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Study Reveals Most Expensive Month for Auto Insurance Purchase

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You shop around for auto insurance every year, right? This habit helps you compare different companies, upgrade or downgrade your coverage based on your needs, save money and ultimately ensure you have the best possible coverage. Do you know which month offers the most affordable auto insurance?

 

When you Shop for Auto Insurance Matters

 

A recent study conducted by 4AutoInsuranceQuote.com tested auto insurance rates during a 12-month period. The results reveal that auto insurance quotes vary by as much as 48 percent based on which month you shop.

 

December is the cheapest month for auto insurance quotes. Shop during the last month of the year, and you could save up to eight percent. Unfortunately, March is the most expensive month for auto insurance purchases.

 

Where you Shop Matters

 

Your location also influences your auto insurance costs. Hawaiian residents pay up to 48 percent more when they buy a policy in March. Pennsylvania residents spend more for auto insurance when they shop in April. Some areas don't follow the norm, though. Eleven states report higher auto insurance rates in December.

 

Why do Prices Fluctuate?

 

Despite the results reported in this study, no one knows why auto insurance prices fluctuates. States each regulate their own auto insurance, which could play a role. Also, the results could change each year based on new car purchases and other factors.   

 

Find Additional Auto Insurance Savings

 

Even though March is the most expensive month in which to purchase auto insurance, you can still save money on a new policy this month.

 

1. Ask at least three different companies for a free quote. Compare the price and the coverage from all three companies as you decide if switching insurance companies is fiscally responsible.
2. Raise your deductible. Increasing it by even $250 can lower your premiums. Consider an increase of $500 or $1,000 for even greater savings. 
3. Combine policies. Insure your auto and home with the same company, and you could be eligible for a discount.
4. Upgrade your vehicle. A small SUV, a low-mileage vehicle or a car that's loaded with safety features like anti-theft devices could lower your auto insurance premiums.

 

March might be the most expensive month for auto insurance, but take time to shop around anyway. You could find big savings on this valuable coverage.
Scurich Insurance Services 831-661-5697 Website
 

GETTING OLDER MAY BE THE SECRET TO HAPPINESS

Bookmark and Share It may seem illogical, but in order to be truly happy, you need to age. The years between 60 and 80 are the time when the majority of people are the most joyful, this according to a recent survey conducted for bank HSBC.

So how do all of these people in their 60s and 70s find the key to happiness? It starts with obvious factors such as good health and a respectable standard of living; but even these don't make as large a contribution to one's happiness as you might think. In fact, there aren't really any external factors that play a part in making people happy. Happiness is a natural outcome of aging that originates from within. That's because the frequency with which negative feelings occur actually declines as you advance in years; and when they do happen, they don't last as long as when you are younger.

Of course, the level of happiness you achieve varies according to the individual. Your genetic makeup influences how happy you will be, as does your parents' happiness. Your health can influence how content you are, too. People who are severely ill aren't as happy as those in excellent health. But that's true at all ages. The odd thing is that when researchers compared the morale of frail older adults to younger adults, the older adults beat the youngsters in the happiness department hands down, in spite of their infirmity.

The reason older adults can remain happy is probably related to their desire to make the most of the time they have left. Knowing that the clock is ticking makes people figure out the things that make them angry, and then either learn how to avoid them, or what they can do to cope.

Researchers also noted that brain function changes with aging. Brain imaging studies found that older peoples' brains react less strongly, and for a shorter period of time, to negative feelings. They concluded that one's improved outlook on life is probably a combination of changes in perspective, and changes to the amygdalae, a part of the brain that processes emotion

Another change that comes with age is less emphasis on how much money one has. Money only seems to have any real importance for those who are struggling to meet their every day expenses. People that have a steady stream of income for life, no matter how small, learn to adjust to their new financial circumstances and find contentment

Finally, continuing to engage in activities that you feel are important will add to your happiness. These activities need to be things that make a contribution like taking care of a grandchild, doing volunteer work, or working in a second career. Getting involved is life enhancing, and a little appreciation of life's simple pleasures goes a long way on the road to happiness.
Scurich Insurance Services 831-661-5697 Website
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