How to Save Money on Auto Repairs

In this economy, it is important to save money where we can. And one major area that any driver should examine is the cost of auto repairs. The cost of owning and operating a car can be expensive, but there are ways that you can save money on auto repairs – starting with becoming more proactive about your car’s health.

Here are a few things that you can do to help you save money on future auto repairs.

Overview of How to Spend Less on Auto Mechanics

Getting your vehicle repaired is often a stressful experience – especially if you’re concerned about being upsold or overcharged. It’s possible to conserve a few of your hard-earned dollars simply doing some simple maintenance on your car and by being better prepared for unexpected repairs. You can also save money by being aware of the different types of auto repairs that are available.

Most drivers would prefer to save money on auto repairs if possible. Here are some tips on how to do that:

1) If you are handy with tools, you can do some of the easier repairs yourself.

2) You can also shop around for the best price on parts and labor.

3) You may be able to get a discount if you pay cash at some auto repair shops.

Keep Up to Date with Recommended Repairs and Routine Maintenance

First, you should always keep up with the recommended maintenance for your vehicle. It’s no secret that auto repairs can be expensive. But there are ways to save money on auto repairs, and it starts with prevention. Many vehicle owners wait until they experience a breakdown or overheated engine before taking their car in for service, which can end up being very expensive.

Regular maintenance on your car – such as oil changes, tune-ups and tire rotations – can help keep your car running smoothly and prevent more expensive repairs down the road. Even making sure the tires are filled is a smart, fuel-efficient way to stay safe on the road.

Do Your Own Maintenance and Repairs

Auto care is not for everyone, but there may be some things you can handle on your own. If you’re willing to invest in low-cost parts and tools and get your hands a little dirty, you may well end up saving hundreds of dollars or more over time. Not to mention the time saved by taking care of business in your own garage – and on your own schedule!

Get Word-of-Mouth Repair Shop Recommendations

Many people think that they need to take their car to the mechanic for every little noise, but that is not always the case. There are some additional measures that you can do to save money on auto repairs. For example, while dealerships often double as mechanic and repair shops, they are not necessarily the best place to conserve on repair expenses.

Like anything else in life, a little research can go a long way. Look up online recommendations of automobile repair shops in your neighborhood. Read online reviews carefully. They are often a good word-of-mouth source of anecdotal information about the kind of experience you can expect at certain shops.

If that doesn’t work – ask around, in person and on social media. Many people have both good and bad stories about auto repair experiences. Ask your neighbors and coworkers for recommendations. Chances are, you’ll receive a few. When someone has developed a good relationship with someone they trust, they are often more than eager to share the love.

Get a Good Deal on Comprehensive Auto Insurance Coverage

Finally, make sure you have comprehensive auto coverage that covers your family’s needs but doesn’t break the band. For instance, you may want to check and be sure car insurance plan will cover the cost of potential repairs in the event of an accident. While you’re at it, make sure you will have access to roadside service, as well. Unfortunate incidents on the road can’t always be prevented, but solid planning can save you from paying unnecessarily out of pocket when they do occur.

To find an excellent insurance plan that covers all your needs, contact Amigo Insurance today. Our agents are ready to help you compare quotes and find the best deal for your needs!

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6 Ways to Lower Your Car Insurance Costs

These days, it seems like everything is getting more and more expensive; cars included. Due to rising vehicle costs, insurance rates often follow suit. And while it doesn’t seem like this trend will end soon, there are many different things you can do to help lower your rates and help you save.

Compare Costs Before Purchasing your Vehicle

Before you buy that shiny, new 2018 model, look into insurance costs. Premiums are partially based on your vehicle’s price, how much it costs to repair or replace it, and safety. For example, did you know that vehicles with high crash test scores ~usually~ get lower rates? Be sure to consider all these elements when it comes to deciding which vehicle to get. However, if you do go for that newer model, know that your insurance costs might land on the higher side.

Shop Around (We can help with that!)

Once you’ve found the perfect vehicle, it’s time to shop around and find the right company. This can be a little intimidating, especially if you’re not familiar with fancy insurance terminology. Luckily, there are companies that can do all the work for you. At Amigo Insurance, for example, our specialized agents can help you find the right policy for the right price. All you have to do is Call Us, Quote Online, or Visit an Office to get a personalized search.

Maintain a Good Credit Score

Maintaining a good credit score should be a no-brainer. Not only does a good credit score affect credit applications, but insurers often use this information when pricing your auto policy. To maintain a good score, be sure to pay your bills on time, keep your credit balances low, and don’t take out any more than you absolutely need.

Purchase your Homeowners and Car Insurance from the Same Company

In some instances, insurers may cut you some slack if you buy more than one policy with them. Similarly, if you insure two or more vehicles with the same company, you may also see a reduction. Be sure to ask your agent about this to confirm it can be applied to your case.

