Did you know there is actually a way to save money on your insurance policy?
These 10 Auto Insurance Tips could help you save and keep more money in your pocket each month:
Combine your insurance.
Insurance companies like California Casualty offer discounts when your home or renters insurance is combined with your auto insurance.
Increase your deductibles.
Sure, the amount you will pay will be a little more if something happens to your vehicle, but the amount you’ll save each month could add up to much more, especially if you are incident-free for a number of years. Just make sure you have an emergency fund to cover that higher deductible.
Check for good driver/good student discounts.
Speaking of incident-free, when’s the last time you had an accident or a moving violation. Most insurance companies will give you a good driver discount, but make sure you tell them. The same goes for students who get good grades.
Take a defensive driving course.
When’s the last time you refreshed your skills? You may qualify for a discount after showing proof that you have completed a safe driving program.
Check insurance costs when buying a new vehicle.
Many vehicles will cost you less; others will increase your premiums. It depends on numerous criteria from the power of the engine, its safety rating and the loss history of the vehicle.
Clean up your credit.
Many companies look at your credit score and how well you do in paying your bills. The better your credit score, the better rate you are likely to receive. Clean credit also helps when you want to buy a new car, rent or buy a home, etc.
Cut your driving.
Ride a bike, join a carpool or move closer to work. How many miles you drive each year can affect your rates; the less you drive, the greater the possible discount.
Pay your premium in full each year.
Not only can you get a discount but you will avoid monthly service charges.
Get a policy review.
Has your commute changed? Did you install a security device? Did you get married? All of these can lower your rates. Talking with your insurance advisor at least once a year is the best way to make sure you get the discounts you’re entitled to. Follow this insurance coverage checklist.
Compare your current insurance to California Casualty.
We are pretty certain that when you stop and compare benefits and prices, California Casualty will be right there with the best of them. Why? We are a 100-year-old, policyholder owned company that provides auto and home insurance to educators, firefighters, LEOs and nurses with exclusive benefits not available to the general public.
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This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
Teachers play one of the most important roles in our lives growing up. They are our role models, our best friends, our confidants, our parents away from home, and so much more. Teachers are continually molding the minds of children and young adults all over the world to prepare them to be the next citizens and leaders in our society. Without exaggeration, they are changing lives every single day. discounts for teachers
With all that teachers give to us, it is important that we give back to them. So, just in time for back-to-school, we have rounded up a list of companies that offer discounts for teachers as a, “thank you” for what they do.
Each store is linked for you convenience, just click on the stores name, and it will direct you to their discount page!
Target: July 13-20 get a 15% off discount on back to school essentials and supplies in store and online
Michaels: 15% discounts for teachers year-round and special sales for educators throughout the year
Staples: 5/1-9/15 The Classroom Rewards Program lets 5% of each purchase by parents go back to the teacher of their choice as long as they are signed up for Staples Rewards
Office Depot and OfficeMax: 7/14–9/28 Teachers can get 20% back in rewards on qualifying in-store purchased as long as they are signed up for Office Depot OfficeMax Rewards
JOANN: 15% off discounts for teachers on every purchase daily
The Container Store: year-round discounts for teachers exclusively through email when you sign up for their free Organized Teacher Discount Program
Meijer: 7/7-9/28 use their 15% off with coupon for select school and office supplies; teachers can get a new coupon every time they shop in-store at the service desk
Lakeshore Learning Store: 15% off in-store qualifying items when you join their Teachers Club Members
Also be sure to check out Discount School Supply and Dollar Tree in-store and online, for amazing prices year round on all back-to-school essentials.
Books-A-Million: 20% off discount on all items purchased in-store and free online shipping year-round with a free Books-A-Million Educator’s Discount Program Card
Barnes and Noble: 20% off publisher’s list price all purchases for the classroom
Half Price Books: 10% off year-round with an Educator Discount Card
Book Warehouse: 15% off in-store purchases when you sign up for their free Educators Book Club
Thriftbooks: offers 15% off all used class sets when you have 20 or more used books in your cart and you use code “APPLE” at check out
Another resource to find cheap books is First Book Marketplace, where all books are 50-90% off and they have free resources. They also have discounted supplies and basic needs for children including snacks, personal hygiene items, and clothing.
PBS: PBS Learning Media offers free standard-aligned videos, interactive, lesson plans, and more
National Geographic: offers free activities, lesson plans, videos, infographics, photos, and more for Pre-K- Higher Ed
BLICK: offers free lesson plans and educational videos for visual arts education, and will also offer your school a discount if you purchase art supplies in large quantities
redwritethink: offers free lesson plans, student interactivities, calendar activities, and print outs in reading, writing, grammar, critical thinking and more for grades K-12
COMMONLIT: offers a free digital library of fiction and nonfiction for 3rd-12th grade classrooms
NASA for Educators: offers hundreds of resources for free that support the STEM curriculum
sharemylesson: offers thousands of free lesson plans that you can manually align to your standards of teaching, they even have lesson plans to focus on gifted students and students with disabilities
Scholastic: offers free lesson plans, classroom printables, posters, calendars, apps, and other resources as well as discounted books
Madewell: 15% off your entire in-store purchase when you show your Teacher ID
LOFT: 15% off your entire purchase when you show your Teacher ID
Banana Republic: 15% off your entire full-priced, in-store purchase when you show your teacher ID
J. CREW: 15% off your purchase with your Teacher ID
New York and Co.: 15% off your entire in-store purchase when you show your Teacher ID
Talbots: 15% off a full-priced purchase when you show your Teacher ID
Be sure to enter the $2,500 Academic Award Giveaway from California Casualty for your chance to win $2,500 to purchase supplies for your students and your classroom!
Happy back-to-school preparation! 🙂
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters and nurses. Get a free quote by calling 1.866.704.8614, or visit www.calcas.com.
Now that spring is officially here, it’s time for some spring cleaning. We’re not just talking about your home, but also your finances. Before your mind goes into panic mode, we have a simple checklist to go through so you don’t feel behind and lose the stress of finances.
Let’s walk through an easy checklist to keep your finances in check this spring.
- Start by organizing your bills and making a list. Go over your bank statements, documents, receipts, and files for a fresh starting point.
- Work with Whole Numbers. Try rounding balances up to the nearest dollar. Not only, does the spare change add up, but it makes budgeting much easier. (And your spare change can be put towards savings.) It will also give a sense of control.
- Update Your Budget. Now that you have a list of your expenses, update your budget and make sure that it stays current. Can you be putting more towards savings with your recent promotion? What other expenses can you cut back on?
- Check Your Credit Score. Don’t let this scare you. Seeing the hard numbers can help you figure out what is a top priority to focus paying off.
- Make a Big Payment. Now that you have seen your credit score, and budget. Making a big payment can help make a leap towards paying off that credit card. And you’ll feel relieved you did it.
- Clean Out Your Wallet. Get rid of unnecessary receipts and paper clutter you may have. Organize your cash, bank cards, etc.
- Make it a Habit. Finally, start a routine for your finances. Shred documents after calculating in the budget. Practice putting cash into a savings account. Add $50 or more to each credit card payment, or what works within your budget.
These easy steps can help to ease your mind about budgeting. Spring cleaning your finances gives a peace of mind and a refresh to a scary task no one likes to face daily.