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Go Insurance Rates Review

car insurance

You may have noticed a new partner on my site – Go Insurance Rates. I wanted to take some time and explain why I signed up with them and how their service can really help you save a lot of money on auto insurance.

Go Insurance Rates – Shop Around From Home

If you’re looking for a great deal on car insurance, then shopping around and getting quotes can be a very smart move for your budget. I highly recommend comparing rates because that how we able to cut our auto insurance premiums, simply by switching providers.

I checked online and all my memberships to see if we could lower our insurance bill. We were both good drivers, so we wanted to get a better premium without sacrificing our coverage. Along with getting some better coverage, we now also get free towing and jump starts included. That saved us some additional money as we allowed our AAA membership to lapse. (If you travel extensively, AAA has some additional services that are worth the costs.)

Every so often we review what we have to make sure it’s still a good deal. Go Insurance Rates offers you an opportunity to quickly get quotes from big insurance companies such as Progressive and Allstate.

Tips to Saving More Money on Auto Insurance

If you’re looking for more ways to trim your auto insurance premiums, here are some additional tips that can help.

  • Ask About Discounts: You may be able to get a non-smoker discount, a professional discount, a student discount, a good credit or financial stability discount, renewal and loyalty discounts, and a myriad of other discounts if you simply ask for them.
  • Embrace Safety Features and Devices: Safety features, such as airbags, anti-lock brake systems, and anti-theft systems, can help you save money on your auto insurance.
  • Don’t Buy Too Much Insurance: Although you should never skimp on insurance, it pays to be conservative and really think about the type of coverage you need before purchasing a policy. You don’t need duplicate coverage.
  • Raise Your Deductible: Raising your deductible will lower your monthly insurance costs. Of course, you will be on the hook for the deductible if something goes wrong. But if you have an emergency fund, you can easily self-insure and get your investment to pay off in a year or two.
My personal recommendation when you’re comparing car insurance companies is to have a copy of your current policy to make sure you’re comparing apples to apples. If you decide to go with an auto insurance company, see if you can find a current customer of theirs to make sure you’re getting a good value. Just looking at the cheapest options isn’t always the best move. I hope you can use Go Insurance Rates and find a better rates for your car insurance!

Thoughts on Shopping for Car Insurance and Getting Better Rates

I’d love to get your thoughts on saving money with insurance. How often do you shop around for auto insurance? Have you’ve been able to save money? How much? What tips do you have on getting additional discounts?

Photo Credit: jmv

Couple Money: Best of May 2011

blog writing

Thanks everyone for a wonderful month in May! It’s been great (and busy), so I thought I would be nice to highlight some of my favorite things over the past month.

Popular Posts on Couple Money

Here are some of the popular and fun posts over the past month here.Thanks to everyone who took the time to leave a comment and/or shared their favorite posts with others. It really enhances the discussion and many of you are giving me some great food for thought.

Be a Part of the Community (How Can You Help)!

If you have any ideas on Couple Money topics, please hang with me on either Twitter orFacebook. I enjoy answering questions and chatting with others. Thank you for your support; it really makes a big difference. If you enjoy a post here on the site, please help:

  • Leave a comment – Your tips have been incredibly helpful and it’s great see other’s insights on finances.
  • Spread the word on Twitter- If you have a quick comment you’d like to leave, tweet it out – I’m amazed by the feedback.
  • Share and chat with me on Facebook – I recently included a “Like” button on all the posts to make it easier to share your favorite posts with your friends. You’re also invited to leave your feedback on posts on our Facebook page.

Subscribing to Couple Money

Joining the Couple Money Newsletter offers many benefits:

  • Free Updates to Keep You Up to Date with the Couple Money Community
  • Exclusive Giveaways
  • Behind the Scenes Information on Upcoming Contests and Events

You can sign-up at anytime and you decide how frequently you want updates- either hot off the press as they’re published or weekly summaries. Sign-up here to join.

Married Food- Fun Site to Check Out

It’s been a joy so far writing for the site and here on Couple Money. I’m still learning how to balance the two sites long with my freelance works.

Here are some of my favorite posts this month on Married Food:

If you want to sign up for free updates, please sign up for Married Food’s newsletter. Please check out the wonderful posts. I’m not the only writer on the site. I’ve had some wonderful bloggers sign up and share their culinary delights.

Thanks again for checking Couple Money – I love writing here and I hope you have a wonderful week!

Photo Credit: Charles Jeffrey Danoff

Tracking Baby Expenses

baby expenses and gifts

Baby Expenses Series Will Continues Next Week

If you’ve been following the blog this year, then you know we’re expecting our first kid this summer. I’ve decided to track the baby expenses on Couple Money as we’re going through this process and some wonderful bloggers have decided to join in the fun. It’s been quiet on the blog front with the series, but it doesn’t mean that I’m finished with it. We’ve been fortunate that the monthly OB visits have been uneventful, but behind the scenes we’re preparing for the new addition to our family. That means I have more topics to cover in the weeks and months ahead for Couple Money.

Next week I’ll look into diapering options and I’ll run the numbers for total costs during a typical baby’s first year. Please share your take and own figures – my goal is to make this series as useful as possible for parents.

