_______ _______  
OTHER DISCOUNTS: _______________ _______ _______ _______ 
_______________ _______ _______ _______ _______________ 
_______ _______ _______ _______________ _______ _______ 
_______  

You Can Reach Your State Insurance Department At: 
AL: 205-269-3550 
AK: 907-465-2515 
AS: 684-633-4116 
AZ: 602-255-5400 
AR: 501-686-2900 
CA: 800-927-4357 
CO: 303-894-7499 
CT: 203-297-3800 
DE: 800-282-8611 
DC: 202-727-8002 
FL: 800-342-2762 
GA: 404-656-2056 
GU: 671-477-5144 
HI: 800-468-4644 
ID: 208-334-2250 
IL: 217-782-4515 
IN: 800-622-4461 
IA: 515-281-5705 
KS: 800-432-2484 
KY: 502-564-3630 
LA: 504-342-5900 
ME: 207-582-8707 
MD: 800-492-6116 
MA: 617-727-3357 
MI: 517-373-9273 
MN: 800-652-9747 
MS: 601-359-3569 
MO: 314-751-2640 
MT: 800-332-6148 
NE: 402-471-2201 
NV: 800-992-0900 
NH: 800-852-3416 
NJ: 609-292-5363 
NM: 505-827-4500 
NY: 212-602-0203 
NC: 800-662-7777 
ND: 800-247-0560 
OH: 800-686-1526 
OK: 405-521-2828 
OR: 503-378-4271 
PA: 717-787-5173 
PR: 809-722-8686 
RI: 401-277-2223 
SC: 803-737-6117 
SD: 605-773-3563 
TN: 800-342-4029 
TX: 512-463-6464 
UT: 801-530-6400 
VT: 802-828-3301 
VI: 809-774-2991 
VA: 800-552-7945 
WA: 800-562-6900 
WV: 800-642-9004 
WI: 800-236-8517 
WY: 307-777-7401 

For more information, call the National Insurance Consumer 
Helpline (NICH) at 1-800-942-4242 

 
 

Sure-Fire Methods Of Raising Instant Cash