Tag Archives: Compare
How To Compare Low Cost Car Insurance In Oregon
How To Compare Low Cost Car Insurance In Oregon
Everyone wants to save money on their car insurance, Oregon drivers possibly more than most other drivers. The reason for that is that Oregon drivers pay some of the highest car insurance rates in the country.
If your car is being financed by a bank or other financial institution you may have only limited choices when it comes to comparing low cost auto insurance, but by comparing the rates offered by a variety of companies you can still save money – the rates offered for the same policy by different companies can vary by several hundred dollars a year, so taking the time to make the comparison can really pay off.
Start by writing down how much of a deductible you can afford to pay in case you have a claim, and what coverage amounts you will need based on the age of your car, and the area where you live. If you live and drive in an area with a lot of new and very high-priced cars you may wish to take out higher Collision limits than you would if you normally drive in an area where most people drive older models. If your car is over 5 years old consider taking out the lowest amount of Comprehensive coverage offered – or even dropping comprehensive coverage altogether.
Once you know what coverage amounts you are comfortable with, get online and find one of the many sites that allow you to quickly and easily compare auto insurance policies and premium costs.
Be prepared to answer quite a few questions, including questions on your driving history (accidents and tickets within the past 5 years) and even questions on your credit history before you can get your quote comparisons.
Consider the time spent getting rate quote comparisons as an investment in lowering your future car insurance premiums – the more of an investment you make today, the greater your savings will be for years to come.
How To Compare Low Cost Car Insurance In Massachusetts
How To Compare Low Cost Car Insurance In Massachusetts
Car insurance here in Massachusetts is simply a fact of life if you want to drive on any state roadway. But that doesn’t mean that you need to pay any more for your car insurance than you absolutely have to.
Let’s see if we can find one or more ways for you to compare low cost car insurance here in Massachusetts and save money on your car insurance each and every month.
Can you keep your car in a garage at night? If you can your agent needs to know as garaging your car will save you money month after month.
Can you drive less? Many people are now using public transportation whenever possible and leaving their car at home. If you can lower your driving down to under 500 miles per month you may qualify for a Low Mileage Discount.
If you’re truly serious about finding low cost car insurance then you’ll have to keep your driving record spotless. That means no speeding tickets, no moving violations of any kind – and certainly no DUIs or DWIs.
A portion of your premium is probably based on the fact that you drive to and from work each day. If you could carpool and cut your rush-hour driving you should also cut your car insurance premium. And if you should stop working altogether you definitely need to let your agent know as this could save you quite a few dollars each month.
Each year your car loses some of its value. That means each year you should decrease the amount of your collision and comprehensive insurance to match the decline in your car’s value.
If you have several different types of insurance policies it pays to consolidate all of them with one insurance company. In this way you will get a multi-policy discount on your car insurance.
Ask your agent if your insurance company offers a discount for purchasing (and using) a steering wheel locking device or for installing a simple and inexpensive device that disables your fuel pump until you press a hidden button each time you start your car. Ask about other anti-theft devices as well.
Younger drivers can get a 5% or greater discount if they simply stay in school and get a “B” or better grade average. Older drivers may qualify for a 10% discount if they pass a special driver’s refresher course – check with your agent as not all companies offer this discount.
What about your deductible? If you increase your deductible you decrease your monthly car insurance payment. But be careful! Whatever amount you set as your deductible represents cash that you have to come up with in case of a claim. Don’t agree to pay more than you can afford!
Lastly, get online and find 3 of those sites that let you compare the prices of car insurance from various insurance companies. Make sure you fill out the forms on 3 different websites and make sure that you fill out the forms exactly the same way on each site. This way you’ll not only be certain of seeing quotes from all of the insurance companies operating in Massachusetts, but you’ll also be comparing the same policy on all 3 sites.
The rest is a snap. Just look at your results and pick the best price! And that’s how to compare low cost car insurance in Massachusetts and come out the clear winner!
How To Compare Low Cost Automobile Insurance In Washington
How To Compare Low Cost Automobile Insurance In Washington
If you live in Washington State you’ve likely heard of the 25/50/10 coverage. This is reflective of the minimum amount of liability coverage you are mandated to have under state law. Most individuals see the value in having more but it comes at a cost. Finding the best insurance at the lowest price possible is the primary goal of any motorist.
Some tips that may prove fruitful when it comes to comparing insurance policies are:
•If a company gives you a quote that is well below any else, do some research. It’s important to check to ensure that the agent and the auto insurance company are licensed to do business in the State of Washington. You don’t want to get involved with a company that is operating illegitimately.
•Stick to your guns when asking for quotes. Many agents are very persuasive and will try and convince you that you need additional coverage. Ask for a quote for a specific amount of coverage from each agent and don’t be swayed.
•Ask about the accident procedure. Some insurance companies that offer low rates don’t offer the much needed support required after an accident. This can be a highly traumatic time for the policy holder, so you’ll want an agent who will be there for you.
•Inquire about having your policy renewed yearly as opposed to every six months. This can help by locking in a lower rate for a longer period of time.
Even though price is almost always the bottom line, the service provided comes a close second when it comes to automobile insurance. When asking for quotes take note of how the agent pays attention to your questions and requests. This can often be a good indicator of the type of service you’ll receive in the future.
