Tag Archives: cheap
Cheap Health Insurance rates and personal health 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 you don’t have coverage, don’t be tempted to forgo this necessary expense because you never know when an accident can happen. Most people are looking for modest coverage but also want some essentials. Generally, when a person buys their own coverage, they tend to favor high deductibles to save money on the cost of premiums.
Personal health insurance, Cheap Health Insurance and low cost health insurance rates.
Even if you’re on a tight, limited budget, it’s very important that you pick up some kind of cheap health insurance. Even if you only have a plan that covers unexpected hospitalization, your peace of mind will be greatly enhanced. Keep in mind that a catastrophic health insurance policy can come with a high deductible before their coverage kicks in. They don’t pick up the cost of preventive physician visits or emergency room visits to get a few stitches.
Some questions to ask when considering cheap health insurance.
1) Can your and/or your family afford to pay ALL your medical expenses if you’re sick or injured?
2) How much is the deductible?
3) Can you afford the deductible?
With a little searching and comparison shopping you find the best rate for your personal cheap health insurance.
How To Get Cheap Car Insurance Online In New Jersey
How To Get Cheap Car Insurance Online In New Jersey
Anyone can jump online and blindly start filling in forms on one of the many websites designed to let you compare the cost of automobile insurance between different insurance companies. But unless you know the right answers to plug into the form you’re not really getting the results you’re hoping to get.
Before you go online to find the best price for your automobile insurance it would pay you to take a moment and put together – on paper – a policy that is designed from the ground up to provide you with the car insurance you need at the lowest price possible.
Then, when you make your price comparisons online you’ll really and truly be finding the very best price you can possible get for you car insurance.
So what are some of the things you can do to lower your car insurance rates immediately?
The most important thing you can do to keep your insurance rates as low as possible is to keep your driving record clean. In other words, don’t speed and don’t do anything else that will place a moving violation on your record.
Whatever you do, never drive drunk or impaired. Do you have any idea what even one conviction for Driving While Intoxicated (DWI) or Driving Under the Influence (DUI) will do to your car insurance rates? One conviction can almost double your rates. And if you are convicted for a second DWI or DUI you’ll be lucky to find car insurance at any price.
Can you keep your car in a garage at night? If you can, let your agent know as this will save you some money every month.
What’s your credit score? Many people are unaware that their credit score affects how much they pay for car insurance, but it does. Keep your credit in check and do whatever you can to raise your score because the better your credit score the lower your monthly car insurance premium is going to be.
If you have other insurance policies it will save you money if you can consolidate them all with the same insurance agency. In this way you will qualify for a Multiple-Policy Discount on your car insurance.
Have you been with the same insurance company for at least 5 years? If so, be sure you are getting your Long Term Discount on your car insurance.
Are you under 25? Drivers under 25 are automatically placed in a higher-risk category and their rates are higher. If you can stay on a parents’ policy until you have your 25th birthday that will help to keep your rates a little lower, and if you stay in school and maintain at least a 3.0 grade point average you will save an additional 5% as a Good Student Discount.
Are you 55 or older? Many car insurance companies will allow you to take a special driver’s refresher course that (assuming you pass it ) will save you about 10% a month on your premiums. Ask your agent if your company offers such a program.
Don’t make small or frivolous claims. Many insurance companies offer you a discount or will reduce your deductible if you go as little as 6 months without filing a claim.
If you drive an older car which no longer has any Kelly Blue Book value then you are just throwing your premium dollars down the drain if you continue paying for collision or comprehensive insurance. Save your cash.
And speaking of cash, how large of a deductible can you afford? Consider carefully because the size you choose represents the chuck of cash you will have to come up with out of your own wallet if you should ever file a claim. With that in mind, the larger your deductible the lower your monthly car insurance premium will be.
All right. You now have enough information to intelligently answer the questions on several of the car insurance price comparison websites so that you can create the least expensive policy possible.
Don’t get lazy and think that you only need to make your comparisons on one website. You’ll need to make comparisons on at least 3 websites if you want to insure that you are really and truly finding the best price possible and getting the cheapest car insurance online in New Jersey that you possibly can.
How To Get Cheap Health Insurance Online In New Jersey
How To Get Cheap Health Insurance Online In New Jersey
Finding cheap health insurance online in New Jersey has become a quest bordering on an obsession for many people. Health insurance is expensive and it seems as if it is getting more expensive by the month. In fact, health insurance has gotten so expensive that almost 17% of all New Jersey residents are without health insurance of any kind.
If you have children 18 or younger and you are unable to find any insurance that you can afford that will cover them it is possible that they (and even you) might qualify for a low-cost state-sponsored insurance program known as the New Jersey Family Care program.
Fortunately there are several steps almost anyone can take which will help reduce the amount they have to pay for their health insurance every month.
