Car Insurance Money Saving Tips

Car Insurance: Money-Saving Tips

Save Money On Car Insurance

Many people lament the purchase of auto insurance. So we’re here to make it less painful. Check out these six money-saving tips and take the sting out of buying insurance.

#1 Raise your deductible. It’s a gamble, sure. You’ll be responsible for a larger amount of the bill should you get into an accident. However, this is a guaranteed way to lower your annual insurance costs.

#2 Shop around. Staying with the same insurance company year after year may not be in your best interest. You can cancel or change your policy at any time—you don’t need to wait for the policy to expire. So shop your insurance every six months and compare prices to ensure you are getting the best deal.

#3 Remove unneeded extras. Although knowing you have towing and rental car coverage may help you sleep at night, those add-ons are rarely used and not necessarily worth the cost. You pay between $10 and $30 a year over the life of your policy to cover towing. And in the unlikely situation that you need a tow, you’ll pay about $100. Likewise, a small economy car costs $20-$25 a day to rent and car rental tacks on another $20-$40 to your insurance bill each year. So you can sleep well knowing that you saved yourself some money.

#4 Protect your credit. More insurers have begun using credit-based insurance scores to determine what you pay for your policy. So paying the water bill on time will actually keep your insurance costs down.

#5 Research discounts. Cars with safety and anti-theft devices cost less to insure. You can also knock off a few bucks if you insure your car and home with the same company. People who abstain from alcohol, get good grades in school or take a driver education course are also rewarded with lower premiums.

#6 Get informed. The easiest way to save on any insurance is to research before you buy. And get recommendations from family and friends.

We make it simple to Compare Auto Insurance with An Online Quote Form!

And now for the shameless plug: shop here: find quotes and be matched with auto insurance agents from your area!

Saved Money On My Car Insurance. Really!

I really did save money on my car insurance by comparing auto insurance rates! After I bought a recent model car, my old car insurance company took the opportunity to increase my rates by about 40%. I had one accident in the last 6 months, but it was minor, and also the only accident in the last 10 years! I thought that was pretty unfair. Well anyway, as soon as I told them I had a newer car, they nailed me for a $60 a month increase!

I let it go at first. But then I called in to make a car payment and the finance company asked me if I'd like to get a car insurance quote from their partner. Well I had some time to I said I would, and boy I am glad I did! The rate they quoted -- for the same car insurance coverage - was half of my present quote, and even less than the old company charged me for my old car!

Instead of calling around, why not find a quick online form to compare car insurance?

Compare Car Insurance Rates the fast, safe, and free way!

How I Saved 50% On My Car Insurance

You can hardly turn on the TV without seeing an ad to save money on car insurance, but I thought it was just hype. However, after I purchased a late model car my own insurance premiums doubled. I let it go, thinking that every car insurance company would charge me the same amount.

Then, when I called in to make my car payment, the customer service representative asked me if I'd like a car insurance quote. Since I had time, and I was a little curious, I said ok. So she turned me over to a car insurance agent from a different company than the one I had used for years.

I was shocked. This agent quoted me a rate that was HALF of what my old company charge me! If you are concerned that your old car insurance company is getting too greedy, maybe it's time for you to COMPARE INSURANCE QUOTES ONLINE with a fast, safe and FREE INTERNET INSURANCE QUOTE FORM!

Life Insurance For Senior Citizens and Over Fifty

Over 50s Life Insurance Made Affordable and Simple to Buy!
By Marilyn Katz

Has Your Life Insurance Expired?

Senior citizens, or even people in mid life, may find themselves without life insurance. When they were younger, they had life insurance. The policy may have been through work, or it may have been a term life insurance policy. Now they are retired, employed with another company, or their term policy expired, and they have no coverage on their life. The theory behind term life insurance is that it will cover a person during the years when they have children at home or a mortgage to pay off. After that point, in theory, obligations will be less and savings should allow the person to have enough money to cover their lives if they pass away.

