Ten Questions - the Insider's Guide to Saving Money on Auto Insurance: Hidden Discounts Revealed

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Overview

How much do you pay for your auto insurance? If you are reading this, the answer is most likely "too much!" You are looking for information that will help you save your hard-earned dollars, and you have found it.

Ten Questions has been completely updated, revised, and expanded for 2012. It has also been reformatted for the Kindle at last, and the most effective way to use the guide is to own both the ebook and paperback versions.

Ten Questions ...

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Ten Questions - The Insider's Guide to Saving Money on Auto Insurance: Hidden Discounts Revealed

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Overview

How much do you pay for your auto insurance? If you are reading this, the answer is most likely "too much!" You are looking for information that will help you save your hard-earned dollars, and you have found it.

Ten Questions has been completely updated, revised, and expanded for 2012. It has also been reformatted for the Kindle at last, and the most effective way to use the guide is to own both the ebook and paperback versions.

Ten Questions is not a book for "dummies," but it is an easy to use, half-hour read, specifically designed to help save you money.

It is a comprehensive and detailed explanation of the underwriting process involved in determining the amount of premium you pay. The facts and clear examples included in the guide are based on my years of experience as a top-rated Sales Agent, and the thousands of auto insurance policies I personally have sold.

Chapter One, "Risk" will help you understand what factors are used to determine your rating "tier," and how to improve them. The amount of premium you pay is determined by the amount of "risk" you are seen to represent. Much of that determination is made through your answers to a series of questions you will be asked, either online, or in person by an agent. These are the "Ten Questions" referred to in the title.

Chapter Two, "Discounts" contains a detailed description of nearly every available auto insurance discount, and how to obtain them. A single 5% discount that you have been missing each policy term is costing you far more than this guide will. You will also gain the knowledge that you will need to progressively lower your rates over time.

Chapter Three, "Coverages" is a comprehensive explanation of nearly every available auto insurance coverage, including what each one does, (and does not do) for you, and how to the determine the proper balance of cost versus benefit when choosing them. When you finish reading it, you will know more about auto insurance than most agents do. Ten Questions isn't about getting the cheapest policy at the cheapest price: It's about getting the best policy at the best price.

Chapter Four, "Sample Quote Process," is your ultimate weapon in getting your new policy, because it details an actual phone quote in real time, along with the "correct" answers to the "Ten Questions." Knowledge is power, and this guide is a very powerful tool that you will be able to use as long as you are driving and insuring vehicles.

Advanced Topics is new for 2012,and this section includes "Youthful Driver Strategies," and "State Specific Information," such as a layman's explanation of so-called "No-Fault" coverages, and "Full," versus "Limited" Tort.

The Appendix contains all the technical terms that are used in the guide, to help you understand the "trade talk" in the auto insurance industry.

This guide will save you money in several ways, including:

  • It will help you find and qualify for discounts.
  • It will show you how to improve your rating tier, and lower your "base rate."
  • It will help you allocate your premium dollars more effectively, so that you get the best coverage at the best price.

Find out what the insurance companies don't want you to know, like the fact that you can switch carriers any time you want, as often as you want. You do not have to wait until your current policy renews in order to do so.

Learn the answers to the Ten Questions today, and get a better policy for less money, tomorrow.

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Editorial Reviews

Vinny Barks
This book is a huge eye opener for those of us who don't know about the insurance "DISCOUNT QUESTIONS." The answer to these questions are VITAL and will affect your insurance premium. This book has ALL the answers and educates the potential driver on how to SAVE money!!! A real no brainer!!!! Easy reading and must know info for you and all of your family and friends. I sell cars for a living and I saved well off $125 on my 6 month premium!!! Check it out and save!!!!
Goodreads - Heather P.
I liked this book because Mr. David really breaks down the questions you should ask your auto insurance agent and how to get the best deal for your needs at the lowest cost. He doesn’t dumb it down, but talks to the reader as through he is talking to you directly in his office. He points out areas where you can save but most agents don’t tell you about.
Midwest Book Review - William Buhle
"Ten Questions . . . Hidden Discounts Revealed discusses how to crack down on one's auto insurance bill . . . From finding discounts, improving one's rating, and much more . . . Ten Questions is an excellent and much recommended pick for anyone struggling with their auto insurance."
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Product Details

  • ISBN-13: 9781461089346
  • Publisher: CreateSpace Independent Publishing Platform
  • Publication date: 11/19/2010
  • Pages: 78
  • Product dimensions: 8.00 (w) x 10.00 (h) x 0.16 (d)

Meet the Author

John David has personally written thousands of auto insurance policies in 30 different states, including the "complex" ones like New York, New Jersey, and Michigan.

He was the # 1 ranked Sales Agent nationwide for 15 consecutive months, writing for a major online-based auto insurance carrier.

John has won multiple awards for sales performance and innovation, as well as for writing and editing in various media.

He has devoted hundreds of hours of labor, at great professional risk, to bring the information contained in this guide to the insurance consumer.

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Customer Reviews

Average Rating 4.5
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Sort by: Showing all of 4 Customer Reviews
  • Anonymous

    Posted November 21, 2010

    Great for anyone who wants to save money on their auto insurance!

    Great for anyone who wants to save money on their auto insurance! This guide contains enough useful information to help anyone make smart decisions about their auto insurance, and save money at the same time.

    1 out of 1 people found this review helpful.

    Was this review helpful? Yes  No   Report this review
  • Posted March 30, 2012

    “Ten Questions: The Insider’s Guide to Saving Money

    “Ten Questions: The Insider’s Guide to Saving Money on Auto Insurance” by John David doesn’t really need much of an introduction. The title explains it all. Mr. David has written thousands of auto insurance policies in 30 states and was ranked #1 Sales Agent nationwide. He definitely knows about auto insurance.

    I liked this book because Mr. David really breaks down the questions you should ask your auto insurance agent and how to get the best deal for your needs at the lowest cost. He doesn’t dumb it down, but talks to the reader as through he is talking to you directly in his office. He points out areas where you can save but most agents don’t tell you about. He covers the following areas:

    Risk
    Discounts
    Coverages
    Claims

    He even offers a sample quote process and where he goes step by step through the phone conversation you should have with your agent.

    This book is a must-read for anyone who owns an automobile. You will feel more empowered to get the discounts that you need and the coverage that you need.


    **This book was received for free through Goodreads First Reads. That in no way influenced my review.**

    Was this review helpful? Yes  No   Report this review
  • Posted February 2, 2011

    THE ONLY "FIFTEEN MINUTES" YOU NEED - WHAT A FIND!

    I was recommended from a friend to read this book, and was curious even though I was not looking to shop insurance at the time. The informative content resulted in a savings of $1716 a year for our three vehicle/3 driver policy...without changing carriers!

    I flew through the chapters with ease. J. David's writing style seemingly took my hand and guided me through a usually uncomfortable, forced process with expert navigation. Each step was more exciting than the last as I found myself jotting down notes, ferviously thinking I might miss or forget a tip or trick. Before I realized it, I was "wearing" a tool belt equipped with user friendly, comprehensive answers at my disposable. I was anxious to put my quick-draw tools to the test.

    This guide is a must have for every demographic. Ten Questions is invaluable, and should be a mandatory reference for consumers. J. David makes an otherwise dull subject entertaining. Don't be surprised if you look over your shoulder whilst reading and wonder if anyone can see the secrets being revealed. When can we expect another book about home or life as well? All in all, I was left asking, "Has Clark Howard heard of this?"

    Was this review helpful? Yes  No   Report this review
  • Anonymous

    Posted October 27, 2011

    No text was provided for this review.

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