Today on MyMoneyLife with Chuck Bentley

Help, Hope and Insight Web Site

Have you cut your monthly obligations as much as possible?  I’ve been telling you for months that with the economy in recession, you’ve got to create financial margin by paying down debt and boosting your savings.

Well, one of the areas folks often overlook is insurance.  Once they get locked into a policy, they just make the monthly payments and think nothing of it.  Often, the payment is automatically debited from a checking account.

Well, insurance is a necessity, but that doesn’t mean you should overpay for it.  So today we have the top 3 ways to save on your insurance costs, and this is from a recent CNNMoney article.

1. Boost your credit score.  Did you know that insurance companies sometimes use your credit score to set the rate you pay on car insurance?  To them, the higher your credit score, the less likely you are to file a claim.



2. Check for job related discounts.  Depending on the state you live in, your insurance company may offer discounts based on your profession.  Teachers, for example, may be eligible for a lower rate.



3. Increase your deductibles.  To lower your premium cost, raise the amount you pay toward a loss on your auto and home owners’ insurance, or both.  Don’t lower your coverage, though.  Take the money you save and add it to your emergency fund.

Now, for more money-saving tips, go to Crown.org, and check out the Help, Hope and Insight feature. Whether you’re looking for information, encouragement, or help with your first budget, you’ll find helpful and timely tools. Take 60 seconds and check it out. That’s Help, Hope and Insight, at Crown.org.

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Other Resources:

• ABCs of Money Package
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• Crown Mvelopes