No Medical Insurance Options For Health Plans

Millions Of Americans Still Do Not Have Health Insurance

After all of these years, we still face a nation with almost 50 million people who lack health insurance. While we wait for some needed perform, we need to observce that some of the problem is a lack of information.

Visit here for options if you have no medical insurance.

The page outlines these options:

• Low income solutions like CHIPS (kids), Medicaid, and Federally funded health care centers.
• Your rights under COBRA laws if you are unemployed. (Some people may have these rights).
• Where to find private family and individual health insurance quotes online.

Of course, many Americans have tried to apply for private health insurance but been denied. You can also look into your state high risk health insurance plan.

Affordable Business Insurance

What is a Business Owners Policy?

Most business owners do not like to take time to deal with their business insurance. It is understandable, but on the other hand, the lack of proper commercial insurance can ruin a company. To save time, and buy one affordable coverage package, a product called a business owners policy (BOP) can be an idea solution.

A Business Owners Policy May Contain:

• Business Property Insurance
• Business Liability Insurance
• Business Income Loss Coverage

That was not intended to be a complete list, but a basic starting point if you are a small business owner who needs to shop for coverage. These policies are very popular with common small businesses like dentist's offices, auto mechanics, beauty salons, and small shops in a strip shopping center.

Learn more about the types of business insurance you may need.

Older People's Life Insurance

Why Do Older People Need Life Insurance

We usually think of younger people buying larger term life insurance policies to protect their home and young family. However, a lot of times older people need life insurance too.

What kind of life insurance should older people buy?

• Term Life Insurance For Older People - Since Americans are living longer and healthier lives, many people can find affordabe term policies in their 70's.
• Final Expense Insurance For Seniors - These are whole life insurance policies that are designed to be simple for senior citizens to apply for. They are meant to pay for funerals, settle debts, and cover other expenses that come up after a family member passes away. Sometimes these are called burial policies for seniors.

Why Do Seniors Need Life Insurance?

• Protect a business in case an owner, key employee, or partner passes away.
• Pass on tax free cash to family members
• Provide for family member's living expenses.
• Pay for Funerals, Debts, and other Final Expenses.
• Use as an asset that can be borrowed against, cashed in, etc.

It is easy to get a fast, safe, and free life insurance quote with our convenient online forms. You are minutes away from affordable life insurance!

Unemployment Protection Updates and Review

Well, it shouldn't be surprising that companies are finding a market for unemployment mortgage protection these days. Unemployment figures are rising, and some experts predict that they will top out at 8%, or more, before things get better.

One of the more popular layoff protection products out there has been reviewed, along with some competitors. See: Paycheck Guardian Reviews.

The products all seem to work in a similar manner. A consumer signs up, and then must satisfy a waiting period before they qualify for benefits. In addition, a qualified member must be a W-2 employee before termination, and not self employed or on a 1099 contract.

These are private supplemental unemployment plans, and they are meant to supplement state unemployment benefits, which are usually fairly low.

Related: Prepare For A Job Loss

Insuring Your Kid's Driving

It can be a big challenge to find affordable car insurance for student drivers in this market, even though insurers work hard to compete for their business. Insurance companies look at an applicant's driving history, and that's why insuring a teenage driver is so expensive - they don't have a driving history!

However some auto insurance discounts can offset the higher risk rates that student aged applicants get. An accredited driving class, and having one of the cheaper cars to insure can provide discounts of 10 - 30 percent. It is also a good idea to combine multiple policies with one insurer to see if that helps. For instance, home and auto insurance policy discounts helped me save money.

To make it easy to see who is willing to offer you the best deal, use a free online car insurance quote form: Best Auto Insurance Quotes!

The Best Individual Health Insurance

If you need to select health insurance, you need to understand the various types that are on the market. One of the most frequent questions we hear is which type of health insurane is best - PPO or HMO or HSA health insurance plans - for my family?

In fact, I do not have one correct answer for everybody. Your choice will depend upon your family's needs, your budget, and the way you like to plan for health care. For instance, PPO plans that have doctor copays and predictable costs, with some flexibility, work well for many families. On the other hand, disciplined savers will like the consumer choice and tax benefits of an HSA health plan with a health savings account.

The important thing is to educate yourself about how the plans work, and then to compare the costs of choices you have in your own local area. Available plans, and plan networks, do vary by location. So while a big HMO may be a great choice in in some areas, a more flexible PPO plan may work out better 50 miles away.

