Looking to snag some FREE stuff? Bloggers just love giving stuff away!
Looking to snag some FREE stuff? Bloggers just love giving stuff away!
Wanna Win Something? There are some great contests floating around the web!
Looking to pick up some free prizes on-line? Look no further! Here are some of the best around:
This is a guest post from Andrew Royster, the President of Andrew Royster Insurance Agency. I asked him if he would mind writing an article for A Frugal Chick about how to save on your insurance without compromising your coverage. I think it’s a VERY confusing topic but with everyone looking to cut back on expenses right now, knowing everything you can about your insurance makes sense!
Across the country, people continue to look for ways to stretch their budgets and cut costs. But when trying to cut costs on auto insurance, consumers should be wary of making penny wise, pound foolish decisions that could put them at risk financially.
In a rush to save money, be careful not to cut corners in areas that help protect you and your family. Although it is important to save money in the short-term, you could find yourself unable to pay for your auto repairs or for liabilities to others in the case of an accident. Since insurance is designed to help protect consumers against the unknown, it can be difficult to know how much protection is needed.
Here are some pointers to keep yourself protected while still saving money:
1. Slow down. Drivers who have had accidents or serious traffic violations usually pay more than those with clean driving records, so consider safe driving a financial investment (for example with Allstate’s safe driving discount, safe drivers can save up to 20 percent.)
2. Buy the right car. A car’s value, age, safety record and repair costs, as well as the likelihood that it could get stolen, all help determine insurance premiums. Also, certain car features may generate insurance savings. For example in most states, a car equipped with factory-installed anti-lock brakes can save you up to 10%, and airbags or motorized seatbelts could reduce your premium up to 30 percent. A brand-new, never-been-titled car could reduce your premium by 5-20 percent, depending on the state and model-year of a vehicle. (Note from Laura – I am leaving this in because it is true information but one day I will probably write a post about how I think you should never buy a brand new car. Make sure to consider the depreciation and interest rate if you are not paying cash.)
3. Pay your bill through automatic withdrawal. Many insurance companies offer payment choices through automatic withdrawal. (For example the Allstate® Easy Pay Plan offers automatic withdrawal from a person’s account and may provide a discount of up to 5% on premium, depending on the state.)
4. Study hard. In most states, full-time students who meet GPA requirements could save on auto insurance premiums with a discount of 10-20 percent.
Five things to think twice about:
1. Your deductible. The higher the deductible, the lower the premium; however, you should make sure you can afford to pay your deductible if you have an accident. Raising a deductible higher than you can afford could prevent you from being able to fully repair your car after an accident.
2. Your liability limits. If you’re at fault in an accident, you could be held legally responsible for the medical and repair costs of others. Liability coverage can help protect policyholders from these potentially devastating expenses.
3. Uninsured motorist coverage. Uninsured motorist coverage can protect you if you are injured in an auto accident caused by someone with no insurance. A recent report by the Insurance Research Council predicts that the percentage of uninsured motorists will increase nationally from 13.8 in 2007 to 16.1 percent in 2010. Consumers should review their auto insurance policies to ensure they have the coverage amounts they need.
4. Personal injury or medical payments coverage. Accidents are never planned, but planning ahead with the right insurance coverage can make a huge difference following an accident with injury. Medical Payments coverage helps pay for medical treatment for accident-related injuries. Personal Injury Protection helps reimburse people for lost income, child care expenses, medical expenses, and other costs that may result from accident injuries. Check with your local agent to find out which of these coverages are offered in your state.
5. Comprehensive coverage. Comprehensive coverage helps protect cars in situations that don’t necessarily involve other drivers or vehicles such as damage from a storm or natural disaster, vandalism, or even a falling tree. Since policies typically cap coverage at the actual cash value of the car, the older your car is, the more you might consider dropping this coverage.
Okay back to Laura from here on out:
I thought Andrew did a great job laying out some money saving tips on insurance. I have learned a few things from reading this and will be pulling my policy up online to review it. Oh but wait… I don’t have to!
Currently, the Andrew Royster Insurance Agency is offering A Frugal Chick readers – Allstate customers or not – a free review of their current insurance limits and deductibles through the “Good Hands Coverage Check-up.” They will take the time to review everything with you and suggest where you may need more or less coverage. You can contact them through their facebook page or find their contact information here. I hope you will take advantage of this great opportunity.
So now onto the Give Away! Andrew has given me a $25 Barnes and Noble Gift Card to give to one lucky reader. You can enter up to 3 times using each of these methods:
1- Leave a comment on this post telling me the last time you reviewed your car insurance and how much money you saved!
