Who has the cheapest auto insurance? That depends on coverage

Here’s How I got The Cheapest Full Coverage Auto Insurance for My Birthday

My birthday was actually the same day as my high school graduation. I turned 18 and was ready to take on the world. I just needed a car.

I never imagined that my parents would get me one for my graduation gift. When we got back from the ceremony, though, there she was. My new car, complete with that giant stereotypical red bow, parked in the driveway. I literally squealed with joy when I got behind the wheel. I had a car I could take to school with me in the fall.

Insurance was obviously something we were going to have to work out. The deal was that my parents would make the car payment for me but I had to keep up with the insurance. Since it was a new car and literally my pride and joy, I needed full coverage. That said, I was a new high school grad about to head off to school with only a minimum wage part time job for income. I needed to find the cheapest full coverage auto insurance I possibly could. I started looking for no deposit car insurance myself, but gave up quickly.

My dad jokingly said that finding the right insurance was his birthday gift to me. We spend a morning sitting at the computer looking into a bunch of different places. Then, we went out in the afternoon to meet with a few different agents.

Thank goodness my dad was with me because I didn’t really know what I needed. He’s not really someone who haggles and laid it out for each agent that we met with. “We want the cheapest full coverage auto insurance possible. We’re meeting with a few people and we’ll go with whoever gives us the best deal.”

So who has the cheapest auto insurance?

I don’t think a few of them knew that he wasn’t kidding. They’d print out the info and run through the fees. He looked at the final number, wrote it down in a notebook, then pretty much immediately said, “Thank you” as he stood up to leave. The first time, I didn’t know what he was doing and reacted a bit slowly, which was awkward. I just gave the agent a little half smile then hurriedly ran after him out the door.

Anyway, it worked. We got a great deal when someone finally responded in just as blunt a way as my dad laid it all out there. Now I had my car and an affordable policy. Happy birthday to me. Next time I have to get insurance, I’ll probably just find some online like here:http://www.whohasthecheapestautoinsurance.com/

The Great Used Cars Chase

Finding a good used car

// This is a blog post by one of our parishioners 

I had been saving up for a new car and the time had finally come. I decided I wanted a used car but had a really specific one in mind. I knew I’d be able to find the right make and model because it was one of the most popular cars around. But I wanted a red one. Every car I’d ever owned in my life was red. Heck, even my bicycle was back in the day was red.

I started this mission by just stopping at a few used car dealerships. Which I found online here: https://www.carcanuck.ca/. Here’s some of the dealerships I looked into:

When I told the sales people that I knew exactly what I wanted, they kind of laughed at me. The first place had 3 of the make and model I wanted but the were silver, white, and blue. They didn’t really think I was serious that the color was a sticking point for me and were surprised when I walked out. One of them chased me and said she’d make some calls for me to see if the could find me one. That sounded good to me.

After some phone calls that didn’t get me anywhere closer to my goal, I decided to look online and find one myself. I was in luck! There was one at another dealer about 4 miles away. I thanked the saleswoman for her time and ran out the door.

When I got to the second dealership, I couldn’t find what I was looking for in the used cars for sale on the lot. The salesmen couldn’t either. When he checked on it, he told me it has been sold that morning. I couldn’t believe it! If I’d gone there first, I would have been able to buy it. He tried to talk me into some of the other red used cars but I was determined to find the perfect car.

My trusty smartphone led me to the third dealership where to told me they’d just sent that one to an affiliate of theirs. I was a little defeated until the told me where it was going: the the first dealership I’d visited. Slowly, I realised that I was the customer they were talking about. I ran back to my car, called the sales women I’d worked with there and she confirmed it: they beat me in the chase. But in the end, I got what I wanted.

Bad Tulsa Electricians Versus The Good Ones

These days there is just too many businesses to choose from. It doesn’t matter where I go or what I’m doing, there’s just too much choice! I spend hours agonising over which restaurant to eat at, where to get my hair cut, which locksmith to call, etc.

Years ago, you’d flip open the phone book and find a reputable company in seconds. If your boiler busted, you’d find the first company, call them up and they’d have someone over in a jiffy. There was never that many businesses to choose from in the first place so the whole process was quick and painless.

But now, with the internet, it seems like there’s a thousand more companies and a thousand new ways to find them and contact them. I preferred the simpler times. Things were much easier and less complex back then.

Recently, I needed some security lighting installed outside my property and went through the rigmarole of having to select one of the many electrician companies in Tulsa. I chose a company that seemed to have decent reviews and feedback and they promptly sent someone round.

