27. October 2016 · Comments Off on Best Practices for Finding Affordable Car Insurance Online · Categories: Car Insurance

Having car insurance for your vehicle is not an option because most states mandate that you carry a minimum amount of insurance for your vehicle. In other words, this is a necessary expense, so it is important that you find the most affordable car insurance possible so you can save money.

Why you need car insurance

Not only do you need car insurance because it is mandatory, you also need it in order to protect yourself. If you were in an automobile accident without any insurance and the accident was your fault, you could be sued. In order to compensate the victim for the damage done, you could lose your assets. Your assets include any other vehicles you may have, your home, and your property. With insurance, you are able to protect your assets.

You also need to have adequate insurance. This means having enough protection to cover damages in the case of a car accident. For example, the damages in an accident that was your fault may total $25,000. If you only have $20,000 in coverage you will be held liable for the other $5,000.

Another reason why you need car insurance is because you can protect your vehicle against damage inflicted beyond your control. For instance, a hail storm may cause thousands of dollars in damages. You can make a claim to your insurance company and have the repairs paid for. Without insurance you would have to pay for the damages out of your pocket.

Lastly, not having car insurance can result in the loss of your license. If you are pulled over for speeding or another traffic offense and can’t provide proof of insurance, this secondary offense can cause your license to be suspended.

Understanding affordable car insurance

When you are buying affordable car insurance you have to understand it. First, you have what is called a deductible. This is how much money you are willing to pay out of pocket in the case of an accident. There are times when the deductible may need to be paid and times when it may not need to be paid. If you are involved in an accident that is not your fault, you will not have to pay your deductible because the other party’s insurance will pay for it. If you drive into your garage door and damage your car, then you will need to pay your deductible when you make a claim.

There are different levels of deductibles that you can opt for. Know, however, that the higher the deductible the lower your insurance premium is going to be. If you choose a $500 deductible, your premium is going to cost more than if you had a $1,000 deductible. Just make sure your deductible is one that you can afford if the unexpected were to happen.

Another item you must be aware of is the fact you must ensure you have enough coverage in the various areas of your policy. For instance, your policy has bodily injury coverage. This means that you are compensating the injured party for their bodily injury up to a certain amount. Keep in mind that medical expenses are very high. If you opt for $15,000 in bodily injury coverage (the minimum in some states), know that many times medical costs can exceed this depending on the severity of the injury.

Lastly, there are various options you can add to your policy if you find them necessary. Nevertheless, ensure that you are not adding anything that you don’t need. Then again, make sure you are providing yourself with adequate coverage. If you want to add the rental car option onto your policy, then you may do so. Keep in mind, however, that you may never use it.

Don’t pay too much

Fortunately, there are ways in which you can secure affordable car insurance and have enough coverage. There are those “jewels” in the insurance world that offer you the right coverage for the right price.

Here is how you can find them:

1. Compare insurance rates online and in your local area. Do this by obtaining quotes. You can call your local insurance companies or go to their websites and the websites of companies outside of your local area to see if they have a “quote tool.” This is a tool that enables you to enter your vehicle information, demographics, and what kind of coverage you’re looking for.

2. Think about how much you may need. You may need to determine the minimum amount of coverage required in your state and take it from there. The minimum amount is usually not enough.

3. Ask about car insurance discounts. There are good driver discounts for those not in accidents, good student discounts if you have a student on your policy who is maintaining good grades, discounts for college students, and discounts for carrying multiple policies with the same company (affordable car insurance, life insurance, homeowners insurance, etc.).

4. If you talk to the car insurance company personally, let them know that you are looking for the most affordable car insurance and inform them that you are comparing companies. You may tell them how many companies you are comparing so that they will compete for your business.

5. Don’t forget that you can adjust your deductible to change the cost. Ask for quotes on different deductibles.

6. You may ask the opinion of each affordable car insurance company you find in regards to how much coverage they think is necessary. You can read a lot into their response by seeing if they simply want the most money out of your or if they are truly interested in saving you money. Compare their responses.

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21. October 2016 · Comments Off on Search for Cheap Auto Insurance Quotes and Don’t Break the Bank With A Car Insurance Company · Categories: Car Insurance

When it comes to getting your car insured, you will hear people talking about rates that are over a hundred dollars a month. If you are like most, that is extremely high, almost to the point of unaffordable. It does not have to be this way. What many big name insurance companies do not tell you is the fact there are many ways to get cheaper car insurance. Searching on the internet for cheap auto insurance quotes is an indirect way to find affordable and cheaper auto insurance companies.

When you have a teenage child, purchasing a car (new or used) will entail getting that vehicle insured. Many parents require the teen to pay for the additional insurance, as it can cause an additional burden on the family finances. Some families will even choose to put the child on a separate insurance so their own rates will not go up. There are, however, many ways to offset the additional cost making it so keeping your family safe will not break the bank.


