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Robert A. Imparato, Jr CFP®
CERTIFIED FINANCIAL PLANNER™ professional
Craig A. Hyldahl CFP®
CERTIFIED FINANCIAL PLANNER™ professional
R.I.C.H. Planning Group, LLC
105 Fieldcrest Avenue, Suite #507
Edison, NJ 08837
Robert: 732-326-5240
Craig: 732-326-5240
Fax: 732-326-5331
Robert: robert@richplanninggroup.com
Craig: craig@richplanninggroup.com
Website: www.richplanninggroup.com
September/October 2020
Ways to Lower Your Auto Insurance Bill
If you drive, most states will require that you carry liability coverage. This can prove costly, especially if you are in a higher risk group or have a poor driving record. And if you have a newer car, you may want to carry additional collision and comprehensive insurance to cover your car. There are ways, however, to lower your total insurance costs.
Common Sense
Practice safer driving habits. Teens can’t become older drivers overnight to qualify for lower rates, but they can become safer drivers. If you’re in the market to buy a car, understand that some models will cost more to insure than others. If you’re young, good grades may get you a better rate. If you’re older, a defensive driving course could lower premiums.Consider dropping collision insurance on older vehicles, since they will drop in value with age. Collision coverage won’t pay more than fair value for a total loss. Bundle other insurance policies with the same insurer for a discount and, in some states, get an additional discount for good credit or improving it.
Newer Ways to Save
Anti-theft devices, low driving mileage and increased deductibles also lower premiums. And some insurers will now install safe-driving devices that can help you lower costs if they show you have good driving habits or drive fewer miles. Ultimately, do your homework when looking for auto insurance and shop around to lower your total expenses.CONTACT US
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