I currently have an AMEX with a $6,000 limit and currently have a balance of $2000

I also have a Capital One Visa with a $500 limit and have a balance of $300.

My credit score is 705.

I already have 2 other checking accounts (Wachovia & ING) and another higher interest savings with ING, so I don’t want any more banking services…and I don’t plan on making any major purchases for another year or so (buying a house).

Will it bring my score down considering the new inquiry and new card? Is it worth it to open a card and save a couple bucks on car insurance, or should I just leave it be?

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A common trick that many people employ when it comes to lowering the cost of their auto insurance is to raise the deductible, that is, the amount you would be liable for in case of an accident, vandalism, and so on. Raising it from the standard $500 rate to $1000 can lower your premiums by a hundred dollars or more every six months, depending on your carrier. But should you just do this automatically, thinking that you’ll save big dollars? What are some cautions to think about?

For one thing, ask yourself what kind of driver you are. Raising your deductible to lower your auto insurance premiums by a hundred dollars or so isn’t going to save you anything if you get in an accident and need to come up with that additional $500 to get your car repaired and meet your deductible. Be honest; if you’re a very aggressive driver and you have a history of tickets, this might not be the wisest thing to do with your auto insurance policy.

Depending on your carrier, raising your deductible might not lower your premium by that much either. With some auto insurance policies it may be better to consider other ways you can save money, such as installing anti-theft devices or safety devices such as supplemental airbags, and so on. And of course the best way to keep your auto insurance policy affordable is to drive safely.

The more tickets and accidents you have, the higher your rate will be no matter what. Driving slower saves you gas and wear and tear on your car, and can lower your premium overall, so you definitely have enough reasons to consider slowing down while behind the wheel.

There’s no mistaking the fact that auto insurance can be very costly today, and many people are looking for ways to reduce that cost however they can. Some are tempted to drop their coverage altogether, reasoning that since they rarely get pulled over then they’ll never get caught. While this line of thinking is appealing to many, keep in mind that auto insurance is not some luxury and it’s not available “just in case” of an accident.

It’s actually the law that you carry some type of coverage for your vehicle, even if that coverage doesn’t include theft, vandalism, or collision. The law requires that you carry coverage for another person’s injury or property damage in case of an accident, and there’s no getting around this.

Failure to have at least this minimum amount of auto insurance can mean fines and even jail time! Additionally, if someone was to be injured or their property damaged because of your negligence and you didn’t have this coverage, you could lose your house and any other assets you may have.

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Looking to buy auto insurance in Montana? Want to get the cheapest rate with a top company? Here’s how to do it.

Montana Auto Insurance

In order to drive in the state of Montana, you need to have liability insurance. This pays to repair damage to the other person’s car, plus pay for any medical bills they incur and court awards for “pain and suffering” when you cause an auto accident.

The minimum liability coverages Montana requires are:

1. $25,000 worth of bodily injury coverage for one person involved in the accident.

2. $50,000 worth of bodily injury coverage for all people involved in the accident.

3. $10,000 worth of property damage coverage for the other person’s personal property.

Liability coverage is the most important part of your auto insurance policy, and is the only coverage you need to drive in Montana. You may, however, want to purchase additional insurance to make sure you’re totally covered.

Additional Insurance Coverage

* Collision coverage pays for repairs to your car no matter who was at fault in an accident. You can save money on this coverage by raising your deductible to an amount you can afford to pay if you were to have a claim.

* Comprehensive coverage pays for repairs to your car caused by fire, theft, vandalism, storms, or hitting an animal. You can save money on this coverage, too, by raising your deductible.

* Personal injury protection pays for bodily and property damages done to you and your passengers by another driver. You can save money on this coverage by eliminating it if you have medical insurance that already covers you.

* Uninsured motorist coverage pays for bodily and property damages done to you and your passengers by uninsured, underinsured, or hit-and-run drivers.