I suggest using a convenient only quote form where you can enter your zip code, and the general ages and health status of your family, to compare choices. Get safe, fast, and free quotes at the best insurance website to save time and money!

Choose an Individual Health Insurance Policy For Your Family

Insurance After Group Insurance?

How can you find the best individual health insurance plans for your family?

If you are leaving group health, than you should prepare for some surprises when you shop for your first family health plan on the individual health market. For one thing, many employees are not really aware of how much their company contributes to their premiums, and they are surprised by costs when they have to pay the whole bill themselves! But on the other hand, if those ex-employees have already seen COBRA health plan bills, they may already been made aware of the group health plan costs. If the family is fairly healthy, they may actually be pleasantly surprised by rates. Since insurers can pick and choose who they want to cover, individual rates can be be very affordable for preferred applicants!

Think about your needs, budget, and expectations when you shop for health insurance. Also find out which plans are available where you live. Your choice of health insurance will depend upon what you want, what you can afford, and what you need. But since different states, and even zip codes within states will have their own rates, provider networks, and plan details, your choices may be limited by your local area.

This is why I usually recommend using an online health insurance quote form. You can enter your information one time, and then start your process by finding out which insurers are completive in our area. You may find dozens of plans, or be limited to a couple of choices.

If you live in a big city, you may be very happy with a PPO or HMO network because you can find plenty of plan doctors in your neighborhood. If you live in a small town or rural area, you may have more trouble finding a variety of medical services in your hometown, and you may want more flexibility to make choices. Of course, you may already have a family doctor you want to continue seeing. In that case, you will want to make sure that he or she takes the plan you choose.

If your initial search for your ideal health insurance plan frustrates you because of high premiums, it may be time to adjust your expectations. Some benefits, like doctor copays, are very expensive. If you only visit the doctor a couple of times a year, perhaps getting a network discount without the copay will be affordable enough to make it worth it to accept a plan without that benefit. If you think you can stick to a disciplined savings plan or have access to good credit, thing about dropping the premiums by raising your yearly plan deductible.

But make sure your plan does cover services you do need. For instance, if somebody in your household could get pregnant, many individual plans do not cover normal maternity costs.

I cannot tell you which plan to choose without getting to know your family. So do not be afraid to speak with qualified health insurance agents in your area. A good agent will not try to sell you, but will educate you, so you can make your own best choice!

Unemployment Health Plans

With rising unemployment and a shaky financial climate, many Americans are concerned about their job stability. One of the first losses people suffer, in addition to income, is the loss of a group health plan. To find the best health plan for yourself, and your family, it is important to consider your own family situation. This is always true, but to find unemployment health insurance, you need to consider more things as well.

Will you fall under COBRA law protection, and be able to extend your group coverage while unemployed. If so, how much will it cost you? If you could buy an individual health insurance plan for less, would that be a good idea? These are the sorts of questions you should ask before you make a decision.

For some families, especially young and healthy ones, an individual health insurance quote may be a good step. Older and less healthy people may want to hand onto group coverage any almost any cost.

You should talk to your ocmpany human resources department and a qualified insurance agent to figure out the course that is right for you. There is no one-size-fits all solution for everybody.

Mortgage Unemployment Insurance

Over a million Americans were laid off in the last 12 months, and so many US consumers are nervous about their income. In fact, a loss of income accounts for more than 1/2 of home foreclosures, and that is more than any other reason, including an increase in interest rates. If people have an income, than most of the people find a way to pay their most important bill: the one they need to pay to keep their home. If people have no income, they just have no way to pay their mortgage.

Layoff Insurance - or supplemental unemployment insurance - provides cash payments for people to supplement the state benefits they may qualify for. Because it pays in cash, it protects the consumer, and not just a loan company like most mortgage payment or credit payment insurance.

If you are an insurance agent or webmaster, and need a great insurance affiliate program, look into helping people find this valuable protection.

Compare Obama Health Plan vs McCain Health Plan

Now that the election is getting close, I want to discuss one of the issues I care about a lot, and that is the plans for reforming US health care. After all, aren't we still the country with almost 50 million uninsured citizens (not to mention the 100 million with our a dental benefit!). This is a problem, and I'd like to address the Obama vs. McCain stand on Health Care. (Of course, I still miss you Hillary, and think things will just be so damn boring without you!).