Start with lifestyle. If you smoke you’ve heard it before, but the fact is that smokers pay considerably more for health insurance than do non-smokers. If you are serious about saving money on health insurance then you are going to have to be equally as serious about quitting smoking – and that goes for using chew or any other tobacco products as well.
Your weight is another factor that health insurance companies take into account. Your BMI, or Body Mass Index has a great deal to do with how much you pay for health insurance. For many people losing weight seems like an impossibility, but if you can lose even a little there is the chance that you might drop down into a lower BMI rating and if that happens you could potentially save hundreds or even thousands of dollars on your health insurance premiums over time.
What’s your credit score? Believe it or not your credit score affects how much you pay for your health insurance, so do whatever you can to keep your credit healthy. The healthier your credit score the less you are going to pay for your health insurance.
Can you consolidate other insurance policies you have with the same insurance company? If so you should get a break on your health insurance through what is called a Multi-Policy Discount.
Have you had a health insurance policy for at least 5 years with the same company? If so ask for your Long Term Policy Discount.
Do you participate in extreme or dangerous sports? Do you drive a fast, sporty car? Do you have a job that is considered dangerous? If you answered “Yes” to any of those questions chances are you are not going to get the cheapest rate on your health insurance.
Check around to find out if you could possibly find a group health insurance plan. Even if a group plan is not offer where you work, or if you work out of your home, there still may be a way for you to get group health insurance. Do you belong to any clubs or any groups? Quite often an organization you might never think of in term of health insurance offers its members a great group plan. Start asking around. Some churches even offer group health insurance.
What’s your co-pay? If it is under 50% you might want to seriously consider raising it to 50%. This is a decision you can’t make lightly since it means a greater amount of money out of your own pocket each time you visit the doctor, but if it makes sense to you to raise your co-payment you will reduce your monthly premium payment. If you don’t see your doctor very often over the course of an average year this could be a great way for you to save some serious money.
What about your deductible? Once again this is something that needs to be considered carefully because your deductible represents a chunk of change that you have to come up with each year and spend on your own medical needs before your insurance company will pay its first penny toward your care. Just remember that the more you are able to pay – the larger your deductible – then the less you’ll pay each month in premiums.
So there you have it. Now you know how to fill in the form on those websites that let you compare the prices of health insurance online in New Jersey – simply use the information you have gathered from this article.
Be certain that you take the time to fill out the form on at least 3 different websites and you’ll be virtually guaranteed of finding the rock-bottom lowest price there is for cheap health insurance here in New Jersey.
How To Get Cheap Health Insurance Online In Iowa
How To Get Cheap Health Insurance Online In Iowa
Health Insurance is expensive no matter where you live. Here in Iowa nearly 17% of all the state’s residents cannot afford health insurance of any kind. If your place of employment or an organization you belong to does not offer affordable group-rate health insurance then you have no choice but to look for cheap health insurance online.
The good new is that there are ways for you to bring down the cost of your health insurance.
Obviously there are dozens of websites that will let you quickly and easily compare costs for health insurance from different insurance companies, but before you jump on one of those sites you need to make sure you are structuring a policy that will let you get the cheap health insurance coverage that you want.
For example, you need to stop smoking and you need to stop using any tobacco products of any kind. If you want cheap health insurance this is just something you need to do. If you already have health insurance and you were a smoker when you first applied but have since quit, you need to tell your agent – because you could very well be in for a nice reduction in your monthly premiums.
Losing weight is even more difficult than quitting smoking – but if you are overweight you are going to pay more for your health insurance. If you can lose even a little weight you may find yourself in a lower-risk category and that could save you some real bucks each and every month.
Don’t participate in dangerous sports or hobbies. Extreme sports or hobbies may get your adrenalin pumping, but they also drive up the cost of your health insurance every single month.
Can you increase your co-pay? Most health insurance policies require you to make a co-pay any time you visit the doctor’s office or use most any health service. Many people have a 20% or 25% co-pay, meaning they pay up to 25% of the bill for a doctor’s visit in cash at the time of the visit.
If you can increase your co-pay to 50% you can save quite a bit on your health insurance premium each month. Obviously this works best for people who do not see their doctor on a regular basis, but it is something for everyone to keep in mind.
And that brings us to your deductible. How much can you afford to pay for your own health needs each year before you even ask your insurance company to help you out? Consider your answer carefully as this is money you will have to come up with each and every year – but the higher your health care deductible the lower your monthly health insurance premium will be.
If you still can’t afford health insurance but you have a home or a savings account or other assets that you need to protect from an unexpected medical emergency, then you may want to consider purchasing a super-high deductible health insurance policy.
A policy with a deductible of ,000 or more is very inexpensive. These policies are not designed to help you with your normal health costs each year (you’ll pay for your own doctor’s visits and even out-patient surgeries). What these policies are designed for is to protect your home and assets in the event that you should suffer a catastrophic accident or illness that puts you in the hospital with huge medical bills in the tens of thousands or even hundreds of thousands of dollars.
