Today we found many and many insurance companies and agencies to choose from, it is even very hard for any one to determine where to start. The best advice, given from many experts is this: Start by identifying your individual insurance needs. How much coverage do you need? How much of a deductible are you willing to pay?
Once you know how much coverage you need, you can begin by comparison shopping with different insurance companies, to check what level your premium is likely to be. Try to find the best possible price for your circumstances.
The only way you will be able to assess if you are getting a good deal on price is to compare quotes with other providers. Make sure when getting competitive quotes you are comparing plans with the same coverage. Getting online insurance quotes or by telephone can take some time since you will be required to provide a substantial amount of details before receiving the insurance quote.
Some websites allow you to make side by side quotes, where you can get three or four quotes from different companies at the same time, without typing in your personal and vehicle details many times. The personal information you need to provide usually includes your background, information on any other drivers on your insurance policy, your ages, and your vehicle.
Everyone wants to pay the least possible premium for the maximum possible insurance coverage. Bear in mind that the level of coverage you need to truly protect you from the financial implications of a serious accident or loss is probably not going to come cheap. But what price is peace of mind?
Word of mouth is often a good way to find reliable auto insurance providers. But before you go down that road, make sure that your friends' needs are similar to yours. What they think is fantastic about a particular company may not be important to you.
If you want to check that the premiums you are being charged are fair, then a quick check with your state insurance department will reveal all. They monitor the insurance companies within their state, and also run surveys of competitiveness on an annual basis. It is very important to find out about these insurance agencies you heard about. Because you could do yourself a favor not to pay this huge bills.
Saturday, October 9, 2010
Tips In Choosing the Best Health Insurance Plan
Health insurance Health insurance has a vital priority for many of us, whether if you are insured but not satisfied or uninsured this will carry a good advices for you.
There are options, and you can get a plan that meets your needs without draining your pockets. Here are some tips to help you chose the best health insurance plan, as well as some advice on how to get the most out of your plan once you make the right decision.
1. Research: The best first step when making any big decision is getting informed. There are three main types of health insurance: indemnity plans, HMOs and PPOs. Each one has its own advantages and disadvantages, so it’s important to know the difference between the plans.
2. Make a list of your priorities: Do you care most about premium charges or customer service? Do you already have doctors that you would like to keep? Does anyone in your family have a chronic illness? Different plans accommodate different needs, so it’s crucial to know what’s most important to you in a plan.
3. Think about locations: Insurance costs vary widely from state to state, so if you live near a state border, are considering moving or work out of state, you could save serious money by looking at all of your options.
4. Talk to a broker: Insurance brokers can do all the research to find the best plan for you with the best rates. They can also talk you through the whole process and give you expert advice.
5. Test-drive the plan: Although many people don’t know this, many insurance companies will let you try out their plans. If you aren’t satisfied after the set period of time, you get your money back. The best way to know if a plan is right for you is to try it, so this is a great opportunity, but do make sure to check the fine print, as the refund time periods usually range from one to six weeks.
6. Consider a health savings account: If you don’t foresee using your health insurance more than a few times a year, perhaps just for a yearly checkup and a sick visit, this option could save you lots of money. The account goes with an insurance policy with low premiums. The money you save on the premiums gets set aside and grows tax-deferred. You can spend this money on any unanticipated medical costs, and when you turn 65, the money is yours to spend as you wish.
Now that you know how to choose the best health-insurance plan, learn how to get the most out of it with these six tips.
1. Negotiate with your doctor: A recent Harris Interactive Inc. poll shows that three out of five patients paying out of pocket who negotiated with their doctors received a discount.
2. Get preventative care: The majority of insurance plans cover preventative care for free, or almost free, for a set number of times per year. Take advantage of this option, and you’ll almost certainly save money down the road.
3. Ask for generic prescriptions: Different plans cover different drugs, but generics are almost always going to be the cheapest option, so ask for them whenever possible.
4. Shop around for pharmacies: There is no rule to how much a pharmacy has to charge for a drug, so taking the time to compare different pharmacy prices can really pay off.
5. Ask for longer-lasting prescriptions: Co-pays, the amount of money the individual pays for medications, don’t change, so getting a prescription that lasts longer will save you money.
6. Be informed and double-check: Make sure you understand your plan completely and double-check your bills, as insurance companies and health-care providers often make mistakes when calculating charges. If you catch these mistakes every time, your bills will become more manageable.
Everyone may need a good insurance plan at some point of his life, even if it wasn't for himself, it could be for any family member, so go a head and make benifit of this advice and choose a good insurance plan without paying these un ending huge bills.