If you haven’t caught all of them, here’s a list of post from the series so far:

Join In the Baby Expenses Series

Are you a parent or a parent to be with some helpful advice or stories? Please go ahead and join in on the fun, there are 4 ways you can be a part of it:

  1. Leave your tips in the comment section. I  love reviewing thoughtful comments from readers. Some topics have several ‘right’ answers and I think sharing different view points can be helpful.
  2. Submit your stories for future posts. As you know, baby and expenses can cover a variety of topics. If you have a short story or some tips you want to share, please submit them. If you’re a blogger, please share your site’s address with the email so I can credit you if you want.
  3. Write a blog post about your experience. Please include a link in your bio for your site and if you have a relevant post on your site, please link to it in your post.
  4. Share you favorite posts with friends. If you have a favorite post, please share them with your friends who are expecting. I’ve included share buttons for Facebook and Twitter to make it easier and you can always email them your favorite posts as well. If you think it’s a great for them, please encourage your friends to sign up and receive updates through RSS or directly to their inbox. It’s free and an easy way for them to keep up with the latest posts on Couple Money.

Personal Finance Carnivals

There were some wonderful carnivals and if you haven’t seen them yet, please check them out:

Personal Finance Posts to Catch Up On

If you have some free time this weekend and want some tips and information for your finances, be sure to read some of these wonderful posts.

I hope you enjoy reading them as much as I did. I also recommend checking out my blogroll to pick up some great personal finance blogs to follow. Please also let me know what are some of your favorite blogs that you enjoy reading on a regular basis.

Have a wonderful weekend with your family!

Photo Credit: Elle (a couple of toys our friends gave us for our daughter)

Always on the Look Out for Good Deals

save cash with deals

It may take a bit of time, but you can sometimes find some wonderful deals on the web on things you need and things you want.

One of my favorite guest posts on Couple Money came from Jim on how to cut expenses for a newlywed couple. He mentioned specifically the benefits of using deal sites and even how to sell online for extra cash:

Use online sites that offer tips and coupons for saving money. Many sites are specifically designed to let you in on local deals and ways that you can bring down your monthly budget – from food items to dog food to other household needs.

The Internet is an infinitely helpful tool that can offer huge savings. There’s the other option of using web sites like Craigslist to sell your unwanted items. Newlyweds are often inundated with tons of useless gifts and selling them online is a quick way to get some short-term extra cash.

GoTo Meeting Deal

What is GoToMeeting? It’s software that allows you to have web conferences and remote sharing. It’s a handy way for businesses to collaborate. Looking for a deal on GoToMeeting? Use this GoToMeeting coupon link to save 20% and get a 30 day free trial on this great program. I’ve used it to join in on several webinars and it has always been easy for me. If you have your own business or you work online quite a bit, this is a very handy tool to use.

Speaking of handy tools, DealTaker is a site where you can hunt for deals on gifts, tech stuff, and travel.

Other Deals and Contests for This Week

There are some great contests going on this week:

Finding Online and in Store Deals

What are some of your favorite places to track down a deal? If you’re on the hunt for a big purchase, how long do you usually take to find the best deal?

Photo Credit: superstrikertwo

Be Prepared for A Natural Diaster

natural diasters

Earthquakes, hurricanes, floods and tornadoes are a few of the natural disasters that have been in the news the past year.  Although technology has aided in the warnings of some threats, too often the loss of valuables and property is accompanied with loss of life.

It is not possible to always know when a disaster will hit your area, but advance preparation can aid in surviving one.  Living in Southern California, the most likely natural disasters will be earthquake, flooding, mudslides, wildfires and maybe even a tsunami.

Your risks may be for hurricanes or tornadoes in addition to some of the others listed.  By preparing for the various possible emergencies, you and your family will know what to do when one occurs.

Emergency Kit

In case the disaster restricts the ability to get water, food and other essentials it is important to pack an emergency kit.  A standard recommendation is to have supplies to last a minimum of three days.  Remember to include food and water for any pets as well.

Other common kit essentials are batteries, flashlights, radio, first aid kit, clothing, and blankets.  You’ll want to keep the kit stored where it can be easily accessed in a emergency.  If you live in a tornado-prone area, you might store the kit in an underground shelter.  If evacuation is more likely a good storage location would be a car trunk.

Rotate items regularly to ensure freshness and usability.  Check expiration dates and replace as needed to avoid ending up in the dark because of old batteries.

Emergency Plan

Have a plan for the actual emergency.  When we had to evacuate due to wildfires a few years ago, there was a moment of panic due to lack of a plan. Include the following elements:

  • Meeting Place: Identify where the family should meet or where loved ones can find you. Make sure everyone has the phone number and address memorized.
  • List of Essentials: In addition to the kit, there may be items you want to take if possible whether it is because of sentiment or monetary value.  In addition to family pictures, don’t forget documents that would be difficult or time-consuming to replace such as licenses, passports and certificates.
  • Research: Disasters do happen when people are away from home.  Make sure you know the evacuation plan for schools, workplaces and other locations that family members frequent.

Keep informed on what’s going on if the threat is known in advance.  Check the status frequently on television, radio or the internet.  Make sure your phone numbers are registered for reverse 911 even if they are not land lines.

Spending a little time getting ready for a natural disaster can result in a better outcome for you and your family.  Are you prepared?

Photo: Attribution Some rights reserved by U.S. Geological Survey