Now that you know how to design a health insurance policy that will save you the most possible each and every month it’s time to get online and start comparing prices for that policy at every insurance company that operates in the state of Iowa.
Don’t fall into the trap of believing that you only need to make comparisons on just one website. Unfortunately that’s not the case. Each website only compares a handful of the different insurance companies operating in Iowa. If you’re serious about getting cheap health insurance online then you’ll need to take the time to make your comparisons on at least 3 different websites.
Once you have done that then you can feel confident that the lowest price you have found really is the best price you’re going to get on cheap health insurance online in Iowa.
Car Insurance Rates – Finding Them Cheap
Car Insurance Rates – Finding Them Cheap
Probably the most important thing when you’re looking for cheap car insurance is to shop around. You need to look at competing products, and let the companies that you’re dealing with know that you are looking around as well. Many companies do have flexibility with the packages they are prepared to offer you, and this goes double if you go to an insurance broker, who makes their livelihood by making deals between private citizens and insurance companies.
There are some factors that can work in your favor when it comes to getting reduced costs for your car insurance. Are you female? Are you over 25? Are you in good health? Do you have a completely clear driving record? All of these things can work in your favor. The less of a risk you can prove yourself to be, then the chances are better that you can get lower premiums.
Other ways that you can get reductions on your car insurance are to package your car insure with house, contents and or life insurance. Having all your insurance together means that you might be able to get one relatively low premium, rather than having to pay separate premiums for each insurance need.
You can also look for reward deals. Some companies will drop their premiums for you if you’ve been with them for a certain amount of time without having an automobile altercation and needing to draw on your insurance to cover it. These can really work out to be much cheaper over time.
Another thing you can do to save yourself some money is limited insurance, meaning that you insure the car only for yourself, or perhaps for you and your partner. This will get reduced rates versus insurance that covers anyone driving your car, or insurance that covers your wild young teenagers driving your car.
The best way to get cheap car insurance though, is simply to be a safe driver.
How To Save £££s On Cheap Car Insurance
How To Save £££s On Cheap Car Insurance
How to save £££s on cheap car insurance
Life, it seems, is one continuous cycle of spending.
Mortgage, council tax, gas bills, pensions, road tax, TV licence, telephone bills, MOTs. The list seems endless. It’s a wonder that we’ve got any money left over for the things that we enjoy.
Most of the bills we have to pay don’t leave us with any choice; it’s a set fee and non-negotiable. But there are some things that we have a degree of control over.
And, thankfully, motor insurance is just one of those things. By searching around the plethora of different companies and policies that are available you should be able to get a deal to suit your budget.
But there are also ways of saving a little bit more cash and ensuring yourself an extra cheap car insurance deal. And Duck2Water Car Insurance Services have revealed how to do it, betraying a few industry secrets to give you the low-down on bagging some cheap car insurance.
Start off by clearing all the old junk out of your garage, making enough room to squeeze your car in. A vehicle parked in a garage is so much less likely to be stolen or vandalised than one left on the street and a car insurance company will recognise this, giving a significant discount.
If there’s no garage available then the driveway still beats the street but do make sure that you get hold of a decent steering lock and, if possible, invest in an immobiliser too.
Arrange to go on an advanced driving course where you’ll learn a few extra little skills. It may seem a big hassle, especially if you’ve just passed your test, but motor insurance companies put a big value on courses such as Pass Plus, and as a result you should save a few extra pennies. As well as that, you’ll learn some valuable driving skills that are definitely going to come in handy somewhere down the line.
However much discount you’re going to be able to negotiate, your car insurance is still going to cost a fair bit. It’s tempting to spread the cost of the payment out over the course of a year, but if possible, try and pay it all up front. Most motor insurance firms charge a fairly high rate of interest, so if you really can’t afford to pay the lump sum, see if you can borrow the money more cheaply somewhere else.
If your car is getting on a bit, consider buying third party, fire and theft cover instead of fully comprehensive. If you drive a bit of a heap then think about whether your car is worth the extra premium that you’ll pay to get it comprehensively covered. You’ll still be insured against any damage that you cause to another vehicle or person and you’ll receive the whole value of your car if it happens to get stolen or burnt out.
Shop around for a quote; don’t just buy from the first company you come across. Try different combinations of options that are available to see what the best price you can get is. And if you do find a cheap car insurance quote that you think sounds good, tell another company and give them the chance to undercut the price. After all, they’re desperate for your business and so should be willing to knock off a few pounds to have your custom.
Most importantly, buy your car insurance online. High street insurance firms aren’t worth dealing with as they won’t have a chance of matching an online quote. An online firm, on the other hand, has got lower overheads so can afford to cut the price right down and give you a bargain.
Following these few simple guidelines is a guaranteed way to save a few quid and get a cheap car insurance deal.