January 30, 2016 Combining your home and auto policies can benefit you with discounts that help you save and additional coverage options to make your life easier. So, key to purchasing your fleet of business vehicles is research; knowing what you require from the vehicles you purchase, how economical not only is the vehicle but also the added essentials such as maintenance, and insurance coverage. Ask as many questions as you feel you need to, to facilitate an informed decision about the best possible choice of vehicles to include in your business fleet. So, my question is, pay now or go for another six months of installments? For the next couple of months I’d have less in my car repairs category but it would be repaid. I would in the meantime still have money in the car repairs category and I also have an emergency fund as well (as well as a couple other categories I could WAM from if a very large emergency happened). It sounds like a no-brainer to me but I just wanted the input from others before I shoot myself in the foot. http://youtu.be/kC679xl1_ag So, the first year your premium will be around the same as it is now – the company promises quotes are competitive from the off – and providing not too many people in your pool have accidents, it would reduce significantly the following year. Guevara claims to be able to save motorists up to 80 percent in successive years. Even if you’re in a group where everyone seems to have a prang, there’s a cap on premiums so you never pay more than you did in the first year, providing your circumstances don’t change. So, to sum it all up, you can indeed get a policy without paying anything right now, but as ever, you need to check the policy documents very carefully indeed before you commit yourself. Do bear in mind that once you have accepted a quotation you will have also accepted the insurance company’s terms and conditions, and these will almost certainly include charges that they will make if you cancel the policy, or fail to meet all of the payments. So, what state has the lowest auto insurance rates? Well, the rates for the state that you live in start with a limit set by the Department of Insurance or an equivalent government entity. Insurance companies then work within the confines of those caps to determine how much you will pay for your insurance. These caps vary from state to state and change often. So, without the benefit of today’s blogs and online help I set off on my own. I sold everything I owned and left home with a backpack, tent, passport and an ATM card. I can’t explain how liberating it felt to have no direct debits leaving my bank account. The only time money was debited was when I physically withdrew cash from an ATM. I had some interesting statements in 2006/2007 given how many countries I passed through. The sense of freedom was immense. No more council tax, electric, gas, car insurance, car tax, house insurance, phone, petrol, rent, mortgage, broadband, income tax. For the first time in my life I felt truly free. So… although they guarantee a cheaper quote, there can be a period of up to 60 days (and a bit of bureaucracy) between you and the savings. And in the meantime I would have to pay up a much bigger chunk of money than expected. We ran through the quote again, comparing it with my renewal quote. The Geordie lady confirmed it was a like-for-like comparison and we were entitled to get our insurance for 149.21, bureaucracy permitting.