Last updated: 1/2012

of Americans Overpay For Their Car Insurance....

Discover the 12 Simple Formulas you can use to Get Low Cost Car Insurance....
And Slash Your Car Insurance Costs up to 67% For Life....
No Matter What State You Live In....
Your Age....
What Your Driving Record Looks Like....
And Even If You Have Less Than Perfect Credit

In Fact, If You've Paid Your Car Insurance Bill Recently....You're Going To Get A Refund.

Dear Reader,

If you had talked to Mike Doyle that day, you?d know why he was in such a lousy mood.

Two teenage drivers on his car insurance policy. One with two speeding tickets in 6 months and the other with a recent accident on her driving record. And Mike? He was getting absolutely slammed by his car insurance company.

His car insurance was going to cost $1,137 more the coming year - that was a whopping 43% increase.

Mike first turned to what most folks do - he called around to different car insurance companies to see if he could find low car insurance. It didn't happen. These other companies were going to charge him more than what his company wanted.

But when he spent several minutes reviewing the dead-simple
guide I'm about to describe, his entire outlook changed.

Today, after faithfully following the guide, he's actually paying $93 less than what he was paying....even with the teenage-terrors on his policy. He went from staring at an $1,137 increase to a $93 decrease. Imagine that!

All Mike did was -

Discover the exact coverage he needed (nothing more - nothing less) and not what the insurance company told him he needed;
And how to set-up his coverage based on his financial situation and personal needs so he'd be paying the absolute minimum for the coverage he needed.
Hi, my name is Tom O'Leary. I live in the Greater Cincinnati area with my wife, three kids, two dogs and a cat. I'm an Automotive Portfolio Analyst - which is a fancy title for an automotive consultant. I help small, medium and large businesses manage their automotive fleets - particularly leasing, maintenance and fleet insurance issues - and in my eight years as a consultant, I have saved these businesses well over $300 million dollars.

I also own a small consulting firm that helps small businesses increase sales and I help regular folks like you with car buying advice on another website I recently purchased - www.mynewcarpurchase.com. And that's how all of this started.

Two years ago, I was at a Christmas party and someone brought up car insurance costs. I couldn't believe what some of these families were paying for car insurance. One guy was paying more than $2,200 a year. Another was paying almost $3,000. I thought to myself, "how in the world could their car insurance cost that much."

So I jumped into the conversation and passed along a little wisdom about how to get the car insurance they needed at a much lower price.

Long story short, I agreed to send out a few tips by e-mail to four friends who were interested. A few days later, it had mushroomed out of control.

I ended up getting 47 requests for advice in the next month. The result - that little e-mail I was sending out had helped my friends save $48,631.87 on their car insurance.

I thought to myself, "How many other regular folks out there are being taken advantage of and overpaying for car insurance?"

Turns out, it's millions of people just like you. You see, the car insurance industry is spending more than a Billions of Dollars a year on TV and radio advertising to get you to call or hop online "so you can cut your car insurance costs by up to 15%" or "save up to $300 when you you switch to us". In fact, Gieco and Progressive Insurance spent well over a Billion dollars last year on their advertising.

Why are they spending so much money to try and get you to switch?

Because providing car insurance coverage is a License to Print Money....these companies know that more than 90% of U.S. customers are overpaying for their car insurance coverage....don't even know it....and have no idea about how to stop it.

Here's three important facts I want you to know right now:
If you've ever let an Agent or Car Insurance Company "help" set-up up your car insurance policy, I guarantee you're overpaying by at least 50% because you've let them hold your hand and guide your decisions which automatically doubles your car insurance costs.
If you've ever thought those TV and Radio commercials were "just the thing for you" - I guarantee that if you buy into their promises now, you'll be steaming mad in 18 months when they raise your insurance rates due to a "Market Adjustment".
Do you trust your Politicians? Here's another reason not to - many States allow car insurance companies to add expensive and useless coverages to your policy....and the only way to get it removed is for you to cancel it....in writing. Bet you didn't know that.

The fact is, if you're waiting around for your car insurance company to help lower your costs, or that state Governments will protect you, it'll never happen.

You've got to do it yourself, and I want to help.

