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Joe Jaspers, CFP®
Vice President, Wealth Management
Carolinas Telco Capital Advisors
Located at Carolinas Telco FCU
9813 South Blvd, Suite 101
Charlotte, NC 28273
Phone: 704-391-5600
Toll Free: 800-622-5305, ext. 2608
Fax: 704-556-1652
Email: joe.jaspers@lpl.com
September/October 2020
Lower Auto Insurance Costs
Most states will require that you carry liability coverage. This can prove costly, especially if you are in a higher risk group or have a poor driving record. And if you have a newer car, you may want to carry additional collision and comprehensive insurance to cover your car. There are ways, however, to lower your total insurance costs.
Common Sense
Teens can’t become older drivers overnight to qualify for lower rates, but they can become safer drivers. If you’re young, good grades may get you a better rate. If you’re older, a defensive driving course could lower premiums. Consider dropping collision insurance on older vehicles, since they will drop in value with age. Collision coverage won’t pay more than fair value for a total loss. Bundle other insurance policies with the same insurer for a discount and, in some states, get an additional discount for good credit or improving it. If you’re in the market to buy a car, understand that some models will cost more to insure than others.Other Ways to Save
Anti-theft devices, low driving mileage and increased deductibles also lower premiums. Ultimately, do your homework when looking for auto insurance and shop around to lower your total expenses.CONTACT US
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Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Carolinas Telco FCU and Carolinas Telco Capital Advisors are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using Carolinas Telco Capital Advisors, and may also be employees of Carolinas Telco FCU. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of, Carolinas Telco FCU or Carolinas Telco Capital Advisors. Securities and insurance offered through LPL or its affiliates are:
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