There are options, and you can get a plan that meets your needs without draining your pockets. Here are some tips to help you chose the best health insurance plan, as well as some advice on how to get the most out of your plan once you make the right decision.
1. Research: The best first step when making any big decision is getting informed. There are three main types of health insurance: indemnity plans, HMOs and PPOs. Each one has its own advantages and disadvantages, so it’s important to know the difference between the plans.
2. Make a list of your priorities: Do you care most about premium charges or customer service? Do you already have doctors that you would like to keep? Does anyone in your family have a chronic illness? Different plans accommodate different needs, so it’s crucial to know what’s most important to you in a plan.
3. Think about locations: Insurance costs vary widely from state to state, so if you live near a state border, are considering moving or work out of state, you could save serious money by looking at all of your options.
4. Talk to a broker: Insurance brokers can do all the research to find the best plan for you with the best rates. They can also talk you through the whole process and give you expert advice.
5. Test-drive the plan: Although many people don’t know this, many insurance companies will let you try out their plans. If you aren’t satisfied after the set period of time, you get your money back. The best way to know if a plan is right for you is to try it, so this is a great opportunity, but do make sure to check the fine print, as the refund time periods usually range from one to six weeks.
6. Consider a health savings account: If you don’t foresee using your health insurance more than a few times a year, perhaps just for a yearly checkup and a sick visit, this option could save you lots of money. The account goes with an insurance policy with low premiums. The money you save on the premiums gets set aside and grows tax-deferred. You can spend this money on any unanticipated medical costs, and when you turn 65, the money is yours to spend as you wish.
Now that you know how to choose the best health-insurance plan, learn how to get the most out of it with these six tips.
1. Negotiate with your doctor: A recent Harris Interactive Inc. poll shows that three out of five patients paying out of pocket who negotiated with their doctors received a discount.
2. Get preventative care: The majority of insurance plans cover preventative care for free, or almost free, for a set number of times per year. Take advantage of this option, and you’ll almost certainly save money down the road.
3. Ask for generic prescriptions: Different plans cover different drugs, but generics are almost always going to be the cheapest option, so ask for them whenever possible.
4. Shop around for pharmacies: There is no rule to how much a pharmacy has to charge for a drug, so taking the time to compare different pharmacy prices can really pay off.
5. Ask for longer-lasting prescriptions: Co-pays, the amount of money the individual pays for medications, don’t change, so getting a prescription that lasts longer will save you money.
6. Be informed and double-check: Make sure you understand your plan completely and double-check your bills, as insurance companies and health-care providers often make mistakes when calculating charges. If you catch these mistakes every time, your bills will become more manageable.
Everyone may need a good insurance plan at some point of his life, even if it wasn't for himself, it could be for any family member, so go a head and make benifit of this advice and choose a good insurance plan without paying these un ending huge bills.
Sunday, January 3, 2010
Five Tips to Pay less Premium for your Insurance, P4
Part Four (Car Insurance)
Nowadays, for many reasons It's required to have a car insurance, but it's not required to pay more than you have to. Below you can find some easy tips combined with some time surfing for competitive car insurance rates really can save you good money at renewal time.
Step 1 - Cut the Risk and Cut the Cost
The easiest way to cut your car insurance premiums is to cut the risk and accept a higher voluntary excess. An insurer's standard excess may be £100 but if you meet the first £250 of any claim, you'll see a reduction in your premium. This is because you're taking on more of the risk so you get a discount. But it's a gamble, be aware that you might have to meet the cost of a broken window after an attempted theft or a bill for repairing bodywork damage after a car park crunch.
Step 2 - Security Means Savings
Fitting security devices can also result in cheap car insurance premiums. All major insurers insist on Thatcham rated security equipment, usually a minimum of an alarm. If you live in a high-risk area for car crime, it makes sense to fit extra security. It saves you money when your insurance renewal is due and gives you extra peace of mind.
Step 3 - Annual Mileage, Less Means More in Your Pocket
If your annual mileage is, 5,000 miles or less, ask insurers if they offer discounts for agreed mileage restrictions.
Step 4 - Named Drivers Trick
Adding a named driver to your policy can increase or reduce your premiums depending upon the named drivers age, sex and driving record. Adding a young driver will increase your premiums, particularly with a limited or poor driving record. However, adding a driver over 30 years old with a long and clean driving record can cut premiums, particularly if the named driver is female!
Step 5 - Shop Around and Save Even More
The biggest car insurance savings come from shopping around. There can be massive differences between the lowest and highest car insurance quotes for exactly the same car and driver(s). Start off using good comparitive online quotation sites, take their best quotes and go direct to the cheapest car insurance company for more specific quotes.