To make that happen, I wrote a simple, easy-to-use guide that lays out 12 Formulas using business theories of money management (my job), practical nitty-gritty tips, tricks, and tactics that you can use to get rock-bottom, low cost car insurance....for life...all in less than 60 minutes.
Then I gave it a name - "How To Get Low Cost Car Insurance For Life" - and made the guide available.

How Much Does Your Car Insurance Cost Each Year?
Want To Cut That Cost In Half?
Are you paying eight hundred dollars a year? One thousand? Two thousand dollars? Four thousand dollars or more? Whatever amount you're paying for car insurance, it's to much.

You can expect to spend an average - are you ready for this - $109,523.00 during your lifetime. More than a hundred-grand on car insurance - unbelievable! A few will spend less. Most will spend more....a lot more. It doesn't have to be that way.

Can you do me a quick favor right now?
Just check-off any of the questions below that apply to you.

(Simply check Yes or No)
1.Do you write a check for your car insurance monthly, quarterly or bi-annually....and wish you weren't paying so much?

Yes No

2.Are you a single Parent, struggling to pay your car insurance and other bills?

Yes No

3.Are you a Parent with Teenagers on your Car Insurance Policy....and wish you could find a way to lower your car insurance costs?

Yes No

4.Are you a teenager or twenty-something paying for car insurance on your own and are ticked off because your car insurance company charges you so much?

Yes No

5.Have your car insurance rates raced out of control because of an accident or because you've gotten too many speeding tickets?

Yes No

6.Do you have less than perfect credit and are being punished by your car insurance company with ridiculously high rates?Yes No

If you answered yes to one or more of the questions listed above, you're not alone. If you want to lower your car insurance costs - read on.

Low Cost Car Insurance For Life In Less Than 1 Hour

As you read earlier, picking up the phone and calling one of the car insurance companies that spends $500+ million a year on advertising is not the way to lower your car insurance.

To get the absolute lowest cost car insurance, all you have to do is:
Implement a few common-sense rules and a large number of little-known strategies that will show you how to modify your coverage with the exact coverage you need at the lowest possible cost (expected savings of up to 50%).
And if you're greedy (like me)....shop for Coverage from Car Insurance Companies (not the ones you see on TV and hear on the Radio) that offer new customers fantastic coverage and a significant discount (expected savings of up to another 17%)

And the simple truth is, "How To Get Low Cost Car Insurance For Life" will show you how to do both....in about an hour.

Here?s just a sampling of the practical, everyday, nitty-gritty tips, tricks, and tactics you?ll discover in this amazing guide....