Well, they made an awful job out of it. None of the security lights work when they’re supposed and end up flickering on and off during the daytime. I was livid. The company didn’t want to hear about it and even tried to make out as if it was my fault. They said that I would have to pay again to have them fixed and that they couldn’t get anyone out to me for at least a fortnight.

Needless to say, I chose another company to fix it. I found out about TL Davis Electrical Designs through a neighbour. He had exactly what I wanted done the past year and he couldn’t praise them enough. I quickly gave them a call, told them my situation and they had a guy come round the very next day to sort everything out for me.

The electrician was friendly, polite and most importantly, competent. He worked swiftly and diligently and had my top-notch security lighting set up in perfect working order in very little time. I was incredibly pleased and now Davis Electrical Designs have a customer for life. If you’re looking for a Tulsa electrician, they’re the people to use.

Very Cheap Car Insurance No Deposit – How to save money

Finding Cheap Monthly No Deposit Car Insurance 

The size of the deposit you pay for auto insurance often corresponds with the amount you’re expected to pay every month for the duration of your policy. For example, if you pay a large amount of money for the deposit then you can generally expect to pay less for your monthly fees. Conversely, the lower the deposit, the higher the monthly price spikes. So finding very cheap car insurance no deposit is somewhat of an oxymoron. 

I personally think that this is kind of an underhanded tactic to trick people to buying policies that they don’t fully understand. Most people live busy and hectic lives and haven’t got the time nor the inclination to really sit down and work out what car insurance coverage they’re getting and how much they’re paying for it. In these frantic times, most people will just settle for the first insurance company that gives them what they feel is a reasonable price. Most consumers are blind to the tricks of the automobile insurance salesman.

They’ll either focus on the cheap rate and ignore the massive deposit or they’ll see that the deposit is cheap and turn a blind eye to the ridiculous monthly fees. Like I said, most people are too busy to really see what’s going on so they just settle. They don’t realise that they’re better deals out there and that they can have their cake and eat it too.

There are plenty of car insurance providers out there that are now offering policies without a deposit. Judging by the examples I outlined above, you’d expect that these no deposit policies cost an arm and a leg for the monthly payments. At one time, this might’ve been the case. But not now.

Many auto insurance companies are offering good car insurance that have both cheap monthly payments and no deposit. No hidden costs or any clauses waiting to bite you in the behind. I’m telling you that you can have both without any downsides.

The other day, after a long and gruelling search through different auto insurance companies, I managed to find such a company. Here (http://www.cheapcarinsurancenodeposit.com/) I’m now fully insured and covered with this company and my monthly bills are lower than ever. I paid $0 for the deposit yet I get to enjoy the peace of mind of having full coverage at such a good, low price.

Getting Cheaper Auto Insurance On Your Annual Renew

This is a guide post, blog post by one of our church members

It’s coming to that time of year again. Time to renew my auto insurance. In fact, every year around this time, I make a point to go over all my bills and make sure that I’m getting the absolute best bang for my buck. This might seem like a pain, and it has taken a while to streamline the process, but doing this helps me save hundreds, maybe even thousands each year. Thousands that I would just be leaving on the table.

I’ve changed energy providers, cellphone service providers, etc. and slashed my annual costs by surprising amounts. Almost every service or provider I use has changed at least once since I’ve been doing this. Except for my auto insurance provider.

I’ve been with the same auto insurance provider for a long time now and for the most part, I’ve been happy with them. I’ve only had two claims my entire life and both times, understandably, my premiums have increased.

Whilst claiming through this company they have been very helpful and there’s never been any hidden costs that have come out and bitten me in the behind when I least expected it. Friendly customer service and an easy and reasonable process to claiming.

However, money talks. It all boils down to who is offering the cheapest auto insurance. Unfortunately, when receiving my auto insurance renewal letter this year, I have noticed a price hike. I understand that these places have costs, that they’re a business and they have to make money. I understand that completely. But likewise, I need to be paying the absolute lowest amount I can to get the highest amount of coverage and service I can. It’s strictly business, folks.

So this year, I will probably be switching insurers. After a few phone calls to my current company, it looks like we’ve reached the limits on what kind of deals they can offer me so it’s time for a change. I don’t quite know who I will be switching over to just yet. I’ll have to do my research to find out not only who has the cheapest auto insurance, but which providers offer the best balance between price and whether they offer no deposit car insurance or not.

The internet is huge and will definitely factor into my research and my choices but so will good ol’ fashioned word of mouth. Which is sometimes neglected in this age of eyes glued to glowing screens. I’ll talk to friends, family and acquaintances. Sometimes a good referral can got both parties a good deal/money off. Everybody can win!