So next time your renewal quote arrives, don't just accept it and give your money away to the insurance company. Use the steps above and get the right cover at the right price.
Nowadays, for many reasons It's required to have a car insurance, but it's not required to pay more than you have to. Below you can find some easy tips combined with some time surfing for competitive car insurance rates really can save you good money at renewal time.
Step 1 - Cut the Risk and Cut the Cost
The easiest way to cut your car insurance premiums is to cut the risk and accept a higher voluntary excess. An insurer's standard excess may be £100 but if you meet the first £250 of any claim, you'll see a reduction in your premium. This is because you're taking on more of the risk so you get a discount. But it's a gamble, be aware that you might have to meet the cost of a broken window after an attempted theft or a bill for repairing bodywork damage after a car park crunch.
Step 2 - Security Means Savings
Fitting security devices can also result in cheap car insurance premiums. All major insurers insist on Thatcham rated security equipment, usually a minimum of an alarm. If you live in a high-risk area for car crime, it makes sense to fit extra security. It saves you money when your insurance renewal is due and gives you extra peace of mind.
Step 3 - Annual Mileage, Less Means More in Your Pocket
If your annual mileage is, 5,000 miles or less, ask insurers if they offer discounts for agreed mileage restrictions.
Step 4 - Named Drivers Trick
Adding a named driver to your policy can increase or reduce your premiums depending upon the named drivers age, sex and driving record. Adding a young driver will increase your premiums, particularly with a limited or poor driving record. However, adding a driver over 30 years old with a long and clean driving record can cut premiums, particularly if the named driver is female!
Step 5 - Shop Around and Save Even More
The biggest car insurance savings come from shopping around. There can be massive differences between the lowest and highest car insurance quotes for exactly the same car and driver(s). Start off using good comparitive online quotation sites, take their best quotes and go direct to the cheapest car insurance company for more specific quotes.
So next time your renewal quote arrives, don't just accept it and give your money away to the insurance company. Use the steps above and get the right cover at the right price.
Friday, January 1, 2010
Links And Directories
AskDirectory.Com Directory
Free backlink directory. Search engine optimization (SEO). Increase site traffic. Link exchange.
Free Web Directory
Free Web Directory
Free Web Directory
Web Directory
A2ZNEWS
Linkroo - A better place for Backlinks | SEO Directory
Cortex Directory
FARLINK
Expotural.com
LinkLinky.com SEO Free Link Directory
Free backlink directory. Search engine optimization (SEO). Increase site traffic. Link exchange.
Free Web Directory
Free Web Directory
Free Web Directory
Web Directory
A2ZNEWS
Linkroo - A better place for Backlinks | SEO Directory
Cortex Directory
FARLINK
Expotural.com
LinkLinky.com SEO Free Link Directory
Thursday, December 3, 2009
Five Tips to Pay less Premium for your Insurance, P3
Part Three (Life Insurance)
Does your life insurance premium make you worry? Below you can find 5 fastest ways to turn down your life insurance premium. Try to understand these points but do tread with care and act prudently.
Shop around and Bargain
Shop, Compare and Bargain! Well, the oldest principle, old as dirt, but still going strong. Once decided on your coverage, don’t just sign up for the first plan that crosses your eye. Ensure that you shop around (internet is a great place to start) and get a feel of the market. This would help you to bargain hard and get the greatest coverage at the lowest possible price.
Opt for Term Life Insurance – The quickest way to lower your life insurance premium is to opt for Term Life Insurance policy instead of a whole-life policy. The idea is to keep insurance as what it is and not turn it into an investment product. Thus, you can get yourself insured under term life policy at the fraction of the cost of a whole-life scheme with typically the same coverage amount. However, do not forget that Term Life Insurance covers you only for a pre-defined period of time.
Keep yourself Fit – Be a low risk proposition for your insurance provider by maintaining a healthy lifestyle and keeping yourself away from addictions such as smoking, drugs and alcohol. A good health record will result in considerable reduction in your life insurance premiums.
Consult an Insurance Advisor - To reduce your life insurance premium, the easiest thing you can do is to consult a good Insurance Advisor. Since the advisor will be pro in the insurance marketplace, he/she would be able to get you to the most affordable deal in line with your coverage requirements. Essentially a good insurance advisor would compare different market rates for you and would also negotiate the best rates on your behalf. Well, internet is a great place to identify an agent.
Start at a young age!
Insure yourself at a young age. Life insurance premium at a young age is only a fraction of what it could be when you are well into your middle-age. The premise is young and healthy people are the lowest risk segment. The low mortality risk is a great incentive for insurance companies to insure you at lower premiums.