Opt for Higher Deductibles

Deductibles are the amount you have to pay before an insurance policy kicks in. When purchasing your insurance, you can always ask for a higher deductible in order to save down the line. As Investopedia puts it, “the lower the deductible, the higher your annual premium. Conversely, the higher the deductible, the lower the premium”. Ask your agent about this option and see if this is something you could benefit from doing.

Get those Discounts!

Oftentimes companies can offer discounts to policyholders who haven’t been in an accident or have had a violation in a certain number of years. In addition, by taking a defensive driving course, insurers can also offer a discount – but if your reason for taking a course is solely for that discount, make sure to ask your agent/company if this is something that’s available.

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Budgeting for your First Apartment

For many, moving out and getting your first apartment is a rite of passage. It’s a sign of independence and responsibility. But, while it’s an exciting milestone, without the proper planning and budgeting, it can also be overwhelming and messy.

So, while you may have found your dream apartment, there are still a couple of things to consider before signing

  • How much do I need to have saved?
  • What move-in costs are there?
  • What are some ongoing expenses?
  • How much can I afford with my income?

How much do I need to have saved?

Depending on which part of the country you live in, renting an apartment may be more or less than what you expect. Even so, having some money to fall back on is always a good idea. Mint states that having enough to cover three-to-six months of living expenses is a good rule of thumb. And while many might not have the means to save that much in a certain timeframe, any money saved up is better than none.

If moving out is in your short-term plans, try setting aside any loose change or putting money aside each paycheck. Over time, that money will add up and help alleviate any financial hardships that come with getting your place.

What move-in costs are there?

When budgeting for your first apartment, be sure to consider any upfront costs too. Upfront costs may include a security deposit, first and last month’s rent, pet deposits, move-in fees, and utility deposits.

Additionally, the act of physically moving into your new apartment can be costly too. If you have to hire a moving company, it will very likely be more expensive than having a friend with a truck help out. Be sure to consider all costs that come with moving your things from one place to the other.

What are some ongoing expenses to consider?

In addition to your rent, having your own apartment means paying other monthly expenses like utilities, electricity, heat, air conditioning, gas, cable, and internet services.

Renters insurance is also something to very strongly consider. This will help keep you covered in a variety of circumstances you may find yourself in as a tenant. Amigo Insurance offers low monthly rates on renters insurance to help keep you covered without breaking the bank. Call us at 877-999-2644 or 773-847-9000 for a free quote.

How much can I afford with my income?

Now that you’ve factored in your savings, upfront costs, and other monthly expenses, you can see what you can afford with your income. Forbes stated that as a standard rule, you should try to find an apartment that is no more than one-third of your income.

If the apartments you’ve seen so far are too high, consider finding new locations or places without unnecessary amenities.

Overall, moving out for the first time can be both exciting as it is scary. For many, this is the first time away from home and doing personal finances on their own. However, while it may be scary at first, it is certainly not impossible. Especially with the right planning.

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Why Renters Insurance is a Good Idea!

According to the Insurance Information Institute, 95% of homeowners have home insurance. After all, mortgage lenders require it. So, why is it that only 40% of renters buy renters insurance? Unlike homeowners insurance, renters insurance is not always required; but it can without a doubt save you a lot of money and headaches in the long run.

Here are a few reasons why buying renters insurance should be something on your to-do list.

It’s inexpensive.

There’s a common misconception that renters insurance is expensive, leading renters to opt out. However, a renters insurance policy is generally inexpensive. Not only that, but it’s pretty flexible too. Be sure to contact one of our agents or customer service reps to hear about our low rates and coverage.

A renters insurance policy can help pay medical expenses for your guests.

A renters insurance policy can protect you in a variety of cases. Some that you may not have considered before. If you have kids, for example, it is likely that their friends will come over. Should one be accidentally hurt in your apartment, your renters insurance could help pay the medical bills up to the policy’s limit.

It’s 2018, things are more expensive to replace.

Things are not cheap. That great lamp or coffee table you bought two years ago probably costs more than it did when you first got it. In the event of a fire, flood or theft, your renters insurance policy can help pay for replacement cost at their current price. It makes it possible to replace lost or damaged items.

Your policy could help cover hotel expenses after a disaster.

After a flood or fire, the last thing you want to be worrying about is where you’ll stay the night and how you’re going to pay for it. Your renters insurance policy includes “additional living expenses” coverage in the event that your apartment becomes uninhabitable and you need someplace to live temporarily.

Your legal costs can be covered too.

If an accident occurs in your apartment and you are being sued, the liability coverage on your renters policy can help pay your legal costs up to your policy’s limit. Be sure to speak to one of our agents or customer service reps to hear your amount options.

These are only a couple of reasons why renters insurance is a good – great – idea. Not only will you be saving money, but you’ll have some peace of mind knowing that in any case, you’ll be covered.

Call us today at 877-999-2644 for a FREE quote on renters insurance and to hear your options.

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