Get Cheap Auto Insurance in Montana

The best way to get the best price on anything is to comparison shop, and this is especially true when it comes to auto insurance. Premiums from one company to the next can vary by hundreds of dollars for the same insurance, so it pays to compare rates.

Click on the following link to get cheap cheap Montana auto insurance quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section.

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Shopping for auto insurance online? Looking for auto insurance discounters so you can get the cheapest rate? Here’s how to find them and the discounts they offer.

Auto Insurance Discounts

Auto insurance companies offer discounts for a number of different reasons. Here’s a list of the discounts that will save you the most amount of money:

* Home/auto discount – Most insurance companies will give you a 10 to 15 percent discount if you insure your car and your home or condo with them.

* Multi-car discount – Many insurers will give you a 10 to 15 percent discount if you have two or more cars and insure them with them.

* Safety and security discount – You can get a sizeable discount if you have safety and security devices installed in your car such as burglar alarms, anti-theft devices, air bags, and anti-lock brakes.

* Driver’s education discount – You can get a discount with many insurers if you’ve taken a driver’s ed course or a defensive driving course.

* Low mileage discount – You can get a discount if you drive less than the norm, especially if you drive less than 5,000 miles a year.

* Miscellaneous discounts – Different companies offer discounts for a variety of reasons – having a good driving record, being a senior, housing your car in a garage, not having filed claims, etc. Ask your agent about any discounts you may be eligible for before you buy an auto insurance policy.

Auto Insurance Discounters

Auto insurance discounters can offer cheap insurance because they keep their operating costs low.

You can find these companies by going to an insurance comparison website. There you can fill out a simple questionnaire and get rates from a number of different A-rated companies. The better sites even offer a chat service and a toll-free information line where you can get answers to your auto insurance questions. (See link below.)

If you’re in doubt about an auto insurance discounter’s reliability, you can go to your state’s insurance department website to see the number of claims that have been filed against them. You can also get consumer ratings and reviews of a company by going to epinions.com.

Click on the following link to get rates from top auto insurance discounters and see how much you can save. You can get more insurance tips in their Articles section.

Get Your Discount Auto Insurance Here

Due to some gender issues, most of the time women complain that they are getting less from what they really deserve. But not on Car Insurance, women certainly gets the lower rates and the best deals as far as auto insurance is concern.

Over the years, insurance companies agreed that women has lower risks of vehicle accident compared to male drivers because women are more graceful to its nature. They don’t attempt to make a risky maneuvers and to be reckless and rough while driving. There are 8 out of 10 male drivers has a habit of unsafe speed while heading towards the road proving that male drivers are more likely vulnerable.

Most often, male drivers takes over for a long day trips. That is why women usually gets the average lower miles driven since they drive less and acquire car insurance mileage discount from their policy.

Insurance companies has a database which stores every policyholders profile. These database shows the behavior of every insured individuals and women shown that they gets the lower accident risk to insure for a certain auto insurance policy. However, not every car insurance provider will treat every insured individuals equally. Some will acquire a high score on each gender and others will not. It is recommended to shop around as you compare sensible rates from various auto insurance company.

Keep in mind that you understand your policy which you are paying for. Talk to an assigned vehicle insurance agent and ask what is covered and not covered on your policy. An agent will relatively educate you to easily understand the scope and some terms of the coverage before signing the insurance contract.

There are several features you may acquire especially if you are a women who usually drive alone. An expert insurance agent will assist you to find several insurance companies which is ideal for women. Along with finding the right insurance provider, an agent also helps you to obtain the cheapest car insurance quotes with adequate coverage which is suitable for you. Some of the sensible coverage are the handbag cover and other form of breakdown cover which gives more consideration when shopping for car insurance.

Women is not the only gender who deserves to save hundreds on auto insurance. Everyone may obtain affordable car insurance quotes from various insurance companies. Compare those vehicle insurance quotes and pick for the best automobile insurance company which offers great deals on car insurance.

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