However, we all know that life does not always work out that way. Sometimes the kids do not become self sufficient as young as they should have, or jobs are lost and mortgages are refinanced or extended with home equity loans. For a number of reasons, a middle aged or senior adult may find themselves with outstanding obligations, little savings, and outstanding obligations they do not want to leave behind if they should pass away.

Some obligations may be debts or mortgages. Some seniors understand that funerals can cost thousands of dollars, and just do not want to leave that bill to their children. Even with a pre-paid funeral plan, other bills always come up after a loved one passes away. Some mourners may have to travel or take time to make arrangements. Sometimes the body has to be transported to the funeral home, and that will be an extra expense not covered under the funeral plan.

On the other hand, an older person may have savings to cover funeral expenses and have their mortgage paid off. They may not be worried about how their spouse will live, or if their children will have to pay for a funeral. But they may just want to leave an estate to their spouse, children, or grandchildren. They know that life insurance benefits are usually tax free. They would like to leave a college fund for their grandchildren, money to fix up the house to their spouse, or they may even have more substantial obligations. For instance, many life insurance policies are used to buy out some beneficiaries from ownership in a business. If they have a business partner who wishes to keep a business, or if one child will inherit, it is a way to pay the other beneficiaries for their share.

Senior Life Insurance and Final Expense Insurance

Many life insurance companies are responding to the need for life insurance company for older people. They created senior life insurance, final expense policies, and even policies that can be issued regardless of current health! Some of these policies have an immediate death benefit, though the guaranteed issue life insurance policies may have a waiting period that is used instead of health questions. However, even if an insured person dies before the waiting period, these type of policies will pay back the premiums with some interest. So, it is possible for almost anybody to find life insurance today!

Learn more about your different options for Over 50s Life Insurance, and then run a fast, safe, and Free Senior Life Insurance Quote.

http://www.247quoteus.com/over50s-life-insurance.html

Article Source: http://EzineArticles.com/?expert=Marilyn_Katz
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Some Medicaid Providers owe 1 Billion in Back Taxes

Yahoo News reported that some medical providers owe over 1 Billion Dollars in Back Taxes. They owe this money while some have a very luxurious lifestyle.

While the candidates talk about health care reform, they usually only bring up poor and middle class people as the problem, along with the government. Whoah here. Obvously the medical profession could stand some scrutiny too. Aren't these the people we have been taught to hold to a higher standard?

For more on insurance and health reform look at Find Me Insurance!

Young Driver Car Insurance Discounts

You know that you need to buy car insurance for your young driver, but you would not be the first parents to be shocked by rates that triple when you teenager gets behind the wheel! You may wonder how you can afford the rates and how other people do it. Let's look at a few tips.

One car insurance agent suggested buying an older car for my teenage driver of a son. Then just buy liability insurance for the older car. The money saved from the premium for full coverage on him would pay for the liability insurance and the older car in monthly payments.

Other advice to get cheaper car insurance prices would be to make sure he maintains good grades and to take an accredited driver safety course. Of course, this advice can not only get him a car accident insurance discount, but also be good advice for lots of reasons!

No Medical Life Insurance with No Physical

No Medical Life Insurance

We all need some life insurance coverage, and nothing is worse than seeing a family suffer a loss when they just put off buying life insurance. The internet has made life insurance companies much more competitive, and not only is life insurance cheaper these days, it is also more convenient! Many life insurance companies offer hundreds of thousands of dollars worth of life insurance without a medical exam!

In fact, with many different types of life insurance on the market, people from age 0 to age 85 can get valuable and affordable life insurance with no medical exam. Look here for No Phyiscal and No Medical Life Insurance.

If you want a higher face value, and are still in your years of working and raising your family, you are probablly looking for a very convenient No Medical Exam Term Life Insurance Policy.

Fill out one fast online quote form, and then sit back, and let the life insurance companies compete for your business!