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Tuesday, December 27, 2016

Greetings Thrifty Friends,

Today, let's take a look at how we are managing our insurance and where we can save some nice chunks of money.

Keep pinchin' those pennies,

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Pay your car insurance semi-annually. With my car insurance, they offer monthly all the way up to semi-annual payment options. It costs more to pay monthly, and twice a year is more convenient anyway.

Increase insurance deductibles. Most of us don't need to be insured for all losses over $100 on our car, for example. Although we wouldn't want to pay a $250 or even $500 deductible, we could. If that's you, find out how much you'd save from raising your deductible. I've raised my deductibles on my auto insurance and home owner's insurance and saved a considerable amount.

Think before submitting an insurance claim. It might be cheaper to take care of a repair out-of-pocket than to pay your deductible and then have your rates go up. You may want to call your insurance agent to find out how a claim will impact your premiums before filing the claim.

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