[Kreal]

Hi! I stumbled upon this forum by accident, and scanning through to find something interesting - I found this post.

I registered just to post this.. hopefully this helps.

I am a 22 year old guy, with several traffic tickets, previous history of a large pay out accident, and otherwise not clean driving record.

I pay $14 a month. To insure TWO vehicles, one full coverage, the other liability - AND, fire/theft on two classic vehicles of mine.

I do NOT pay monthly, I pay YEARLY. I cut them a check each year. If they raise my rates, I fax my info to another insurance provider with my favorite message ' Beat this, and you'll earn my business. If you include a discount, I'll pay you in full for the entire year. '

I pay just under $170 a year for insurance. When I marry my girlfriend, she'll be added to my policy, so we'll see what that brings me there, but I'm sure I can handle it.

I also do NOT have my homeowner's policy, or my insurance I put on several other homes I own and rent to tennants, with the same company. JUST car insurance.

Insurance companies obviously work off of comission. As so most cell phone plan companies, etc. You can ALWAYS get them down on price, especially if you offer to them a way that they do not have to wait for you to pay each month.

I collect antique foreign cars, and having a 1938, and a 1959 on my policy - the cars are SO old, they actually bring the price over-all down by adding a MULTIPLE CAR DISCOUNT.

Another thing - - with utility bills, if you offer to have them directly debit'd from your account, rather than having to write a check and mail it each month (you also save on cost of gas to post office, stamps, envelopes, etc). They will usually knock $1-$5 off monthly, for this. YOU HAVE TO ASK. Do not assume.

Once you start being very frugal with your spending money, it'll come second hand, and you'll do it without even knowing it. Its great.

Good Luck!

ADDED: Every year most companies throw the 'your insurance rates went up this year', due to the fact they know they've done it year after year in the past, and you'll more than likely accept it this time. This is NOT how it works. Ask for proof to see WHY it has raised, and while you're at it - ask for proof for the previous years. More than likely, the insurance hasn't raised so significantly in your area, or due to the history of the type of vehicle you drive, etc- MORE THAN LIKELY - they are finding you to be quite gullible and until you put a stop to this, you'll receive an insurance increase every single year.

I know, they did this with my parents - and I was FURIOUS! Until I fixed it, hehe.