How to save money on car insurance.
Some things in life are free. Car insurance isn't one of those things, and it can be rather darn expensive. Here are some ideas on how to save money on car insurance.
Depending upon what state you live in, having car insurance may not only be a smart way to protect your car, it may also be the law. Certain states require that drivers carry insurance on their vehicle and for good reason. Car repairs can be very expensive, and most people don't have a few thousand dollars set aside just in case of an accident.
Since car insurance is something we need to spend to money on, we should try to at least save some money while we're doing it, right?
Here are a few tips to help you save some money on your car insurance bill.
1. Get quotes from more than 1 company. You're severely limiting the money you might save by signing up with the first company you get a quote from.
2. See if your employer has any special relationships that might entitle you to cheaper insurance. Some companies that are only available to groups have incredibly attractive rates and can save you a lot of money.
3. Some companies offer percentage discounts for a good driving record, good grades in school, and defensive driving courses. A defensive driving course might cost you a few hundred bucks, but it might you save you multiples of that over the next few years. Check with the insurance company to see which programs qualify for this discount.
4. Make sure your motor vehicle record doesn't have any wrong information. Identity thieves have figured out that it isn't too difficult to get their moving violations on someone else's record.
5. Carrying a higher deductible, for example $1000 instead of $500, can lead to lower rates. If you aren't prone to having accidents, a higher deductible might be a good choice for you.
6. If you have a teenage driver, consider having them get their own policy. At least get quotes to compare whether they're adding unnecessary expense to your rates.
7. Move to a rural area. This is probably not a viable option, but car insurance does vary heavily by area and state. More densely populated areas oftentimes have much higher rates than rural areas.
8. If you're vehicle is completely paid for, you may only need to carry a minimal amount of insurance. Check with your insurance company and state laws to see if you're required to carry coverage such as liability, collision, or comprehensive coverage.
9. Some car insurance companies will give a discount if you have an alarm or theft-deterrent device installed. If your car doesn't have one already, consider getting one.
There you have it. A few free tips on how to save money on your car insurance. Some may work for you and some may not, but you won't know that you're getting the best rate unless try to implement some of these tips.
About the Author
Would you like to save money on car insurance but aren't sure how? One way is to get a free quote from a few different auto insurance companies. Try it for yourself. Get a free quote in 5 minutes or less at http://www.SaveOnCarInsurance247.com.
Saturday, July 28, 2007
How to Get a Cheap Medical Insurance Rate by Brian Stevens
Looking for a cheap medical insurance rate with a top company? Here's how to get it.
Medical Insurance
Medical insurance costs have doubled in the last few years, and because of that a lot of people think they can't afford to be covered. Other people feel they don't need it because they're healthy and won't be stricken with a major medical problem. Wrong on both counts.
Fact is, we all need medical insurance and there are ways to get a cheap medical insurance rate.
Cheap Medical Insurance
Medicaid
If you're in a low income bracket, your state has a Medicaid program that will provide medical insurance for you and your family if your qualify. Medicaid medical insurance provides coverage for dental care, eye care, health care, and prescription drugs. For information on Medicaid medical insurance, call or visit your nearest Division of Family Services office for details.
If you don't qualify for Medicaid, your next step is to go shopping for an inexpensive health care plan. There are two types of insurance that offer the most benefits for the least amount of money - HMOs and PPOs:
HMOs (Health Maintenance Organizations)
HMOs charge a fixed monthly fee for which they provide medical services that include doctor visits, hospitalization, surgery, and prescription drug coverage. Members must choose a primary car physician who oversees their health care, and they can only receive medical treatment from doctors and facilities that are part of the HMO's network.
PPOs (Preferred Provider Organizations)
PPOs are similar to HMOs in that you receive medical services through a prescribed network of physicians and facilities. But unlike HMOs, members do not need to get permission from their primary care physician to see a specialist. PPOs cost about 5% more than HMOs.
Cheap Medical Insurance Rates
You can call local insurance companies or go to individual insurance sites to get medical insurance rate quotes, but the easiest way to get quotes is to go to an insurance comparison website.
Insurance comparison sites let you get quotes from a number of insurance companies. You want to get at least three quotes, then choose the quote that's best for your circumstances. If you have any questions about health insurance, the better comparison sites have insurance professionals on hand who can answer them. (See link below.)
Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get cheap medical insurance rate quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section.
About the Author
The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles about getting cheap medical insurance rates.
Medical Insurance
Medical insurance costs have doubled in the last few years, and because of that a lot of people think they can't afford to be covered. Other people feel they don't need it because they're healthy and won't be stricken with a major medical problem. Wrong on both counts.
Fact is, we all need medical insurance and there are ways to get a cheap medical insurance rate.
Cheap Medical Insurance
Medicaid
If you're in a low income bracket, your state has a Medicaid program that will provide medical insurance for you and your family if your qualify. Medicaid medical insurance provides coverage for dental care, eye care, health care, and prescription drugs. For information on Medicaid medical insurance, call or visit your nearest Division of Family Services office for details.
If you don't qualify for Medicaid, your next step is to go shopping for an inexpensive health care plan. There are two types of insurance that offer the most benefits for the least amount of money - HMOs and PPOs:
HMOs (Health Maintenance Organizations)
HMOs charge a fixed monthly fee for which they provide medical services that include doctor visits, hospitalization, surgery, and prescription drug coverage. Members must choose a primary car physician who oversees their health care, and they can only receive medical treatment from doctors and facilities that are part of the HMO's network.
PPOs (Preferred Provider Organizations)
PPOs are similar to HMOs in that you receive medical services through a prescribed network of physicians and facilities. But unlike HMOs, members do not need to get permission from their primary care physician to see a specialist. PPOs cost about 5% more than HMOs.
Cheap Medical Insurance Rates
You can call local insurance companies or go to individual insurance sites to get medical insurance rate quotes, but the easiest way to get quotes is to go to an insurance comparison website.
Insurance comparison sites let you get quotes from a number of insurance companies. You want to get at least three quotes, then choose the quote that's best for your circumstances. If you have any questions about health insurance, the better comparison sites have insurance professionals on hand who can answer them. (See link below.)
Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get cheap medical insurance rate quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section.
About the Author
The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles about getting cheap medical insurance rates.
Subscribe to:
Posts (Atom)