Primerica

• Save on Auto Insurance with Primerica Secure™

• by Amy Wilson

If you’re like many people, trimming your budget is a necessity in this tough economy. Making cuts in everyday spending is a good place to start, but did you know you could be shelling out a lot more cash than you need to each month to protect one of your largest assets?

If you have a car, you must have auto insurance. Primerica, the largest independent financial services marketing organization in North America, offers three tips to trim auto insurance expenses and help you make the most of your hard earned dollars!

Tip #1: Downsize Coverage
Raising your deductible can save you money, just make sure you can cover the increased deductible out of pocket. If your car is at least five years old, dropping collision and comprehensive coverage could reduce your premium by 25-40%.¹ (If you still owe money on the car, the lender may require you to keep this coverage.)

Tip #2: Bargain Hunt
Most common is the multiple policy discount, which can lower your rate 10-20%.¹ Other discounts include safe driver, good student and cars with anti-theft devices. If you drive less than 10,000 miles a year, you could qualify for a low mileage discount.

Tip #3: Shop Around
Auto insurance is a highly competitive business and it’s to your benefit to shop around every six months. Simply comparing quotes could save you hundreds of dollars a year.² Through Primerica Secure™, Primerica’s auto and homeowner’s insurance referral program, the average client saves as much as $478 annually!³ Primerica Secure does the shopping for you, and presents you with multiple options so you can make the best choice for your needs and budget.

To get started, or for more information, contact your local Primerica representative!

1 Kiplinger’s, September 2009
2 The Wall Street Journal, October 7, 2009
3 The average savings amount is based on a survey of insurance premium information provided by 567 purchasers of insurance from Answer Financial between January 1, 2009, and March 31, 2009.

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Tags: auto insurance, bargain, car, finances, insurance, Primerica, Primerica Secure

Posted in Primerica |

• Get Proper Insurance Protection

• by Kerry Maffeo

In today’s uncertain economic climate, the last thing you and your family need is to be financially vulnerable. Homeowner’s insurance and life insurance are two key areas that many people overlook or undervalue. In fact, 66% of homeowners are underinsured by an average of 18%¹ and an estimated 68 million Americans have no life insurance.²

Primerica encourages you to review your coverage to make sure your home and income are adequately protected.

Homeowner’s Insurance: Homeowner’s insurance should cover 100% of the cost to rebuild, not the home’s value (including the land). That amount of coverage protects you regardless of real estate market fluctuations. Concerned about the increased cost of correct coverage?

Consider changing your annual deductible from $500 to $1,000 and you can save about 20% on premium costs. Shopping around is another great way to potentially save money for the same coverage. It’s a good idea to get new quotes from multiple insurers every two years. Contact your local Primerica Representative to learn about Primerica Secure™, Primerica’s auto & homeowner’s insurance referral program.

Life Insurance: If you have children and are still relying on just your employer for life insurance, you are most likely under protected. If any significant life changes have occurred throughout the year – such as the birth of a child – you will need to review your policy to make sure it still meets your needs. Experts recommend that a family with young children have coverage that’s 10 times the parents’ annual income.³

Even if you think you already have the right homeowner’s or life insurance, it’s not a bad idea to get a second look. For more than 30 years, Primerica has offered financial solutions tailor‑made to each individual client’s needs. Visit Primerica Financial Needs Analysis to find out what Primerica can do for you.

1. SmartMoney, September 2008
2. Reuters.com, August 20, 2008
3. MSNMoney.com, viewed November 14, 2008

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Tags: economic, FNA, homeowner's insurance, life insurance, Primerica, Primerica FNA, Primerica Secure, protection, term, term life insurance

Posted in Primerica, Tips |