Insurance

Insurance - All The Information You Need On Insurance

7 Tips Toward Helping You Reduce Your Insurance Costs


Insurance

Not a year goes by that insurance rates go up. At least it seems that way. You can control ? even reduce ? your insurance expenses by following these seven easy to remember tips.

1. Combine Policies. If you own a home and you own a car, purchase your insurance from the same company. Some insurance companies reward those customers who choose to bundle their insurance together with discounts as high as 10%.

2. Adjust Your Deductibles. Perhaps you don't need a $200 home deduction. If you can live with a deductible of $500 or more you can save significantly from year to year.

3. Special Discounts. Depending on your age, there may be special discounts you can take that will also reduce your premiums.

4. Examine Your Policy. Oh, we do think they are correct ? right? Well, if your address is incorrect you could be paying more than you should. Check to make sure that your correct zip code is listed...it could cost you money if your insurer has you living in another neighborhood.

5. Abstain From Bad Habits. If you do not smoke or drink, make sure that your insurance company knows this. Your rate will drop accordingly if this is news to them.

6. Eat Your Losses. If you have a small claim, consider not submitting this information to the insurance company. Any claims you make can push up your rates down the road thereby costing your more in the long run.

7. Pay Now, Save Later. Instead of breaking up your premium into monthly payments, consider paying the entire premium at one time. Usually, insurers tack on a surcharge for the privilege of monthly payments.

You may also be able to save yourself some money by sticking with one insurer as they will reward regular customers with "loyalty" discounts. In addition, it may pay for you to have an alarm installed on your car or home, especially if you live in a higher crime area. Finally, meet with your broker from time to time to see how you can reduce your payments.

Matt Keegan is The Article Writer who covers topics from business to human interest to politics. You can view his site at http://www.thearticlewriter.com







Car Insurance Rates   |   Dental Insurance   |   Health Insurance   |   Home Owner Insurance   |   Life Insurance Quote



| 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 |











What To Look For In Good Health Insurance
Health insurance is a kind of protection that provides payment of benefits for covered sickness or injury. Included in health insurance are various types of insurance such as accident insurance, disability income insurance, medical...(related: Insurance)


What Are The Differences Between A Cancellation Notice And Non-renewal Notice?
OK, you take that stroll down to the mailbox excitedly as you do everyday hoping to find the catalogue with all that neat stuff you want to buy or to find that magazine you love to read or to find that big check Uncle Bob sent! Come on, you know you love getting mail and really look forward to this daily ritual. You know that Mr. Postman has brought you something fun along with those pesky bills.However, sometimes you get mail that sca...(related: Insurance)


Life Insurance: Why Theres No Need To Be A Desperate Housewife
Life insurance looks set to make a comeback in the UK, after a period of neglect by consumers who were simply occupied with affording a home. The stabilising of the UK house market has made many consumers take a broader view to their personal finances.LifeSearch (a life insurance broker), in the September issue...(related: Insurance)


Cheap Health Insurance Rates And Personal Health Insurance
If you've been out of school for a couple of years or perhaps just graduated from college, you're probably a candidate for cheap health insurance. Once a person reaches a certain age they're no longer covered by their parents health insurance plan. If you're just starting out it's important to find cheap health insurance coverage. If you've just graduated from school or just started work and y...(related: Insurance)


Types Of Life Insurance
There are different types of life insurance policies available. Shop around and compare policies to ensure that you receive the best deal possible. This sounds obvious, however, there are dozens of different types of life cover plans available and it is important that you select the right one for your circumstances.Life Insurance is insurance that provides protection against the economic loss caused by the death of the person insured. There are several types of Life Insurance, each having different characteristics. Some of the key types of Life Insurance are: Term Life, Whole Life, Burial Insurance, Survivorship Life, Universal Life, and Variable Life Insurance. Outlined below is a useful description of each type:Term Life InsuranceTerm Life Insurance is the lowest cost and simplest product available. Term insurance is a...(related: Insurance)


Health Savings Account (hsa): What Happens To It When I Retire?
The Health Savings Account (HSA) is a great tool that is going to helpus all reduce our health insurance costs and avert the currenthealthcare crisis in America. But what happens when a personretires? What use is an HSA then?Your HSA transforms itself at that moment you turn 65, when youofficially become eligible for Medicare. Your Health Savings Account,which will have served you all those years as a nice financial cushionbefore you begin using your insurance policy, flips into something very similar to an Individual Retirement Account (IRA).<...(related: Insurance)


7 Sure-fire Ways Of Reducing Your Home Insurance Premium
Home security improvement:All insurance companies will happily offer you a discount for burglar alarms and smoke detectors. Homes with fire and burglar alarms that communicate with a third party monitoring company receive a higher discount on their insurance premiums.When possible, choose a higher deductible:To reduce your premium, it is best advised to increase the deductible to the extent you can afford. Your home insurance premium will fall by as much as 20% if you increase ...(related: Insurance)


Filing Homeowners Insurance Claim Forms: What Steps To Take
Filing a homeowners insurance claim can be done with ease if the proper procedures are followed correctly. Periodically reviewing your insurance policy and keeping up to date with what your duties and...(related: Insurance)






Google




Global Warming: Why Consumers And Insurers Are Getting Hot Under The Collar Over Life Insurance.
Global warming may have been lurking on our horizon for a number of years and historical records of terrorists have existed for thousands of years, but we are coming into a new age where we try and financially protect ourselves against such problems and if we're honest ? we're struggling.The recent terrorism attacks in London brought home the fragility of human life to many Brits, who had previously been able to distance themselves from terrorist activity. For the partners and offspring of city workers, the fragility of their finances also became apparent with the potential loss of a loved one alongside the loss of future income and possibly the family home.It is widely agreed that most life insurance policies should cover acts of terrorism, though most websites (including the Association of British Insurers) ...(related: Insurance)

Auto Insurance Primer
What is auto insurance? Auto insurance (or car insurance, motor insurance) is insurance consumers can purchase for cars, trucks, and other vehicles. Its primary use is to provide protection against losses incurred. By buying auto insurance, depending on the type of coverage purchased, the consumer may be protected against:* The cost of repairing the vehicle following an accident* The cost of purchasing a new vehicle i...(related: Insurance)

Life Settlement Overview
A "Life Settlement" is a lump sum settlement paid to the owner of a life insurance policy by one of many funding sources in exchange for the ownership of the policy. Never before have non-terminal policyholders been able to receive capital in excess of their policy's cash or surrender value to increase their wealth. A Life Settlement can usually provide anywhere from 2 to 5 times the cash surrender value of the policy. "With the life settlement option availble, there...(related: Insurance)

site-map - Copyright © 2006 Insurance | All Rights Reserved. | Insurance