Are You Finding Locating Discount Auto Insurance Hard?

There are many insurers that offer discount auto insurance on all types of car policies. Did you know you will automatically get a discount if you have never been in an accident or received a ticket in the last three to 5 years. You can also get more discounts if you already have a different policy with that company as multiple policies are automatically discounted. Multi-auto policies also receive discounts and are helpful if you own more then one auto.

There are other tips or ways that can get you Discount Auto Insurance that many people may not be aware of. The type of college degree you have can lower your auto insurance as it was found that people with a bachelor’s degree in engineering have fewer risks then other individuals. 21st century group also known as AIG Direct offers additional discounts on your car insurance if you have a degree in mechanical engineering, mathematics, biochemistry and other engineering and scientific fields. Scientists and engineers with no accidents or tickets can save 10 to 30 percent from the base rate.

There are other industries are associated with lower risks and this includes people who are teachers and farmers. Horace Mann, Ohio Casualty, 21st century and Esurance all offer discounted rates for educators. You should get Free Insurance Quotes from these companies if you are an educator as you are entitled to an additional discount on you automobile insurance. Some insurers may only give discounts if you are a college professor or certified in a specific state, but it is worth checking around.

If you were in the army or are currently in the army then you can save between 2 to 15 percent. This military discount does apply to specific states. A military discount on car insurance is offered through Geico. Geico can also drop your coverage to only comp if you are suddenly deployed. If you receive hostile-fire pay then Geico will lower your bill when you are out of the country by an additional 25%.

AARP members can also get discounts of up to 45% on their vehicle insurance through Hartford’s AARP Automobile Insurance Program. They offer specific discounts on multi-policies and multi vehicle policies and additional discounts if you have held insurance with them for longer then five years. Basically the longer you are with the company the more discounts you will receive.
It is also possible to get a 10% discount from MetLife if you complete an online course from the National Safety Council. All the courses offered can be taken over the internet or you can order the course in a kit. All of the courses are based on the NSC’s defensive driving. Taking part in a defensive driving course is a terrific way to lower your insurance points, particularly if you have received many tickets or been in an accident.

To get the most out of your car insurance you will have to delve deeper then the basic auto insurance comparison quotes. You should have all of your questions ready and take the time calling up the auto insurance companies and making sure you get answers. Some of the discounts are unknown but they are there and all you have to do is ask to see if it applies to your policy and circumstances.

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What is the Meaning of Frugal?

“Frugal lifestyle”, “living frugally”, “frugality” – all are variations of the word “frugal”.  According to Wikipedia, the definition for “frugality” is:  “The practice of acquiring goods and services in a restrained manner, and resourcefully using already owned economic goods and services to achieve a longer term goal.”

So that’s the definition.  Now what?  To understand “being frugal”, “frugal living”, or “frugality” (we’re going to stick with the term “frugality” from now on in this article), we have to understand the definition.  So let’s break the definition down into two parts.  We’ll talk about the first part in this post.

“The practice of acquiring goods and services in a restrained manner…”

What does this mean?  It simply means that before you buy something you are going to look at the purchase and decide whether or not you really need it and can afford it.  This may mean taking several days to think about it.  It may mean going back for a second look at the item.

Frugality should not be confused with being a miser.

There is a definite difference in being a miser and being frugal.  A miser is someone who does not want to spend money.  Misers often do this to the point of not even having the basic comforts.  They do not want to spend one penny.

People who are frugal will spend money but they look at all the options first.  They weigh the urgent desire for something against how is the best way to acquire it.  They will save for something before incurring more debt.

People who live frugal lifestyles will value their purchases.

What do I mean by that?  If a person saves and saves for an item and restrains from purchasing it on impulse, they will tend to take better care of it.  They will value it more.  Oftentimes in impulse buying, the items are used a lot until the “new” wears off.  Then the items are set aside and put up when the newest impulse purchase is bought.

Is there a new resurgence of living “frugally correct”?

With the economy in the shape that it is today, the answer is definitely YES!!!  For several years, people have been able to throw caution to the wind and not really pay attention to what it meant to “acquire goods and services in a restrained manner.”  Credit was used without thinking about the end payoff.  The “I NEED IT NOW, I’M GOING TO GET IT NOW” attitude was very popular.

This is seen in the housing market.  So many people bought houses that they could not really afford without weighing the cost.  Restraint was not used.  Did people need houses as big as they purchased?  Did they really have the income to make the payments or were they house-poor?

We are finding out now that lending companies would gladly lend and “dupe” people into feeling secure about their purchases.  Time after time stories are being told of lenders that would tell people not to worry about it…we’ll just refi in a couple of years.

Frugal lessons learned.

1. Take your time.  Ask yourself do you really need it and if you think you really need it, do you really need it now?  Do you really want it because you don’t want to practice restraint in getting it?
2. If you determine that you think you really need it, take some more time.  A couple of days to think some more about the purchase is not unreasonable.  Distance yourself from the purchase and then go back to look at it again.
3. Do you really want to use credit to purchase something?  Is it a possibility to save for the item?  If it is a possibility, will you value the purchase more?  How long will it take to save for it?  Will you still want it if you wait and save for it?

Next time we’ll be discussing the second part of the definition — “resourcefully using already owned economic goods and services to achieve a longer term goal.”

Till then,

JT Locke
Frugallycorrect.com

Check It Out Sunday!!!

It’s been a while since I’ve posted on this blog.  It has for the most part been put on the back burner while I am updating the other sites in the Locke Enterprises group.  This blog is on the list for a more aggressive marketing plan and better written articles.  The original concept for this blog may be changed as well.  Check It Out Sunday will remain a feature however. 

Now to the Check It Out Sunday sites!!!

• With the economy in the shape that it is in, solar energy sources are becoming more popular.  Check It Out over at Solar Powered Home.
• These days everyone is looking to save money, which includes couponing and rebating.  Saving Money Ideas‘ article on rebating reminded me that it is one area that I definitely forget.  If you are into couponing, then chances are you are into rebating.  If not, then it might be something that you might like to start doing.  Check It Out!!!
• Craving for some coupons!!!  Coupon Cravings just recently hit 2,000 subscribers.  If you haven’t visited her and subscribed, then Check It Out!!!

Now for a little shameless plug, check it out over at The Frugal Houswife. I’ve posted a picture of the gas prices last week here in San Angelo.  I’ll have to update that picture.  The gas prices here are at $2.29 today.  Also, check out The Frugal Housewife on Twitter. 

Now for one more shameless plug, check out So Many Coupons!!! over at Squidoo.  It’s still a work in progress.  Check It Out!!!