Archive for February 2021

How to Get the Best Rates on Your Products and Services

Life is expensive. No matter how many monthly payments you have, it’s always good to double-check to see where you can cut costs. Whether it’s price shopping for a new roadside assistance program or comparing interest rates for borrowers on adjustable-rate mortgages, taking the time to reassess bills and expenses on a regular basis is important to an overall budget and lifestyle. If you’re interested in learning new ways to save on your products and services, read on.

Road Assistance and Other Services

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The key to getting the best deal on something like the best roadside assistance is shopping around, looking for discounts, and enrolling in services at the right times. For lower rates on any type of service, you’ll want to do some homework and read the fine print. While many companies will gladly sign you up for a service at a low rate or as part of a package, those monthly payments can jump quickly if you aren’t paying attention.

Maybe you signed up for a roadside service as part of a new vehicle package or because you’re a member of an auto club. At the time, signing up probably sounded like a good deal. For months, you’ve had the luxury of the best roadside service and peace of mind. The trouble is that with the passing of time, that same service has gone up and you’re now locked into a monthly payment. The best way to handle a situation like this is to call the company providing the service. Ask for discounts or cancel the service altogether. Then, do a little price shopping and cost comparing to find a new roadside assistance provider without the fine print.

Mortgage Rates

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Maybe you’re curious about current home loan interest rates in Australia but have heard horror stories about interest rates jumping or monthly payments that were just too steep. Start by asking family members about their current rates and pull out the calculator. If you aren’t getting at least an average rate, it may be time to consider refinancing. If you’re thinking about a new home loan this is a great opportunity to do some cost comparing. By slowing down and comparing at least three companies for your mortgage loan, you’ll be doing yourself a favor and come up with extra money for savings or other important needs.

Insurance Company Rates

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A smart way to protect our homes, finances, and overall lifestyles, is to carry insurances. Whether for our physical bodies with supplemental health insurance or for vehicles and homes, insurance is likely one of your regular monthly payments. Here’s another opportunity to shop around. If you signed up for travel insurance or homeowners insurance without comparing pricing, you still have time to shop around. Go online and look for companies with discounts or coupons.

Call your current company and tell them about competitor rates that may be lower than yours. If you’re happy with your current coverage or services, they might be willing to work with you to meet that cost. An important factor in saving money on services and products is being willing to pick up the phone and communicate with the companies you’re tied to.

In the end, making cost comparisons and being on the regular lookout for low-interest rates and cheaper services will add up in the long run. While it takes work to keep monthly mortgage payments or health insurance premiums low, shaking things up and changing services could be the best thing you do to save yourself money every month. As you go, pay attention to additional costs and fees associated with changing service providers. Those could sneak up on you, too. In reading the fine print and asking questions, you’ll be well on your way to more savings.

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