Term Life Insurance Company – How To Compare Them And Choose The Best For You
Term Life Insurance Company – How To Compare Them And Choose The Best For You
There are some companies that only sell term life insurance but they are the exception and not the rule. Term only life insurance companies are usually companies that are proponents of buy term and invest the difference. Most life insurance companies sell both term and permanent life insurance. There are some life insurance companies that have affiliates that sell supplemental policies to support their wide range of life insurance products. Shopping for term insurance is relatively easy but the number of life insurance companies that sell term insurance is staggering. There are a number of things to consider when you choose a life insurance company. How do you want to be serviced? That is an important question to answer because that will help determine what kind of life insurance company will best service your needs.
If you would like to have ongoing professional advice then you need to look at insurance companies that distribute their products through agents. There is an increasing number of people that prefer to do everything themselves either over the internet or by telephone with customer service representatives. There are insurance companies that do business this way as well. Once you have determined your preference then you can narrow down the insurance companies that fit your needs. This kind of evaluation will save you a lot of time when entering a rather large insurance marketplace.
The next step is to ask yourself why you are purchasing life insurance. This will give you a better idea about what kind of policy to look for when obtaining quotes. Debt coverage is usually best protected with term insurance. You may want to look at companies with extensive term portfolios. There are a lot of reputable insurance companies and they are highly regulated by their individual state’s insurance commissioner. There is a rating bureau called AM Best that gives a rating to each insurance company according to their financial strength. You can find this book in most libraries.
How To Compare Low Cost Car Insurance In Connecticut
How To Compare Low Cost Car Insurance In Connecticut
When comparing low-cost car insurance in Connecticut there are a few things you need to keep in mind. Although the coverages may be identical, each insurance company may approach the underwriting information in a different way, and that can result in varying premium amounts. Additionally, you should be aware of the insurance company’s financial stability.
Here are a few things to keep in mind:
1. Claim service: More than just providing an auto ID card, insurance companies must respond at the time of a loss. If your vehicle is stolen or if you’ve been involved in an accident, you want your insurance company to respond immediately. The last thing you want is to be transferred from voice mail to voice mail in an emergency. Find out in advance how the insurance company handles claims. Find out their philosophy on claims and how quickly claims are settled.
2. Financial Stability: An organization called AM Best Company rates the financial stability of all insurance companies. Before you sign on the dotted line, have your insurance agent provide you with the AM Best rating. Some companies with very low rating may give you the best premium quote. However, is it worth saving money on insurance premiums when the company might not be around when you need them to pay a claim?
3. Consistent Underwriting Information: When submitting underwriting information to more than one insurance company, make sure the information is the same for each company. If one company’s underwriter asks for clarification and you provide additional information, be sure to give the same clarification to the other companies you are approaching to ensure that you are getting a true apples to apples comparison.
4. Shop Around: It is best to get at least three insurance quotes for your auto. Too many times people are tempted to take the first quote they receive. You will do yourself a disservice by not getting alternative quotes.
How To Compare Low Cost Health Insurance In South Carolina
How To Compare Low Cost Health Insurance In South Carolina
Health insurance is probably one of the most difficult forms of insurance for the average person to afford each month – and yet without health insurance your home and all of your assets are at risk should you have a major accident or illness.
This is why is it so important for the average person to compare low cost health insurance in South Carolina and find a policy that they can afford to pay for month after month.
Ultimately you will be getting online and comparing health insurance prices on several of the websites that make such comparisons a snap. But before you do that you want to know how to answer the questions these sites will ask you in such a way that you will save the most money possible. That’s what this article will help you to do.
Let’s start with two of the most difficult things for most people to do. Quitting smoking and losing weight.
It’s simply a fact: if you smoke or use chew you will pay more for your health insurance. It’s also true that if you smoked when you previously purchased a policy but you have since quit, you will be entitled to a rather substantial decrease in your monthly health insurance premium.
It’s also simply a fact that overweight people pay more for health insurance. Part of your monthly premium will be based on your BMI – your Body Mass Index. There is some good news. If you can lose even a few pounds it’s possible that you could drop down a notch on the insurance company’s BMI chart – and if you do that you could save a few dollars each and every month.
Believe it or not you can save money on your health insurance if you have a good credit rating. That’s right. Use credit cards and other forms of credit wisely if you want the best rates on your health insurance.
Do not routinely take part in extreme or dangerous sports or hobbies.
Don’t drive a fast and sporty car.
Group health insurance is always cheaper than individual health insurance. If your place of employment does not offer group health insurance then ask around at any clubs, organizations or groups you belong to. A surprising number of clubs and organizations are offering their members group health insurance these days.
If family, friends, or neighbors are getting group health through a club or group they belong to, see if you can join.
Even many religious organizations are offering group health now. Ask around.
If you have a home-based business you may be able to qualify for group health insurance even if you have only one employee – and even if that employee is your spouse.
Even if your home-based business does not qualify you for group rates ask your tax advisor if your health insurance premiums will be deductible. If they are, the tax savings you get may offset the cost of your insurance to the point that your insurance will become affordable.
What about your co-payment? If you can afford to increase your co-payment to 50% you will save a great deal on your monthly premium. This is an especially good idea for people who do not see their doctor on a regular basis.
Increasing your deductible is probably the fastest and most sure way of decreasing your cost of health insurance. But be careful – and honest – with yourself, because you are going to have to come up with your deductible in cash every year before your insurance company will begin paying for any of your health care. So don’t offer to pay more than you can actually afford to pay.
Now it’s time to get online. Use the tips you have gotten from this article to fill out the form on at least 3 different health insurance price comparison websites. Remember to fill out all three forms exactly the same so that you are comparing the same policy on all three sites.
The rest is easy. All you need to do is to choose the cheapest rate for your health insurance and you’re done! You have now compared low cost health insurance in South Carolina and you have found the very best deal you could possibly find. Congratulations!