Q: While I’m buying my car, I come to his crunch time every month where I’m barely able to scrounge up enough money to pay for my big car note and my enormous monthly Tulsa SR22 car insurance premium. Is there some way I can make this easier?

A: The main thing you want to do to get some of the trouble off of your back is to get a cheaper Tulsa SR22 car insurance premium. An immediate way you can save several hundred dollars would be for you to raise the deductible on your comprehensive and collision coverage. By raising his deductible, you are taking more risk onto yourself and off of the car insurance company’s shoulders, and so they reward you by lowering your premium. Even just a few more hundred dollars for a deductible can shave a hundred dollars from your monthly premium.

At the least, you want to have a one thousand dollar deductible on your Tulsa SR22 policy for each of the full coverage categories which require deductibles. For the maximum amount of savings, raise the deductible as high as they will allow you, usually somewhere between $1500 and $2500. People usually need to file a claim with their car insurance company one out of five years, so it’s not likely you’ll be paying that deductible very often, and you’ll save more than you spend.