You've Gotten a Ticket...and Your Rates Are Going To Go Through the Roof: That's true - your car insurance rates will go up fifteen to twenty percent and stay that way for the next three years. No big deal. Just implement the Car Insurance Formulas and you'll cut your total car insurance costs by up to 50%.
You Get Hit By Another Driver, It's Not Your Fault, And Your Car Insurance Rate Go Up Anyway: Yep, your rates can go up ten to twenty percent for the next three years, even if it's not your fault. Use the Car Insurance Formulas to "get even" with your car insurance company and make that rate increase meaningless.
Don't Have Health Insurance - Or Do You Have Inadequate Health Insurance?: Find out how you can buy Health Insurance for a couple of pennies a day....compliments of your car insurance company.
Why Your Car Insurance Company or Agent Doesn't Want to Talk About Your Vehicles Safety Features: There are 9 very well known safety features your vehicle might have and you're probably only getting a discount for 2 or 3. Find out how to get a complete list of your vehicles safety features and get up to a 15% discount.
Lifestyle and Behavior Discounts You're Missing Out On: 24 examples or real life discounts you might qualify for that your car insurance company will rarely ever tell you about - and that means you might be missing out on an additional 10% discount.
Four Financial Strategies that No Car Insurance Company Advertises: By using these four strategies, you can wrestle another 6% discount from your Car Insurance Company.
How One Simple Change To Your Car Insurance Can Cut Your Costs Up To 40%: Why Car Insurance Companies use "scare tactics" to get you to overpay for this required coverage - and it cost's you a fortune.
Why Those Driving Older Cars Are Throwing Money Away: See the costly mistake that people make when they insure an older car like a new one - and how to eliminate this coverage if you don't need it.
Scary Legal Issues and Why You Overpay For This Required Coverage: How car insurance companies get you to pay three times what you should be paying - and how to beat them at their own game.
A Huge Mistake that the Wealthy Make when Insuring their Vehicles: See the costly blunder that many folks with substantial assets make - and why they could be putting all their wealth at risk.
What 2 Changes You Must Make To This Required Coverage If You Want To Save Any Money: How to pay the absolute minimum for this coverage - and you can implement these 2 tips in less than 47 seconds.
How Many State Politicians Got Into The Car Insurance Business and Why It's Costing You A Bundle: You'll be outraged at what your politicians have done. I'll show you how to gut the cost for this coverage if you must have it - and make it clear, once and for all, who doesn't need this coverage they've been paying on for years.
Why Those Who Live In No-Fault States Pay 19% More For Car Insurance - And What To Do About It: 13 States require no-fault coverage - See how to cut the cost of that coverage by 50% by doing two simple things.
Another Coverage (Created By Politicians) That Adds a Bundle To Your Insurance Costs: This little beauty - called Personal Injury Protection (PIP) is required in 16 States - I'll show you two techniques to cut this cost dramatically.
The Medical Coverage/Medical Payments Fiasco: Find out who is required by law to have this coverage, who doesn't and why 40% of those who don't need it....are paying for coverage they don't need.
How "Loss Of" Coverage's Are A Money-Sucking Waste of Cash: See how these extra coverage's that your Car Insurance Company sold you can be bought elsewhere....for 10 times less than what they're charging you.
Do You Have Roadside Assistance or Rental Car Reimbursement On Your Policy?: Then you're paying 2 times what you should for this coverage. And....find out why your Car Insurance Company will raise your insurance rates if you ever use them.
What Does Your State Require?: Review a complete list of all 50 States - see what your State requires, what special steps you might have to take so your car insurance company doesn't automatically add certain coverage's and make sure your car insurance company doesn't get one-red-cent more than they deserve.
What Questions You Need To Ask Your Car Insurance Company and When You Need To Ask Them: A complete checklist for you to use so you know what to say, when to say it, and tips you can use if your car insurance company starts using tricky sales tactics - the checklist is what you use to put your new-found knowledge to work - and slash your car insurance cost's forever.
Why The Car Insurance Companies That Bombard the Airways With Their Advertising Are The Worst Places To Shop For Car Insurance: And you'll discover six auto insurance companies with superior service and great rates - some you've probably never heard of - that can spank the living daylights out of the BIG car insurance companies and get you perhaps another 17% discount.
And much, much more (to see the Table of Contents click here).

PLUS, you get 3 Bonuses

Bonus #1 - a $19 Value

What Car Insurance Companies & Banks Don?t Tell You....And Why It Can Lead To Bankruptcy: The 3 little ?weasel words? in your Auto Insurance Policy that can leave you owing your Bank thousands of dollars if your vehicle is ever totaled. Find out how to eliminate this risk.

Bonus #2 - a $17 Value

Diminished Value Secrets: If your car, truck, SUV or minivan is ever heavily damaged in an accident, you?re going to lose thousands of dollars when you try to sell it. Find out how to eliminate this nasty little surprise.

Bonus #3 - a $21 Value

How To Get The Best New Car Prices?.The First Time ? Every Time: (I had to throw this in - it's part of what I help my clients with....and it can help you too.) Whether you?re planning on buying a new car, truck, SUV or minivan next week?.or 3 years from now, discover the 1 technique that Businesses use every day when they buy or lease that makes the Car Dealers ?Roll Over and Play Dead? - and save you $1,000's of dollars on your next car purchase.

So, you get "How To Get Low Cost Car Insurance For Life" and the three Bonuses that together are, hands-down, the absolute best guides available on slashing your car insurance expenses and other related expenses...immediately.

Remember, the average lifetime car insurance expense is $109,523.00.

With "How To Get Low Cost Car Insurance For Life", you can cut that cost in half - $54,761.50 - that folks is cold, hard cash that you get to keep for yourself.

