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Ramsey’s advice could help drivers keep more money in their pockets.
Key Point
- There are many ways to earn discounts on auto insurance.
- Financial expert Dave Ramsey offers some suggestions for saving on insurance premiums.
- Just asking for a discount can make a big difference in reducing your premium.
Auto insurance can be expensive, especially for drivers who make the smart decision to opt for more than the minimum required coverage. But the good news is that there are many ways to save.
In fact, financial guru Dave Ramsey provided some simple tips drivers can follow.
Save on your insurance premiums by following this advice from Dave Ramsey
According to Ramsey, what’s the quickest and easiest way to cut insurance premiums?
“Here are the simplest and easiest ways to get cheap car insurance. Are you ready? Ask for a discount.” Ramsey Solutions Suggested by the blog.
Drivers can learn about previously unknown discount options by simply asking what opportunities exist to save money. Specifically, Ramsey recommends asking very specific questions to see if there are premium reduction options you can apply to reduce costs.
“Call your insurance agent or company and ask, ‘What discounts am I eligible for?'” he advised. “Clean driving records? Discounts. Bundle homeowner or renter insurance policies? Discounts. Multiple auto insurance policies? Discounts.”
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These savings opportunities are available to everyone. However, drivers often have to take extra steps to get them. And if they don’t know about them, they could be missing out on big savings. With all potential discounts applied, your premium could be significantly reduced, so it’s worth calling.
“The insurance company’s job is to maintain the policy,” explains Ramsey. “They will want to help you find a reason to stay.”
How else can drivers reduce insurance premiums?
As Ramsey says, simply asking about savings opportunities is a great way to save. This allows drivers to keep their current insurance while keeping their premiums low by simply letting their insurer know they are a safe driver or purchasing multiple types of insurance from the same company. .
Of course, there are other ways to cut costs. For example, Ramsey believes it’s important to scour for a better rate at least once a year, or whenever life circumstances change, as lower-priced insurance may exist. .
Changing insurance is now more complicated than simply asking for a discount from a company that already offers coverage, but at least do some comparison shopping to see if you can bring the price down significantly. is worth doing.
However, there is one important thing to keep in mind when drivers shop or request discounts over the phone. Price isn’t the only thing that matters. It is also important that coverage is comprehensive and that the insurer can be trusted to pay claims in a timely manner.
“The goal is not to get the cheapest insurance possible,” warned Ramsey. “The goal is to get the best coverage within your budget.” These are wise words every driver should listen to.
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