Does your life insurance premium make you worry? Below you can find 5 fastest ways to turn down your life insurance premium. Try to understand these points but do tread with care and act prudently.
Shop around and Bargain
Shop, Compare and Bargain! Well, the oldest principle, old as dirt, but still going strong. Once decided on your coverage, don’t just sign up for the first plan that crosses your eye. Ensure that you shop around (internet is a great place to start) and get a feel of the market. This would help you to bargain hard and get the greatest coverage at the lowest possible price.
Opt for Term Life Insurance – The quickest way to lower your life insurance premium is to opt for Term Life Insurance policy instead of a whole-life policy. The idea is to keep insurance as what it is and not turn it into an investment product. Thus, you can get yourself insured under term life policy at the fraction of the cost of a whole-life scheme with typically the same coverage amount. However, do not forget that Term Life Insurance covers you only for a pre-defined period of time.
Keep yourself Fit – Be a low risk proposition for your insurance provider by maintaining a healthy lifestyle and keeping yourself away from addictions such as smoking, drugs and alcohol. A good health record will result in considerable reduction in your life insurance premiums.
Consult an Insurance Advisor - To reduce your life insurance premium, the easiest thing you can do is to consult a good Insurance Advisor. Since the advisor will be pro in the insurance marketplace, he/she would be able to get you to the most affordable deal in line with your coverage requirements. Essentially a good insurance advisor would compare different market rates for you and would also negotiate the best rates on your behalf. Well, internet is a great place to identify an agent.
Start at a young age!
Insure yourself at a young age. Life insurance premium at a young age is only a fraction of what it could be when you are well into your middle-age. The premise is young and healthy people are the lowest risk segment. The low mortality risk is a great incentive for insurance companies to insure you at lower premiums.
Tuesday, November 3, 2009
Five Tips to Pay less Premium for your Insurance, P2
Part Two (Health Insurance)
As wise people sayed “Health is Wealth.” The most essential step to keep this wealth is to have a health insurance plan for you and for your family. However, sometimes the Fees of such policies can leave you in and out of the budget situation. Can you really do something to bring down your premium? Read on to learn about the 5 quickest ways to lower your health insurance premium.
1. Adopt a healthy lifestyle
Living a healthy life has many benefits. Your healthy lifestyle can easily help you in bringing down the health insurance premium. Exercise regularly, eat healthy diet, avoid smoking and heavy drinking — and your visits to the doctor will surely be minimized. The healthier you are, the lesser you are represented as a risk for the insurance company.
2. Shop for the best available price
One of the best options to keep your premium lowest is to go out and shop around for the health care policy. This will ensure that you find the best available policy that fits in your budget. Do a thorough research before investing in any policy. You can get information from your friends and relatives or even Internet.
3. Take up plans with higher deductibles
Insurance plans with higher deductibles tend to have lower premiums. Typically, deductible is the amount you are expected to pay toward hospital, doctor, and other medical bills. Taking up a plan with a higher deductible may not be a universally applicable idea. If you’re generally healthy and do not fall ill very frequently, then you can take up this plan. This way you can keep your premium at a lower rate and avail basic health care facilities as well. But, if you have a history of some major consistent illness, avoid taking this plan.
4. Take up a policy early in your life
The premium varies to a great extent with the age of the person. Try and get a policy as early in your life as you can. For example, if you buy a policy at the age of 25, then you’ll have to pay lesser premium but, if you go for the same policy at the age of 50 you’ll end up paying a raised premium amount.
5. Get in touch with independent insurance agents
You can take help from independent insurance agents. These agents represent several insurance agencies and can guide you to pick the right kind of health insurance policy and then plan your premiums at an affordable rate. Since independent agents will compete to get the business – so you’ll get serious offers quickly.
As wise people sayed “Health is Wealth.” The most essential step to keep this wealth is to have a health insurance plan for you and for your family. However, sometimes the Fees of such policies can leave you in and out of the budget situation. Can you really do something to bring down your premium? Read on to learn about the 5 quickest ways to lower your health insurance premium.
1. Adopt a healthy lifestyle
Living a healthy life has many benefits. Your healthy lifestyle can easily help you in bringing down the health insurance premium. Exercise regularly, eat healthy diet, avoid smoking and heavy drinking — and your visits to the doctor will surely be minimized. The healthier you are, the lesser you are represented as a risk for the insurance company.
2. Shop for the best available price
One of the best options to keep your premium lowest is to go out and shop around for the health care policy. This will ensure that you find the best available policy that fits in your budget. Do a thorough research before investing in any policy. You can get information from your friends and relatives or even Internet.
