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Group Term Life Insurance and the Options Available
Group term life insurance is more affordable than individual life insurance policies because the costs to the insurer are lower. They have less paperwork to handle, and are guaranteed multiple accounts from one sale - which is their incentive for...
Having the Right Amount of Auto Insurance Coverage
Maybe you have auto insurance coverage now but do you ever wonder if it's enough if you are unfortunate enough to get into a car accident? Some people carry a combination of auto insurance coverages because carrying too little coverage can cause you...
Health Insurance Coverage
Health insurance is something that everyone needs today. The rising cost of visiting a health care provider or a hospital stay makes it imperative that everyone have some type of health care coverage. Government statistics estimate that over 40...
Health Insurance for the Self-Employed - Protecting Your Business's Greatest Asset
Health Insurance for the Self-Employed - Protecting Your Business's Greatest Asset © 2002 Elena Fawkner "I've been considering quitting my full-time job and getting a part-time job that would pay the bills [so I can start a home business] ......
Why Boat Insurance Doesn't Help A Lousy Sailor
For thousands of years men have sailed the seas. From the earliest trips by the discoverers and settlers of the Americas, Australia and the Pacific Islands, through Odysseus' voyage to Troy and beyond to the time of Swashbucklers in the Caribbean...
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Really Cheap Car Insurance
There are the usual tips for getting really cheap car insurance.
You may need to be reminded of these. Then there are the secrets
that you haven't heard about. You'll find a few of those here
too.
1. Shop around. Call several companies for quotes, starting with
those that advertise the lowest prices. be sure to include at
least one independent agent, since they can check many companies
for you. Use the tips here to make a list of questions to ask
them.
2. Raise your deductible to lower your rates. If you really
can't afford the first $500 of an accident, you should rearrange
your financial life. After all, you're going to find away to
afford more than that over time, on higher premiums.
3. Consider dropping collision. Why pay for it if the car is
worth $1000? All you'll get is $1000. The rule is: drop the
collision if you can afford the loss. You can't drop it if you
owe on the car. However, if the car is worth only a couple
thousand and you still owe a little on it, get a personal loan
to pay off the car loan, drop the collision coverage, and the
savings on the insurance may almost make the payments.
4. Round down your distance to work. You are charged more if you
drive farther to work, so be sure to give the shortest distance
on the application. Fifteen miles is a common cut-off, at which
point you start to pay more.
5. Demand the legal minimums. Do this if you have no assets.
Most companies will try to sell you their "company-recommended
minimums" on liability, but you may not need that much coverage.
Remember, if you are broke, you are not an attractive target for
a lawsuit.
6. Get any discounts you are eligible for. Ask about any "safe
driver" non-smoker" or other special discounts.
7. Home and auto discounts. See if there is a discount if you
insure car and home with the same company. This can often save
you a lot.
8. Pay for 6 months at a time. Don't take the easy
monthly
payment option. They always charge you more for that. Learn to
budget and you not only get really cheap car insurance, but
everything else is cheaper too.
9. Review your policy. Have your policy reviewed and get new
quotes every year or so. If the speeding ticket you had is now
past the three year mark (or whatever the company thinks is
important) they won't automatically drop the rate, so ask. 10.
Consider the insurance costs when buying a car. Sports cars and
others are charged higher rates. This isn't a one time charge.
You'll pay more for as long as you own the car.
11. Keep policy current. I went without a car for a while, and
let the policy lapse because I didn't need it, and there wasn't
enough time left on it to request a refund. When I bought a car
again, the cost for a six-month liability policy went from $167
to $400 because of my lapsed policy. Keep the policy active if
you will be buying again soon, or cancel it, but don't let it
lapse.
12. Get paid for diminished value. If you have an accident, be
sure the insurance pays what it should. "Diminished value" is
often not paid unless you push the point, even though a car
loses value from being in a wreck, even after it is repaired.
13. Remove kids from policy. If the 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.
14. Get older. Rates drop, especially after 25 years old, so get
new quotes now and then as you get older. They may not adjust
your rate automatically. Old safe drivers can get really cheap
car 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: The Secret
Information Site (http://www.TheSecretInformationSite.com)
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| Direct Line offer car insurance, home insurance, life insurance, travel insurance, mortgages, personal loans,breakdown cover and much more! |
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| State regulatory authority. Site provides information for consumers, producers, and the insurance companies themselves. |
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| Regulates the state's insurance industry, encouraging competition to make insurance available and affordable. [some content available in Spanish] |
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