by: Steve Gillman
Can you find cheap insurance? Yes. You can not only spend less on all types of insurance, but you can get more of the coverages you need for less. Here are a few insider secrets to help you out.
Cheap Life Insurance
- Purchase multiple policies. Instead of buying one large policy, save money by buying two, or even three, and staggering the terms. Have one run until the kids are out of the house, for example, and the other until your retirement fund kicks in.
- Investigate the company. Visit www.naic.org/cis, the National Association of Insurance Commissioners site. It has links to check out companies, including their financial condition, and the complaints filed against them.
- Ask about rebates. Some states allow agents to rebate a portion of their commission to you. Check online or by phone. You don't have to be from the state to buy insurance there.
Cheap Auto Insurance
Get several quotes, of course. You probably know that having as high a deductible as you can afford will also reduce the rate. Here are some money-saving tips you may not have known.
- Get the legal minimum for liability coverage if you have few or no assets. Many companies try to sell their "company-recommended minimums" on liability, and even pass them off as the legal minimums. Just get the legal minimums. If you have no assets, you're not a target for a lawsuit.
- Once a year, review your policies. Have a policy review and get new quotes every year or so. If the ticket you had is past the three year mark (or whatever the company thinks is important) they will drop the rate, but not automatically, so ask.
- Remove your kids from your policy. If your kids are at a college that's more than 100 miles away, you can have them taken off the insurance policy and save a lot of money. You can't let them drive the car when they come home to visit though.
Other Cheap Insurance Secrets
- Health insurance tip: Find a group to join. If you don't have health insurance through your employer, join a group that enables you to get a better policy rate. A fraternal organization or the chamber of commerce sometimes have arranged for group policies.
- Home owners insurance tip: Consider higher deductibles. Insurance is for disasters, not small stuff. Plan to pay the first $1000 someday when something happens. In the meantime you'll save money every year on your policy.
- Credit life insurance tip: Just say no. These policies pay the balance of your auto, home or other loan if you die. If you feel you need it, regular life insurance for the same amount is much cheaper.
Whatever type of insurance you are buying, be sure to get several quotes. Ask questions about every part of the policy, and don't pay for things you don't need. Ask about any special discounts you might be eligible for. Asking many questions and really understanding the policy is the key to getting cheap insurance.
About The Author
Steve Gillman has been hunting down obscure knowledge and useful secrets for years. Learn more and get a free gift at:
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Do you have sleep insurance?
Do you have sleep insurance?
by: Aaron Hoos
Sleep insurance is not a policy you can take out on your slumber. It?s not an insurance policy sold to insomniacs. Rather, it?s something that lets you sleep at night.
Without it, you?ll lose sleep worrying about it.
Here?s what we mean: While you?re driving to work, count the number of auto repair shops. There?s a lot, aren?t there? There are! After all, we live in a world that relies heavily on our car. Now think about how they stay in business: from cars breaking down. That?s a lot of cars breaking down.
Now think about this: what will you do when your car breaks down? (Yes, you?ll bring it to the garage? then what?) Will you be able to afford the repairs when you get the bill? When your car?s in the shop, will you be able to sleep at night or will you lay awake, worrying about the price? That?s what we mean by sleep insurance.
Sleep insurance is a warranty on your car.
You...
Do you have sleep insurance?
Auto insurance > Do you have sleep insurance?
Cheap Car Insurance: Factors that Affect Your Car Insurance Rates
Cheap Car Insurance: Factors that Affect Your Car Insurance Rates
by: Rob Sliver
When it comes to auto insurance rates, who you are determines what you pay.
Automobile insurance premiums are based on a large number of factors, some of which you can control, and some of which, alas, are incontrovertible facts of life. Statistically, a sixteen-year old boy with a 300 horsepower sports car in a big city is far more likely to hit something than a 35 year-old married guy driving a minivan around the suburbs.
While you can?t change your age and some other factors, there are things that you can do to keep insurance premiums as low as possible.
Factors you CAN?T change that impact your auto insurance rates:
Your age
Dick Clark and Sophia Loren notwithstanding, aging is unavoidable. And while you may be a mature-looking teen or a youthful octogenarian, the oldest and the youngest drivers are far more likely to have accidents....
Cheap Car Insurance: Factors that Affect Your Car Insurance Rates
Auto insurance > Cheap Car Insurance: Factors that Affect Your Car Insurance Rates
Saving money on auto insurance
Saving money on auto insurance
by: William Berg
Auto insurance can dig deep holes in your pockets and you can save substantial amounts of money each year by choosing the right auto insurance. Taking the time to check out different car insurance companies and comparing their quotes can be a very good investment. You can often save several hundred dollars by choosing a licensed low-price car insurance company instead of some of the more expensive insurance companies. Today, the Internet has made it easier than ever before to rapidly gather information about insurance coverage and insurance rates from a multitude of insurance companies. Some sites will even collect the information for you and display easy-to-read spread sheets where all vital factors can be easily weighed against each other.
You can usually lower your car insurance rate further by installing an air bag, since the medical part of your car insurance will be cheaper. The...
Saving money on auto insurance
Auto insurance > Saving money on auto insurance
Auto insurance Cheap Insurance Secrets
Auto insurance Cheap Insurance Secrets
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