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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Car Financing ? The F&I Department
Car Financing ? The F&I Department
by: Jeff Neilan
OK, you?ve finally gotten through the front end part of buying your car. You have worked hard done some tough negotiating and feel like you have negotiated a good and fair deal on your car purchase and trade-in. Now it?s time to head into the dealer?s F&I (finance and insurance) department and go through the formality of signing the financing paper work on the back end of the deal.
You may have noticed a couple of terms: front end and back end. I used these terms to illustrate a point to you. From a car dealer perspective there are two distinct parts (profit centers) to each deal. The front end of the deal is the new car price, your trade in, any dealer add on?s that they got you to buy with your new car, etc. All of this, most everyone is indeed familiar with. The second part of the deal, the back end, is not a place to let your guard down. The back end is the F&I department. The F&I manager...
Car Financing ? The F&I Department
Car insurance > Car Financing ? The F&I Department
A Guide To Comparing Used Car Loan Rates
A Guide To Comparing Used Car Loan Rates
by: Gregory Ashton
If you want to get the perfect car loan that fits your budget, it is foolhardy to just sign-up when you have not determined all of your available options. Before doing so, you might to consider first the figures that you will be working with.
Once you have determined the model of the car that you want, where you will be getting the loan from, and your monthly allowance for the used car loan payment, you may proceed with signing up. Then you will be on your way to owning the vehicle that you want.
There are a lot of web sites online which offer auto loan rate calculators.
These rates vary by state and city. There are also online lenders who offer a cheaper rate, as compared to getting car loans via banks who - more often than not - deny your loan application, especially for used vehicles.
Research online and visit the used car dealers in your area. Collect the price...
A Guide To Comparing Used Car Loan Rates
Car insurance > A Guide To Comparing Used Car Loan Rates
Ameriplan Consumer Protection Starts With Phone
Ameriplan Consumer Protection Starts With Phone
by: Tim Merrell, the Dental Guy
As more and more big companies, school districts and other municipals are forced to cut healthcare and retirement benefits, it will be up to the consumer to find cost cutting measures. This is one of the reasons that Consumer Driven Healthcare like Ameriplan is experiencing a huge growth market.
If your car has a problem, you call different auto repair shops and compare prices regarding the problem. However, many people don?t call about their dental costs, or doctor?s expenses, because they assume all healthcare prices are set by some standard. Not True! Doctors set their own prices. However, Ameriplan, a company in business since 1992, is helping consumers obtain cost savings on health and dental procedures.
Most insurance dental plans have a cap of $1000.00 per year, and today, that won?t even cover a root canal. Outlined in this updated 2005 document, at...
Ameriplan Consumer Protection Starts With Phone
Car insurance > Ameriplan Consumer Protection Starts With Phone
Travel Insurance
Travel Insurance
by: Sara Chambers
There are many vendors who would try and convince you that going abroad without traveler's insurance is downright foolish. However, most people going on vacation have already invested enough in their travel costs that they generally overlook extra costs they consider frivolous, at best. And there are arguments on both sides of the fence. If you have never encountered a flight or cruise cancellation, loss of personal property, or a serious medical malady outside of the United State's borders, you perhaps have never seriously considered a travel insurance plan. But for those travelers who have had experience with the above, many experts agree that a well researched insurance plan may have helped.
Do You Need Travel Insurance?
Before you decide in favor of or against purchasing travel insurance there are some factors to consider. First, are you planning that amazing, once-in-a-lifetime vacation you?ve had...
Travel Insurance
Car insurance > Travel Insurance