That can mean an extra $928.16 in your pocket every year you drive....or $1.51 back in your pocket every day of the year for as long as you drive.

You'll get a savings of up to $54,761.50 for a one-time investment of $11.95....and you can have this powerful guide in your hands in less than 3 minutes.

"How To Get Low Cost Car Insurance For Life" gives you 141 BIG pages packed with proven strategies that have worked for my business clients for years.

Now YOU can get my tested techniques that will lower your car insurance costs regardless of your age, the State you live in, what your driving record is....and even if you have less than perfect credit.

I understand if you?re skeptical. These days, it pays to be. So, I?ll name names....The following comments are the exact words I got from the third person who ever used How To Get Low Cost Car Insurance For Life. He's college-educated, married with three kids and owns three vehicles. He lives in the Detroit, Michigan area which has THE highest car insurance costs in the Country - an average of $5,894 a year. It's pretty obvious why he was looking to lower his car insurance costs.

Hi Tom,

I thought I was a pretty smart guy but after using your guide, I feel like such an idiot. I can't believe I was wasting that much money on my car insurance. My annual premium was $6,387. After using your guide, my annual premium is now $3,257. That's a savings of 51%. To make it even better, I'd already paid my semi annual premium so my car insurance company is refunding the overpayment of $1,565. I haven't told my wife yet. I think I'll surprise her. Thanks again for.....

Randy L.
Detroit, Mi

Now, you to can get all of my proven cost-saving secrets for just $11.95.

For only $11.95 (that's less than 4 gallons of gas) you can slash your car insurance costs for life.

Or think of this way ? the last time you ate lunch at a fast-food restaurant you probably spent at least $6 or $7. Heck, that?s money you?ll never see again and don?t care about. Aren?t you really worth a lousy $11.95 that can fatten your wallet or purse by up to $54,761.50.

WHY ONLY $11.95?

Because $11.95 puts this guide within reach of anyone - no matter what your income level is.

I'll make it even better. Two things - One, you don?t have to decide now. You can Try It...and then decide.

1 YEAR No Risk Money Back Guarantee!
It's simple...and with no strings attached. When you join me, I promise I?ll never let you make a mistake on your car insurance. I?ll be every step of the way, guiding you as you redo your car insurance coverage.

If the world was a fair place, no doctor would get paid a penny if their treatment failed to cure you. No stock broker would earn a dime unless he makes you rich. The truth is, if I can?t help you, it wouldn?t be right to keep a penny of your money....

So, you have a full 1 Year to put these strategies to work. If you can honestly say that "How To Get Low Cost Car Insurance For Life" did not drastically cut your car insurance costs....simply shoot me an e-mail and explain what happened.

If you have not had the success I guarantee, I will refund your investment, no questions asked...and you can still keep the Guide and the Bonuses.
You have nothing to lose at all. ALL THE RISK is on me!

And Two, all profits from the sale of "How To Get Low Cost Car Insurance For Life" will be forwarded to the Make-A-Wish Foundation - a group I'm sure you're all familiar with.

THE BOTTOM LINE: You have absolutely nothing to lose by trying How To Get Low Cost Car Insurance For Life....up to $54,761.50 to gain...and we both get to help a very worthy cause.

Now, it?s time to put these techniques to work for YOU.

Please ? get your car insurance costs on the fast track to savings today. Click the button below --- TRY IT NOW - THEN DECIDE!

Yes, Tom - I Want To....

(Just click the "Try It Now - Then Decide Button" and if you'd like, have this guide in your hands in less than 1 minute)

Your Order is 100% Safe, Secure,
Risk Free and Fully Guaranteed!

On this web page, I?ve shown you how you can slash your car insurance costs by up to 67% - and keep it that way the rest of your life....

I?ve offered you advice and guidance that no car insurance agent or company will ever pass along....

I?ve offered you 3 valuable Bonus Guides worth $57 - for FREE....

And I?ve shown you how you must be thrilled with how much money you save on your car insurance costs, or you?re entitled to a 100% refund....

Now, the decision is completely in your hands.

Only one of two things can happen now. Either we?ll go on from here together, or you?ll go it alone.

