Sometimes our expenses can be more than our income and we find ourselves scrambling to make ends meet every month. You try to find ways to cut back and save money but there are some expenses that you simply can’t cut out altogether, like auto insurance. Each state law will vary on just how much auto insurance you are required to carry but across the board, it’s illegal in all states to go without insurance. Now, it is easier than ever for a policeman to see if you have insurance or not. They don’t even have to pull you over anymore to find out if you have insurance or not. They simply have to pull behind you, run your license plate and within seconds they will know whether the car you are driving has auto insurance or not. If you are caught driving without auto insurance you are more than likely going to get a ticket and no insurance tickets usually run anywhere from $250 -$350 and if you get more than one of those tickets, they can and will suspend your license. So, now that we know we can’t go without automobile insurance lets looks at some simple tips that will help you keep your premiums as low as possible and achieve your goal of cheap auto insurance.
Increase Your Deductibles
If you are looking to decrease your monthly
premiums, then you can increase your deductible amount and your monthly
premiums will go down. Deductible amounts are usually $250, $500, $1,000,
$2,000 and $2,500. The deductible amount is the amount of money that you are
responsible to pay in the event that you file a claim. For example, if your car
needs repairs due to an accident, and the total repair bill is $3,000, and your
deductible is …
about the potential risks – Once you’re aware of the risks that are involved, you will
automatically learn to avoid them. One golden rule of thumb is to report any
abnormalities or unsafe conditions directly to your supervisors. Unless you’re
qualified to handle a certain situation, you must do everything to shun your
ego. Remember that your supervisor is obligated to maintain a safe working
environment for you and your employees. Similarly, you too are obligated to
avoid such disasters from happening. Always keep track of potential problems
and be ready to inform the ones in charge.
2. Use your
tools properly – Using inappropriate tools at critical moments is a common
occurrence in workplaces. This also contributes to the majority of injuries.
Make it a point to use the correct tools for the job and never replace one with
the other, simply because you “think” it can get the job done.
Also, make sure to properly clean your equipment. Faulty tools can
spell disaster for you and your colleagues. Clean them regularly and make sure
they are always at their 100% before putting them to use.
breaks – Working can be strenuous but that doesn’t mean you must work
around the clock. Taking breaks is very important as it freshens your mind and
keeps it alert and working at full efficiency. If your work involves complicated