One of the best ways to lower the car insurance bill is by accumulating discounts. Families that add the child and car onto their plan will discover they are eligible for a multi-car discount. If the child is a good driver, with no traffic infractions, then that will further drive down the rate of the car insurance premiums. Finally, as an additional incentive to keep grades above a C, students will be eligible for an additional good student discount on many insurance plans. If your agent does not tell you about it, ask them. If they do not offer it, consider a different company.

Car Details

Unbelievably, the vehicle you purchase will determine the premiums charged. While this no longer includes the color, it does include the make and model. What is taken into consideration with insurance premiums is the price of the car, the style of the vehicle (sports cars), and if the vehicle is a model that is commonly stolen.

You can combat those insurance premium hikes, however. First, you can purchase a used car. The older cars will have lower premiums, just as your insurance premiums drop as your car ages. Secondly, you can install anti-theft devices in your vehicle. Devices such as On Star will help recover your vehicle if it is stolen, and insurance companies are less likely to be out money. If you park the car in a garage, then you will want to make sure that you tell the insurance company that. Vehicles that are protected from the elements and in a locked location are less likely to be damaged or stolen.

Finally, with the addition of safety devices on the car, you will see insurance rates drop. Air bags and seat belts should all work, and ones that automatically lock when you close the door are ideal. This requires the driver to be buckled in, which will help them remain safer in the event of an accident. Studies have shown that fewer people die as the result of an automobile accident when they are properly restrained and the air bags deploy.


A teenager can lower their insurance premiums by simply taking a driver’s education course through a licensed school and complete a defensive driving course. You will want to make sure you have documentation showing that the child has completed the courses successfully, in order to have little problem receiving the discounts. Again, if your current insurance company does not offer benefits for taking courses, you will want to reconsider whom your car insurance is through.

Teens that are learning how to drive will make mistakes. It is just like anything that you learn. These mistakes, however, can be costly when it comes to vehicle insurance. Restricting the amount the teen drives until they are more experienced is a way to help them reduce the number of accidents. In addition, the fewer miles put on the vehicle will cause the insurance rate to be lower.

What you have on your car insurance will reflect how much you pay. If you wish to lower your car insurance premium, be willing to pay a little more if there is an accident. If the vehicle is too old to be worth anything in the event of a wreck, remove the collision and comprehensive coverage. Make sure that you are aware of your vehicle’s worth prior to making these changes, as some cars may be worth more than you think.

13. October 2016 · Comments Off on Florida Health Insurance – Take Advantage of the Internet’s Price Transparency · Categories: Health Insurance
07. October 2016 · Comments Off on Top Tips For Buying Affordable Health Insurance · Categories: Health Insurance

· First things 1st, Protect yourself

Never, Never, Never let your health insurance lapse. If your new insurance doesn’t come through or your health conditions have changed you may not be eligible for similar coverage at a similar price.

· Avoid fraudulent insurance plans

Always, Always go with a large well known company. Small or unknown insurance companies that aggressively fight for you to sign up and have lower rates than comparable plans of larger companies are a bad bad sign. They sign up thousands of individuals in good health then suddenly when people start submitting claims the insurance company starts dramatically increasing their rates. Clients in good health go elsewhere but those with health issues get stuck. The insurance company may continue increasing rates and reducing benefits leaving you stuck between a rock and a hard place.

Call your states insurance department and make sure the insurance agent and company are legitimate, and licensed in your state. Most fraudulent plans are sold over the Internet or through direct mail solicitations.

Always use a check, money order or credit card when buying a policy so that you have a record of your purchase. Never pay cash and avoid direct withdrawal and automated payments at least for several statement periods. Never make payments to the agent, only to the insurance company.

Never be pressured by “one time deals” or “last chance offers for special savings”.

· Know what your buying

Remember if it sounds too good to be true, it probably is.

When comparing health plans, check the “Exclusions” first. One of the first things an experienced agent looks at in a health insurance plan is the list of plan exclusions, or what is not covered. Often found in small print, what is not covered is equally if not more important than what is.

Comparing policies and providers is a must in today’s high cost insurance market. Using a website or agent that compares multiple providers and plans is the best way to ensure your getting the best policy for the right price, but remember if a policy is significantly cheaper, beware.

· Important notes of interest

Smoking will dramatically raise the policy prices of your health and life insurance plans.

Locking into a health insurance policy when your young will help you ensure long term affordable coverage since getting health insurance when your older, or have established medical issues is much more difficult and costly.

Having some individual health insurance is far better than having nothing at all. With no rehabilitation benefits you could lose your job, in turn losing everything you’ve worked for.

· What are your needs?

Are you planning on starting a family, and therefore in need of both maternity and child coverage, including immunizations? A problem newborn can easily accumulate $200,000 in advanced medical care. Therefore a plan with maternity benefits can shoot up costs. Overall, buy the best policy you can afford to keep.

Would you like your office and/or hospital visits included in your coverage? Do you need coverage for prescriptions? Be sure to consider your current and future needs when shopping for insurance.

Do not inquire about health insurance until you have fully evaluated your present and past medical conditions. An Individual Health Insurance Company may elect not to cover your conditions, or they may pump up the normal premium rates.

