How To Save $500 On Your Automobile Insurance!!!

I know this is a bit out of the ordinary, but I’m here to help you make money as well as save money.

So today’s post is how we saved over $500 on our annual auto insurance policy.

First, we changed our vehicle rating from pleasure to work. Insurance companies consider pleasure vehicles to be more apt to be involved in an accident than a work vehicle that’s parked all day.

This alone saved $100 per year off our policy.

Strange, I thought a pleasure vehicle like my Porsche would cost less due to sitting in the garage all week. I only drive that car on the weekends or when I go out to dinner sometimes. I actually have to keep the battery on a charger because I seldom drive the car and I never when it’s wet or raining outside.

Next, we reduced our bodily / collision / property damage / uninsured motorist coverages from $100k / $300k down to $15k / 30k and increased our deductible from $500 to $1,000.

Most insurance agents will over sell you on your policy straight out the gate. Keep in mind, the other motorist is supposed to have the minimum as well and you still will retain full coverage with comprehensive and collision.

Now this may be slightly different for you, as we have three cars. But two of the vehicles are a BMW and a Porsche… with the other being a four wheel drive Montero, so having a pair of standard Japanese or American cars could save you more.

Our policy went from $1,832.00 per year down to $1,314.00.

That’s a savings of $518 per year which is $43.17 per month.

More than enough to pay for gas for the month if you work from home like I do.

Again, it all goes back to having a home based business. Not only do you make more money, but your tax benefits and savings on insurance far outweigh working a 9-5 job for someone else.

I can’t imagine how much I save on gas by itself. That has to be at least $100 per month alone.

You have to weigh the risks and whether or not your vehicles are privately owned or you have sold them to your company. No one wants to get in an accident and lose everything to a lwasuit, so consider your options. Having your cars owned by your LLC or S Corp makes not only good money sense, but also a good safety net from some dingdong that fakes a neck injury from a two mile an hour fender kiss at the supermarket.

So if your budget is tight right now and you’re looking to save some money, look to modifying your insurance first. You’ll be amazed at how much money you’re paying each and every month for services you may not be using.

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HOW DO WE PAY OFF AMERICAS DEBT?

Here is an interesting post on Facebook by my buddy and fellow Butterfly Warrior, Bret Treadwell.

Bret goes on to say that we as a people are dealing with a fractionalized banking system as our adversary.

This means that there is more debt outstanding than money in circulation, although, for every submission technique there is a counter to it. ~ The Butterfly Warrior

The following is very quickly outlined proposal to pay off our national debt.

We cannot do it with these ideas alone, they are far from perfect solutions ALTHOUGH they are turning a corner towards a REAL solution.

Focusing on SOLUTIONS is the only way to solve ALL OF OUR challenges.

For every problem there is a solution. It simply depends on whether we chose to FOCUS on why it won’t work, or how it can.

#1 what we focus on expands. So we must focus on our desired outcome.
#2 when we ask the right questions our dreams come true. ~ Example: How is Canada paying off their debt?
#3 Reality is made when we agree. Lets get as many people as possible focusing on 1 and 2.

These are the first 3 of 10 principals of the Butterfly Warrior!

1) Most of our debt ‘right now’ comes from the money we borrow from China to fund ‘primarily’ our foreign policy. Ultimately, this is the unconstitutional occupation of over 130 countries worldwide.
(As a side note, if we quit occupying other people’s countries we would dramatically lower the terrorist threats we face today, how would we feel if China had bases in the US)?

Now, if we were to stop borrowing money EVERY DAY from China and end our unconstitutional occupation of 130 countries that would begin to address the problem of not being able to pay it back, because paying it back is directly connected to NOT SPENDING OR BORROWING MORE.

2) Our income tax (which is unconstitutional and was set up as a ‘volunteer’ WAR tax) pays for the interest on our national debt, which again is primarily to fund our foreign policy. If we stop borrowing, we can start to pay the principal down, exactly like a credit card.

3) Every person over age 18 owes a little under $180,000 of this debt presently.

4) The ‘volunteer’ WAR tax was originally catalyzed by AMERICAN pride and a desire to have a country that was in the black. We ‘may want to consider’ to begin to instill that kind of pride again in our country and our economics (this is another entirely beautiful subject that I do not have time to get into, but it is near and dear to my heart) and encourage people to take ownership for their government and its present military and financial situations. (As a start point)

We can do this by allowing small businesses to begin trading in real money. This would encourage folks (at the very least) to trade in silver and gold. There are plenty of people that would like to (I know I would) and in fact MINTS across the nation started printing coins during the 2008 elections with Ron Paul on them and small business started to get excited about using them until the FBI illegally shut the MINTS down and confiscated all the coins with Ron Paul stamped on them. Keep in mind that Gold and Silver with Mickey Mouse is OK, though. Hmm.

For more on this interesting and thought provoking post, please visit HOW DO WE PAY OFF AMERICAS DEBT?

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