Regular Car Maintenance Could Cut Accidents And Auto Insurance CostFebruary 10, 2020
Some of you may remember over 10 years ago, Congress pushed through a tax that was referred to as the “Medicare Sur-Tax”. It affected people who were already receiving Medicare benefits and whose incomes were above a certain threshold amount – the number escapes me right now — but basically it was going to tax any retiree who had done a decent job of saving and accumulating a nice nest egg.
There is a “magic age” when most insurance carriers move you into a lower risk category. This age is 25 and quite honestly you will be quoted a different price for car car insurance the day before your birthday than you would the day after. Apparently a lot of NHTSA (National Highway Traffic Safety Administration) accident evidence recorded over the years has proven that men and women have a steady decrease in auto accidents after the age of 25.
Since you now have a short list of cheap car insurance companies, you can phone them or email them, get a direct quote, and negotiate a lower quote. Try and get things equal between each company, in other words get them to quote you on the same excess, take out the perks etc. This way you can get a bare-bones quote from each and have a good idea who is cheaper overall.
Having a rental car in Barbados is much more convenient than taking the local yellow or blue buses that you will see traveling the main coastal and town routes. These buses often take more than 10 minutes to arrive. The alternative white route vans operate much more frequently but can be cramped and quite an uncomfortable ride.
Personally, I was burgled a few years ago. There was nothing much more that we could have done – all the doors and windows were locked, but we met with a determined burglar. The insurance gave us peace of mind that we were covered; and guess what, it paid out!
If you completed the quote form, you should have a handful of local agents or companies to compare. You should be ready to start figuring out which one of these offers is best. You may look up reviews of the agents or the companies on the web. Your own state’s insurance website is one good resource. There are also plenty of review sites on the web. At this point, you may want to start asking some local coworkers and friends for their opinion.
Everyone should be checking their report at least once a year to see how they are doing. If you want to get yours you can visit Equifax, Experian or TransUnion online today to get your free copy.