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5 easy steps to save 50% or more on your six month automobile insurance policy by following these simple instructions. Many times people only need car insurance for a short period of time, say for maybe six months and there is no reason the world why you cannot get short-term insurance for your car and still save money.
Not everyone who buys insurance for their automobile needs it for a long period of time. There are many reasons why a person may only be staying in an area for a period of only six months and will only need car insurance for the time that they are there.
The reasons vary but sometimes people might be on a temporary assignment for a job in some other part of the country and for some reason or another will need to provide for their own car insurance.
Or, a person may have a second home in another state and only stay there for six months or so at a time. I know people who do this because I live down here in Florida on the beach. There are people around here who have condos but like to fly back and forth from their permanent homes up north. In most cases they will have a car in both locations.
If you only need auto insurance for a short period of time, this is how to buy it and save money.
Follow these 5 easy steps.
1. If the car you want to insure is paid for, go with a liability insurance policy instead of comprehensive insurance and collision insurance and save yourself 20% on the cost of insurance. Most states require a minimum coverage with a liability policy but you do not need a comprehensive insurance policy unless you are making payments on the car. If that is the case, the finance companies will insist that you carry full coverage insurance in order to protect their investment.
2. Go with a high deductible say $1000 per accident and this will cost you 40% less for your insurance. I would go with high deductibles on any type of insurance that I buy because it results in lower premiums. I even carry a $750 deductible on my health insurance because I am only concerned about catastrophic losses and do not worry myself about deductibles.
Everybody who decides to go with a high deductible should make sure that they have enough money on hand to pay any out of pocket expenses that might be incurred should you cause an accident.
3. Take advantage of the safe driver discount. Statistically speaking, most people who are safe drivers will very seldom cause an accident. Insurance companies know this and will reward people with safe driving records by giving them insurance policies at lower costs.
If you have had traffic issues in the past such as moving traffic violations or caused an accident within the last five years, go to driving school and have the points removed from your driver license. This will take away the stigma that insurance companies attach to bad drivers. It will also remove some of the high costs associated with bad drivers trying to find car insurance.
4. Shop at least five different companies online and compare the prices and then call your local insurance agent and ask him if he can match the price. You will be pleasantly surprised at how comparison-shopping can make such a huge difference in the price you pay for your insurance.
When you do this comparison-shopping always make sure that some of the companies that you are asking for quotes are direct insurance companies. These companies will save you money because they sell direct without using agents and therefore do not have to pay commissions. When this is the case they save money and in turn they will save you some money also.
5. When you get ready to leave the area, make sure you cancel your insurance on the day you leave so you do not get charged for insurance you do not need.
Jimmy says if you are buying temporary car insurance this is the way to do it and save money because a 6 month car insurance policy can be cheaper if you follow these instructions and take advantage of the discounts that insurance companies make available to people who are applying for automobile insurance.
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Source: http://ezinearticles.com/?6-Month-Car-Insurance-Policy—Save-Money-With-5-Easy-Steps&id=4256412