3. Take up plans with higher deductibles
Insurance plans with higher deductibles tend to have lower premiums. Typically, deductible is the amount you are expected to pay toward hospital, doctor, and other medical bills. Taking up a plan with a higher deductible may not be a universally applicable idea. If you’re generally healthy and do not fall ill very frequently, then you can take up this plan. This way you can keep your premium at a lower rate and avail basic health care facilities as well. But, if you have a history of some major consistent illness, avoid taking this plan.
4. Take up a policy early in your life
The premium varies to a great extent with the age of the person. Try and get a policy as early in your life as you can. For example, if you buy a policy at the age of 25, then you’ll have to pay lesser premium but, if you go for the same policy at the age of 50 you’ll end up paying a raised premium amount.
5. Get in touch with independent insurance agents
You can take help from independent insurance agents. These agents represent several insurance agencies and can guide you to pick the right kind of health insurance policy and then plan your premiums at an affordable rate. Since independent agents will compete to get the business – so you’ll get serious offers quickly.
Saturday, October 3, 2009
Five Tips to Pay less Premium for your Insurance, P1
Part One (Auto Insurance)
There are some steps you could do to lower your car insurance premium. Car insurance rates can spiral relying upon elements like: your past driving record, age, and other issues such as credit history. But, the trick is to find ways to lower the annual pay-off. We have pulled up for you the 5 quickest ways to lower your Auto Insurance Premium.
Tip 1: Rise up your deductible
Stop trying to get the ‘lowest deductible’, instead go in for a comfortably higher out of pocket payment plan. ‘Deductible’ is the amount that you would pay before your insurance policy kicks in. This is an easy way to reduce your periodic premium amount, however, be warned, in such a case, if something happens to your vehicle - you need to shell out more to cover the initial expenses, prior to going in for a claim.
Tip 2: Park your vehicle in a garage
One of the simplest ways to cut down on insurance premium is to park your vehicle in a garage, personal or commercial establishments. This helps in knocking off, in some cases, close to 20% of the premium. In a garage, the chances of your vehicle getting stolen or sideswiped are considerably lower. From a transaction perspective, parking in a garage could mean a difference between a preferred rate and a standard rate.
Tip 3: Shop around and bargain
Nothing beats the traditional ‘shop around to bargain’. Make sure you at least have three to four price quotes with you, prior to fixing on the service provider. Ensure that you are not shopping for price alone, but the whole deal.
Tip 4: Take a Defensive Driving Course
Not many people are aware of this. By volunteering for a state-approved defensive driving course, you can avail discounts in premium of up to 10%. However, do cross check with your insurer on this.
Tip 5: Downsizing Coverage
Well, downsizing coverage is perhaps the easiest way to lower your auto insurance premium. However, we suggest you to be careful and prudent, while taking this decision. This might save money, but, would also limit coverage.
There are some steps you could do to lower your car insurance premium. Car insurance rates can spiral relying upon elements like: your past driving record, age, and other issues such as credit history. But, the trick is to find ways to lower the annual pay-off. We have pulled up for you the 5 quickest ways to lower your Auto Insurance Premium.
Tip 1: Rise up your deductible
Stop trying to get the ‘lowest deductible’, instead go in for a comfortably higher out of pocket payment plan. ‘Deductible’ is the amount that you would pay before your insurance policy kicks in. This is an easy way to reduce your periodic premium amount, however, be warned, in such a case, if something happens to your vehicle - you need to shell out more to cover the initial expenses, prior to going in for a claim.
Tip 2: Park your vehicle in a garage
One of the simplest ways to cut down on insurance premium is to park your vehicle in a garage, personal or commercial establishments. This helps in knocking off, in some cases, close to 20% of the premium. In a garage, the chances of your vehicle getting stolen or sideswiped are considerably lower. From a transaction perspective, parking in a garage could mean a difference between a preferred rate and a standard rate.
Tip 3: Shop around and bargain
Nothing beats the traditional ‘shop around to bargain’. Make sure you at least have three to four price quotes with you, prior to fixing on the service provider. Ensure that you are not shopping for price alone, but the whole deal.
Tip 4: Take a Defensive Driving Course
Not many people are aware of this. By volunteering for a state-approved defensive driving course, you can avail discounts in premium of up to 10%. However, do cross check with your insurer on this.
Tip 5: Downsizing Coverage
Well, downsizing coverage is perhaps the easiest way to lower your auto insurance premium. However, we suggest you to be careful and prudent, while taking this decision. This might save money, but, would also limit coverage.
Subscribe to:
Posts (Atom)
