Tag Archives: Insurance
Home Owner’s Insurance Tactics That Will Give You The Edge In The Insurance Market (2)
Home Owner’s Insurance Tactics That Will Give You The Edge In The Insurance Market
Home owners insurance can vary greatly from company to company and even policy to policy. How much you pay will depend on the coverage options you choose. So just how does one select the coverage that is right for them? In this article, we will discuss some tips that can help.
Engrave your personal information on high-dollar items such as electronics to make them more easily identifiable in case of theft. Your home owner’s insurance policy provides coverage from theft, but taking the time to record your name and address on valuables can help the police after a claim and may result in the recovery of your possessions rather than having to replace them.
If you keep valuables in your home, make sure they are covered by your home insurance policy. Standard home insurance polices cover the structure of your home and your personal belonging, but they may not cover high-value items like jewelry, paintings or coin collections. If the value of your personal items exceeds your insurance policy limits, you will need to add extra coverage to your policy otherwise if the items are stolen or destroyed, your home insurance provider will not pay to have them replaced.
Find out what kind of home replacement coverage is offered on your home owners insurance policy. Some will guarantee replacement while others will limit the amount of money you will get if your home is destroyed. Some insurance companies have a cap on the payments to a percentage of the face value of your policy.
As soon as you pay off your mortgage, contact your home insurance company. There is a good chance that you will get your premium reduced. An insurance company views someone without a mortgage in a positive light, thinking that they are more likely to take good care of their house if they own it outright.
One way to save on your home owner’s insurance is to increase the amount of the deductible on your policy. Increasing your deductible can usually help bring your premiums down. Make sure, though, that in the case of a claim you are financially comfortable with paying the deductible amount you are choosing.
Before the weather gets cold, prepare your home for winter conditions to reduce the likelihood of damages caused by weather conditions. Below freezing temperatures can cause frozen pipes and other damages to your home, so taking the time to winterize your home can save you from home owner’s insurance claims related to weather damage.
Don’t under-insure the items in your household to save a few bucks on your insurance premium. This seems like a good idea when you take out your policy, because no one really thinks a disaster is going to happen to them. The problem is, if and when a disaster does hit, it’s tough enough already without having to come to terms with the fact that your insurance money is not enough to at least replace some of the material items you’ve lost.
As we have discussed in this article, there are a variety of home owners insurance policies to choose from. Finding one that best meets your needs is the goal. By following the tips we have discussed, finding the coverage and price that will work for you doesn’t have to be difficult.
How To Get The Best Rates On Health Insurance In Alabama
How To Get The Best Rates On Health Insurance In Alabama
Health insurance costs are a hot-button topic right now. The problem is being debated at the highest levels of government and it’s possible that someday a solution to this problem will be reached. In the meantime it is up to each and every one of us to do whatever is necessary to find ways of reducing the cost of our health care insurance on our own.
Fortunately there are ways for you to reduce your health insurance costs and we’re going to explore a few of them here.
If you’re really serious about reducing your cost of health insurance then we need to start with your lifestyle. Do you smoke? Do you use chew or any other tobacco product? If so, then you are not helping your cause. Tobacco users pay 30% to 50% more for health insurance than non-smokers.
If you smoked when you took out a health insurance policy but you have since quit it is important that you let your insurance agent know this as it can trigger a reduction in your monthly premium payment.
What’s your weight like? Being overweight also increases the cost of health insurance. Losing weight is more difficult than quitting smoking for most Americans, but the good news is that if you can lose even a few pounds you may move down one rung on the insurance company’s weight chart and that could potentially save you hundreds of dollars every single year.
If you regularly participate in any type of extreme or dangerous sport or hobby then you will not get the best rates on health insurance in Alabama or any other state. The same goes for driving a fast sports car or driving most muscle cars.
Anything you do that puts your life or health at risk is going to increase your health insurance premium.
Buying group health insurance can save you a lot of money. If your work-place does not offer group health insurance then ask around at all of the clubs, organizations or groups that you belong to. A surprising number offer group health insurance to their members. Ask your friends if any group, club or organizations that they belong to offers group health insurance. If so, consider joining.
Ask at your place or worship. Many church groups offer discount health insurance to their members.
Use credit cards wisely. Believe it or not, your credit report affects how much you pay for your health insurance. The healthier your credit score the less you’ll pay for your health insurance.