2- Like “The Andrew Royster Insurance Agency” on facebook. Then leave a comment on this post telling me you did!
3- Like “A Frugal Chick” on facebook. Then leave a comment on this post telling me you did!
This contest will continue until May 11th at noon. Then I will pick the winner using random.org. Once the winner has been selected I will e-mail them and as long as I hear back within 24 hours they will receive the $25 Barnes and Noble card!
Looking to snag some free swag? Check out some of the best Give Aways on the web right now (I will be adding more throughout the day):
Here are some of the best Give Aways from around the web:
One of the winners of the Propel Zero Gift Kits gave me an incorrect e-mail address so I have no way of reaching him/her to send them their prize.
So that leaves me one Gift Kit that I still need to Give Away! And I decided I want to give it to one of my “likes” on Facebook!
Tonight between 9:30 EST and 10:00 EST I will be live on the Facebook page to chat about “Extreme Couponing.” There will also be another status about the Flash Give Away!
Just leave a comment underneath the Flash Give Away post. At 10:00 I will go on and use random.org to pick the winner. Then I will leave a message on the Facebook page with the winners name!
As a thank you to ALL our readers we are doing something EXTRA Special! Luxury Living Frugal Style, Madame Deals, Budget Savvy Diva, This Mama Loves Her Bargains, The Coupon Challenge, Mom On Deals, Just Trying To Save Money, Living On Love and Cents, A Frugal Chick, Saving Toward a Better Life, and Stretching Your Budget have gotten together to celebrate all of you!
We are giving One Lucky reader a Coach Purse! Yes we think you are all so awesome that you deserve to win one (if we could we would have one for everyone!)
Entering is simple, Go to each blog and find the letter that they have, figure out what it spells out, and fill out the google entry form!
The Letter for this blog is E.
Participating Blogs are:
Luxury Living Frugal Style,
Budget Savvy Diva,
This Mama Loves Her Bargains,
The Coupon Challenge,
Mom On Deals,
Just Trying To Save Money,
Living On Love and Cents,
A Frugal Chick,
Saving Toward a Better Life,
Stretching Your Budget.
Disclaimer: This giveaway is sponsored by US, Coach as no affiliation with this giveaway. This Coach bag was personally bought from the Coach Factory Outlet and is authentic.
Each week A Frugal Chick is going to host a Give Away link up. Below will be Give Aways from all different kinds of bloggers. Feel free to leave your own or enter as many as you would like!
Did you know Propel has released a new line of drinks? They are Propel Zero! They have taken out the calories while keeping the same great, natural fruit flavor, offering a great way for active women and men to replenish (vitamins C & E), energize (B vitamins) and protect (antioxidants) their bodies. I snagged some of these during a special coupon event and they are good! They were a nice distraction while I was working out (I recommend grape and black cherry).
They are hosting a sweepstakes where you have a chance to get a year’s worth of Propel for FREE! Here is what you can do to win you (and me) a year’s supply of Propel:
– They will giving out sample at Walmarts so you can try to snag some for FREE
– Snap a photo of yourself with your favorite Propel Zero flavor
– Go to the Propel Zero Facebook page and “Like” them
– Upload your photo to the Propel Zero Facebook wall and answer the question: “I stay active by… ” (running, taking the stairs instead of the elevator, taking my dog for a walk, etc.)
– Tell them the name of the blogger you heard about the sampling from (A Frugal Chick!)
– Check back because one lucky winner will be announced on April 29
To celebrate Propel has given me 10 Gift Kits to give away! So ten of my lucky readers are going to snag packs of their own. Each of them contains two 20oz bottles of Propel Zero, a Propel Zero t-shirt and 3 coupons for a free single-serve Propel Zero in a drawstring backpack!
I am going to give you LOTS of chances to enter this one since I have 10 gifts to give away:
1. Like “A Frugal Chick” on facebook and leave a comment HERE telling me
2. Follow “A Frugal Chick” on twitter and leave a comment HERE telling me
3. Leave a comment telling me your favorite place to shop
4. Put this Give Away in your facebook status or tweet about it. You can do this once a day and then leave me a comment.
5. I have some great blogging friends that regularly contribute to this blog and keeping me sane. Like one of them on facebook for an additional entry:
The end date on this contest is going to be a little bit different. This contest will end EITHER 4/18 OR when A Frugal Chick has reached 3,264 “likes” on facebook. The more “likes” I have on facebook the better prizes I am able to give away.
Once the winners have been picked I will e-mail everyone. I must hear back from each within 24 hours. If not, I will move on to the next winners.
Good luck everyone!