If you have serious health conditions you might try to see if Blue Cross will insure you, keep your current coverage in place if they have a 180 +- day delay for pre-existing conditions.

· How can policy rates be adjusted to be more affordable

Check to see how much lower your premium will be if you opt for a major medical plan with a $1,000, $2,500, or even $5,000 deductible.

I recently switched from an insurance plan with $1000 deductible plus 50% copay to $3500 and $30 copay per office visit. To a 1500 deductible with only 3 office visits paid for per year. I rarely go to the doctor so having to pay for my visits myself wasn’t going to cost me much and my policy was $400 less per quarter, substantially better for me at $1600 per year savings.

Note: not all individual health insurance policies are Major Medical plans. Some are hospital plans with stripped benefits, or just hospital indemnity plans which would limit the amount paid per day for hospitalization.

Check to see if the insurer has one rate for all ages, male and female. Some individual health plans base your rates on age, with females getting lower rates at certain ages, and males getting higher rates.

Get multiple quotes from various insurance companies in order to make your best decision. By comparing companies, you may save some money and find greater benefit plans. Be sure that you are comparing apples to apples, since prices and coverage on different plans will vary.

· There are several types of health plans available to choose

Always try to purchase a Major Medical insurance plan. Most Major Medical plans will pay up to $2,000,000 or more in lifetime benefits.

There are major medical plans available that allow you to customize your coverage and stay within your budget. Health insurance plans that cover all the basics are flexible and affordable. You can pick and choose the coverage and deductible amount you want.

Check out the HMO (Health Maintenance Organization) beware though, an HMO is difficult and resistant, you may have to beg to get a referral approved, even though your doctor insists on it. Plus you select your doctor from their list and only use a certain hospital when necessary.

A PPO (Preferred Provider Organization) offers more flexibility at a higher price.

POS (Point of Service), HSA (Health Savings Account-also known as MSA-medical savings account), and traditional indemnity, which is becoming less common as it is more expensive than the other plans. Carefully compare the pros and cons of each plan, and consider which will be more beneficial to you.

One plan that is gaining popularity fast is a (HDHP) High Deductible Health Plan. Major medical coverage is provided with this type of plan. This type of plan features higher deductibles than other types of health insurance and provides coverage for serious injury and illness. Routine doctor’s visits and exams can be included for as cheap as $19 per month with this plan.

Similar to an HMO, PPO, and POS an HDHP uses a network of doctors and hospitals to provide complete medical care and benefits to it’s members. These networks are very large and have providers wherever you may live in America. Discount medical service is given to members of an HDHP plan allowing you and your insurance company to reduce medical costs which keeps your premium lower.

Many variables are possible with an HDHP health plan such as a high deductible, flexible catastrophic limits, coinsurance, copays, preventive care, and prescriptions. Monthly premium savings can be quite substantial, so be sure to look at a high deductible health plan before you decide to buy a new health insurance policy.

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01. October 2016 · Comments Off on A Guide To Classic Car Insurance · Categories: Car Insurance

Classic car insurance policies and requirements have changed over the last few years. Because the new models are very high-tech, older cars, usually over 15 years old, now fit into the category previously reserved for vintage cars. These cars are usually in collections and rarely driven, but classic car insurance may cover some cars that are still used regularly. Fewer people are buying new cars in the economic downturn of the last several years, and 50 percent of the cars on the road qualify for classic car insurance. For the owner of an old car, it is worth searching insurance companies online to see if they qualify for the lower premiums.

In the past, the restrictions for classic car insurance included specific qualifications for type, make, model and age of the car. Often specialist insurance brokers were the only companies that insured vintage cars. Today, the larger insurance companies are taking advantage of the large amount of automobiles that come under the previously exclusive parameters.

Classic car insurance was always less expensive than the regular insurance because the cars were so little used. Now that there is so much competition among insurance companies to get customers, the prices are getting even lower.

As with any major investment, it is better to research all options before choosing classic car insurance. There are restrictions for the amount the vehicle can be driven, which may make this type of insurance impossible for some. The amount varies with insurance company, but it can be as little as 3,000 miles per year. This will not be sufficient for those who commute to work or like to travel distances to visit friends and family. These details and more need to be ascertained before a policy is chosen because often the restrictive conditions don’t become clear until there is an accident and a claim is made. At this point, it is too late to get coverage for damage.

Another aspect of classic car insurance to consider is the lifestyle of the car owner. The premiums are often adjusted according to the age and gender of the owner. Policies for women and older people tend to be less expensive. Insurance companies also vary quotes according to the age of the owner. Some will give classic car insurance to people as young as 21 years, and some will not give unless the owner is over 25 years.

Most old cars do not have very high resale value and do not warrant classic car coverage, even if they qualify under the requirements. For these cars, an ordinary automobile insurance policy would probably be less expensive. Mainstream companies can offer discounts, especially to customers online, and special offers that Classic Car Insurance providers cannot.

Whichever type you choose, be very careful to understand the terms and conditions, so there are no surprises at the time you need to make a claim. A policy that seem good and is inexpensive may not give all the coverage you need. Automobile insurance should serve your needs without being costly.

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