When was the last time you checked your co-pay percentage? Many people start out paying 20% or 25% as a co-payment when they visit their doctor’s office. If you can afford to increase your co-pay to 50% you will save a tremendous amount every month on your health premium. This tactic works best for people who do not see their doctor on a regular basis.
Can you afford to increase your deductible? This is a serious question and you should give it some real thought. The higher your deductible the lower your monthly health insurance premium – but by the same token, the higher your deductible the more money you have to pay out of your own pocket or purse each year before you can ask your insurance company to help you out. Don’t offer to pay more than you can comfortably afford.
Finally it’s time to go online and find at least three of the websites designed to let you compare prices on health insurance policies from different insurance companies.
You’ll have to fill out the form on at least 3 websites if you want to be sure of seeing the prices from every insurance company in Alabama and you have to be careful to enter the exact same information on each form so that you are comparing the same policy each time, but once you are finished all you need to do is to find the company with the best rate and your job is done!
If You Are Driving On Monday The 27th Then You Could Be Glad You Took Out Discount Car Insurance
If You Are Driving On Monday The 27th Then You Could Be Glad You Took Out Discount Car Insurance
No you have not read that wrong and no mistake has been made when writing, if you went for a drive on Monday the 27th then you could have been glad you had taken out discount car insurance. This is because it seems that Monday the 27th has overtaken Friday the 13th when it comes to car accidents.
Studies from Budget Insurance have shown that more car accidents occur on Monday the 27th than on Friday the 13th, According to recent research, 5% more claims on insurance were made on the 27th of February and March in 2006 which both fell of course on a Monday. Perhaps even more surprising was the revelation that more accidents occurred in car parks on this particular day than any other and which resulted in insurance claims being made. Another fact involving this date is the fact that accidents have occurred through motorists swerving to avoid hitting an animal. Scientists of course say they think they might know the answer, as Monday is the first day of the week motorists are anxious and distracted when it comes to facing a new week. When it comes to the 27th this is the day that many have bills to pay such as mortgage, loan or credit card bills.
Whether any credit should be given to this is anyone’s guess, however statistics do not lie, regardless car insurance is a necessity and finding discount car insurance even more so if you want to have the protection that insurance gives while at the same time making savings.
The best way to insure you get the cheapest insurance and deal is to out your search into the hands of a specialist broker, the broker has the experience to shop around on your behalf and are able to search through the entire UK marketplace so that you get the cheapest car insurance possible.
You can choose the type of car insurance so that you can keep the premiums down to the minimum, if you choose to take out fully comprehensive car insurance then you will be covered for repair to your and the other parties car if in an accident, fire and heft and also insured for nay passengers that you carry. However this is the dearest type of insurance. Third party fire and theft is cheaper and will payout against damage for the other person’s car and fire and theft and is a lot cheaper to take out than fully comp.
When it comes to determining what type of car insurance you need for your circumstances the specialist can help here also, they offer a vast amount of information relating to the different types of car insurance and how you can make great savings by knocking down the premiums for the cover. While you can make great savings by taking out discount car insurance with the help of a broker there are many things you can do for yourself and the information found on the brokers site will help you make even more savings.
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.
Long Term Life Insurance – Why Get It?
Long Term Life Insurance – Why Get It?
Long Term Life Insurance is term life insurance that is taken out for an extended period of time. Most term life insurance tends to be for a period of between one and seven years, but some people prefer a longer term cover. Insurance companies have responded to this demand by offering a new range of products that fall somewhere between whole life insurance and traditional term insurance.
Normally when people want long term cover, they purchase whole life insurance, which covers them for the duration of their life, and also builds a cash value. However, if you do not wish to pay the extra premiums that are associated with the investment, then perhaps long term insurance rather than whole insurance may be the way for you to go.
These policies may be referred to as “Permanent Life” policies, and can be set up so that they are payable on demise, or at a certain age. Long term life insurance really blurs the line between whole life and term life insurance, with policies often borrowing from both structures to offer the customer even more flexibility. If you do not wish to have an accruing cash value, then you don’t have to. You can also stipulate whether you want the beneficiary to receive a lump sum payment, or monthly payments to boost income.
Unlike shorter term policies, long term life insurance does tend to be initially more expensive, though over the length of the term it may prove more cost effective than short term life insurance policies. Talking to your preferred insurance provider will give you a good idea of the options that are available out there. Then you can shop around and compare policies online, which will give you an even better idea of your options. The market is booming, so if you are looking for more flexibility in your life insurance, now is the time to look.