Car Insurance
**If you are a stay at home mom, or someone who puts less than 7500 miles on your car a year, you should be able to call your agent and get a reduced rate on your car insurance policy.
**If you have a car that's older than 10 years, you probably don't need to have complete coverage on your car. If, by chance, you do get in an accident your car is not going to be worth a ton of money. Your check from your insurance company isn't going to be very big. We have a car that is over 10 years old and is only worth about $2500 to $3000. Instead of having it fully covered, we have reduced our insurance and are saving monthly. If we wreck the car, we are going to get a new car anyway. That $2500 isn't going to be that great of a help. I'd rather have my monthly expenses lower.
**Call around and check to make sure you are STILL getting the best rate. You may have your current company for a variety of different reasons--your parents had it, so now you do.... it was the only one that would cover you at the time... it was the cheapest when you got insurance, 5 or 10 years ago. Make sure you are always getting the best deal.
Great advice!!
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