It costs a lot to get car insurance. No one would argue on that. Without one it would cost you more to drive if you had an accident. Still, you don’t want to pay too much for it. So how can you save money on your car insurance premium?
Check several insurance companies. Don’t fall for the headline that says they got the best insurance deal in town. Find out for yourself by shopping around. It would be to your advantage to compare at least 3 quotes.
Find out how the prospective company is doing financially. Does the company have any complaints against them? What is their reputation for customer service? A good indicator of this could be seen on your initial visit. For example, did they take time to answer your questions or did they try to cut you off fast? Taking note of these things could save you some regrets later on.
Check insurance costs for the car you intend to buy. Your premium will be based on the particular cars sticker price, repair expenses, overall safety record, as well as potential theft possibility. Consider features that reduce the risk of injury or theft, such as daytime running lights or anti-theft equipment. Because the car insurance company may offer you premium discounts for a car with those features.
Consider paying a higher deductible. It may sound odd. But if you increase your deductible from $300 to say, $500, the cost of your collision and comprehensive coverage would be reduced anywhere from 15 to 30 percent. A $1000 deductible would save you even more, perhaps more than 40 percent.
Reduce coverage on your older car. The rule of thumb is to multiply your premium by 10. If your car is worth less than that total, think about dropping collision and comprehensive. You can check your cars value online at www.kbb.com.
Insure your home and car at the same company; you may get a reduction in your premium. And if you have more than one car, that may also get you a reduction. Don’t be afraid to shop around.
If you drive far less miles than the average driver, ask about Low Mileage Discounts. The car insurance company may offer you for low-mileage discounts.
Other discounts may also be available. If you have no accidents or moving violations for a number of years, you can get a discount. A defensive driving course may also win you a discount.
Remove unnecessary items from your policy. Many lenders will attach items like roadside help to your loan package. This is a good thing, but most car insurance companies already offer this on a full coverage policy. You need full coverage when financing a new car.
As you can see, there are quite a few options for getting that premium down.
A final word; what works for you over the next few years may not work later, depending on your situation. Don’t be afraid to be an alert consumer and reconsider your needs on occasion.
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Starring in arguably his most memorable role, Eddie Murphy lights up the big screen with his 1980’s blockbuster hit Beverly Hills Cop. Showcasing the unique comic talents of a young career on the rise, the former Saturday Night Live cast member’s smiling humor and charismatic onscreen presence take an adequate screenplay and turn it into a smash film. Appearances by Paul Reiser and Bronson Pinchot (as the trendy ‘Serge’) combine with Murphy’s antics to make Beverly Hills Cop a hilarious and highly entertaining movie…
Eddie Murphy plays the role of Axel Foley, a freewheeling Detroit police officer who witnesses the murder of a close friend on the force during a botched drug bust. Linking the murders back to Beverly Hills, Foley takes an extended vacation from his job in Detroit. But rather than relax, he makes his way to Beverly Hills where he plans on conducting his own investigation.
In pursuit of the murderers, Foley uncovers a massive drug smuggling operation run by one of the elite socialites of Beverly Hills. Digging for the truth, the Detroit cop is forced to butt heads with the Beverly Hills police department and confront the drug ring’s various henchmen. Despite direct orders from their superior, Beverly Hills cops Billy Rosewood (Judge Reinhold) and John Taggart (John Ashton) eventually change from adversaries of Foley (attempting to halt his illegal investigations) to willing participants in his uncovering of the illegal drug ring. In the end, Foley finds the murderer, but will he get his revenge? Will the Beverly Hills police arrest him before he does? You’ll have lots of fun finding out…
Complimented by a hit soundtrack which features four smash hits (Glenn Frey’s “The Heat Is On,” The Pointer Sisters’ “Neutron Dance,” Patti LaBelle’s “New Attitude,” and Harold Faltermeyer’s breakthrough hit “Axel F”), the film’s action and suspense sequences play out to the backdrop of adrenaline pumping beats and synthetic keyboard sounds. The music itself provides a small glimpse in the musical experimentation of an age that witnessed the convergence of high technology and sound. In a way, Beverly Hills Cop typifies the decade of the 1980s, but it does so without being so overly engrossed in the cultural fads of the day as to be outdated and ridiculous in the eyes of a modern audience. This is one of the core strengths of the film and one of the reasons millions of fans enjoy watching reruns of the movie on cable.
One of the more unique films of the 1980s, Beverly Hills Cop created a new sub-genre of film by splicing the serious action/suspense genre with the comedic personality/comedy genre. As a rare talent, Eddie Murphy is uniquely positioned to pull off the coup, carrying the film on the back of his personal likeability and hilarious brand of comedy. Performances by Judge Reinhold and John Ashton serve to compliment Murphy, and together, the three form a relatable, “average guy” click that audiences feel inclined to root for. As a result, the viewer is never bored, whether being entertained by mere suspense or hilarious comedy. Without a doubt, Beverly Hills Cop is one of the top ten comedies of its decade, and that’s why it’s a definite must-see movie…
About the Author
Britt Gillette is author of The DVD Report, a blog where you can find more reviews like this one of the Beverly Hills Cop (DVD).