Either you?ll join me and begin to drastically slash your car insurance costs like others who have used the guide....or or you?ll continue to just give your money away to your car insurance company.

I wish I could take the next step for you. I can?t of course; it?s completely up to you.

I urge you: If you hesitate, it could cost you a small fortune.

Please do it now ? there?s nothing to lose and substantial savings for you that can start today.

Yours For Low Cost Car Insurance For Life,

Tom O?Leary

P.S. Remember: Either I save you 50% on your car insurance costs in the next 12 months or I?ll cheerfully send you a full refund.

And everything I?ve sent you ? including the free bonuses are yours to keep, FREE.

There?s nothing to lose and everything to gain ? so please make sure to click the "TRY IT NOW - THEN DECIDE" button just below.

P.P.S. "How To Get Low Cost Car Insurance For Life" had been offered only thru direct mail and various magazine advertising. As of July 15, 2007, it is being offered on this website as well. However, I'm making available only 10,000 copies.

You have the opportunity to be one of the select few that will be exclusively entitled to receive my specific low cost car insurance techniques and recommendations.

This is your chance to Get Low Cost Car Insurance For Life....

For your small, one-time only investment of just $11.95, you can instantly download this notorious material right now -- and begin saving money within the next minute!

P.P.P.S I've been blessed with several successful business ventures so now it's time to give something back.

So remember, all profits form the sale of "How To Get Low Cost Car Insurance For Life" will be forwarded to the the Make-A-Wish Foundation which grants a special wish to children with life-threatening medical conditions.

Each person who takes the step to lower their car insurance costs will also be helping very special children. A check will be forwarded on January 2nd, 2007 for all profits garnered between July 15, 2007 and December 31, 2007. If the 10,000 copies are sold-out prior to December 31, I will make more available to help these special kids.

P.P.P.P.S Before you make your final decision, please ask yourself, ?What if Tom is right??

?How will I feel watching my car insurance costs continue to skyrocket -- knowing that I blew the chance to save up to 50% on my car insurance??

I don?t want that for you. Please ? your membership in this very exclusive club is fully guaranteed ? there?s simply no reason NOT to give "How To Get Low Cost Cost Car Insurance For Life" a fair try.

Just click on the link just below to place your secure and totally discreet order using any credit card, online check or Paypal (you can do this anytime, 24 hours a day, 7 days a week). Or, you can order by mail as well.

Your online order is guaranteed 100% safe and completely confidential. Your personal information, including your email address, will not be given to anyone - ever.

As soon as you place your order, a web page will appear where you can instantly download this material. You will be reading it in less than 1 minute from now!

So, go ahead and try it now....then decide.

Yes, Tom - I Want To....

(Just click the "Try It Now - Then Decide Button" and if you'd like, have this guide in your hands in less than 3 minutes)

Your Order is 100% Safe, Secure,
Risk Free and Fully Guaranteed!

No, Tom....I'm interested but I'm still not sure.

Hey, that's okay. It's normal. I'll tell you what. Let's try this -
Click Here To Get The Hidden Location of 2 FREE Chapters


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What Others Are Saying About "How To Get Low Cost Car Insurance For Life"

Hi Tom,

I'm a single parent with two teenage drivers and used to spend almost $3,000 a year on car insurance. I didn't get the 67% I was looking for (yes, i'm greedy!) but I did get 56%. After talking to 3 of the car insurance companies you recommend, it looks like my son's speeding tickets are hurting a little. I'm so thrilled with saving 56% it really doesn't matter much. How do....

Lisa G.
San Diego, Ca.

Mr. O'Leary,

My name is Mark and I'm 22. I thought I was getting hosed by my insurance company so I thought I'd give your book a look. I found out that they were ripping me off. In less than 2 hours, I cut my insurance by $1,067.77. I thought the checklist was the best because it told me what to say. I wondered....

Mark D.
Long Island, NY.

Thomas,

I'm recently retired with a nice nest-egg that I accumulated through my employers 401k and other investments. I was shocked to find that I was underinsured and was putting all that I worked hard for at risk. My wife and I spent a little more than an hour making a few changes to protect our assets and getting rid of worthless cove