Barack Obama’s plan for better health care in America is to provide quality, affordable and portable coverage for all. He plans to make available a new national health plan to all U.S. citizens, which will include the self-employed and small businesses. Some of the features his plan include:


Guaranteed Eligibility. This will allow sick people (with recent and pre-existing conditions) to obtain health care.
Comprehensive Benefits. This is similar to the package offered through Federal Employees Health Benefits Program. It will cover all necessary medical services, which include preventive, maternity and mental health care.
Affordability. There will be lower premiums, co-pays and deductibles.
Simpler paperwork and reined in health costs.
Public Plan with simple enrollment and ready access to coverage.
Portability and Choice. People enrolled in the new public plan and the National Health Insurance Exchange (another Obama plan) will be able to move from job to job without jeopardizing insurance coverage.
Quality and Efficiency. The health insurance companies participating in the new plan will be required to report data to ensure that standards for quality are met.

John McCain intends to increase the variety and affordability of health insurance to families in America by fostering innovation and competition.

This is how he plans to do so:

By reforming tax code to eliminate the bias toward employer-sponsored health coverage and providing everyone with a $2,500 tax credit; families will receive $5,000. This will increase incentives for health care coverage.
Allowing families to purchase health care insurance nationwide to maximize choices and heighten competition.
Providing multi-year coverage that moves with you from job to job and from home to home.
Requiring states with Medicaid to develop a financial risk adjustment bonus to high-cost and low income families that will supplement tax credits and funds for Medicaid.
Allowing people to purchase insurance through any organization or association of choice (i.e. churches, employers, individual purchases, and professional associations). The policy chosen will be available to small businesses and the self-employed; and will be portable across jobs. It will also automatically bridge the time between Medicare eligibility and retirement. Certification and rigorous standards would have to be met before plans are approved.

.... What do I think?

McCain's plan still isn't helping high risk patients who cannot qualify for individual health insurance,

Better Car Insurance Quotes

If you are shopping for a new car, you need to make the car insurance premium part of your budget plans! Consider adding a $100 a month car insurance premium to a $300 a month car loan payment, and you can see that insurance can be 25% or more of the total costs!

To get the best car insurance quotes, we suggest using an online quote form. This is because rates are local, and also because rates depend upon other factors that apply to you like your age, driving history (or lack of one), and even the type of car you plan to drive!

Comparing insurance online will allow you to compare the rates and plans of top rated insurance companies that do business in your area. And it will allow you to do it quickly. Many people report saving 50% or more by using an online quote form. You will also be able to find auto insurance discounts that you may be qualified to earn, but may not have known about!

Life Insurance Without a Physical

Life Insurance Without Physicals

Why would you want to get no medical exam term life insurance? After all, in general the more information the insurance company gets to collect, the more receiptive they are to handing out a cheaper rate class!

But for many people, the rate difference is negligable, and worth it. After all, people are concerned about privacy, and really don't want some unknown insurance underwriter examining their blood tests. Secondly, it is just a lot more convenient to apply for insurance, and get the policy issued quickly, without having to schedule a medical exam appointment and all that.


For instance, I have had many clients who were on the road a lot because they were truck drivers or sales people. It was hard enough to get them to schedule one appointment to take an application. I knew that they would never consent to stick around for a physical!

In order to keep the life insurance premiums as low as possible look for discount life insurance rates!

Discount Life Insurance

Insurance agents were always strongly cautioned about encouraging prospects to replace their old life insurance. After all, age in years is a strong factor when determining life insurance premiums, so they would be unlikely to get cheaper life insurance 5 years later, right?

Cheaper Life Insurance Now?

Well, that used to be right, but life insurance rates have dropped a lot over the last few years. In this competitive envirnoment, you may save some money by shopping around. Another thing to consider is the company. After all, we did find a $300 difference between the premiums between 10 major life insurance companies in one area for the same individual!

It will take a few seconds to list the most competitive life insurers in your area: Discount Insurance Quotes

Best Car Insurance Quotes

If you have notified that your car insurance premiums are going up, you do not have to sit back and accept it as another sign of the times. Car insurance is incredibly competitive, and you can find insurers who are willing to compete for your business.

Compare and find the best car insurance for your family. This will be a mix of good coverage and affordable rates.

Sometimes a small increase in the accident deductible can lower your premium by $100s every year. A 1 day defensive driving course is also another famous car insurance discount you may not be taking advantage of.

Health Insurance Declines

We are having a huge problem in the US with health insurance declines on the individual health insurance market.

Shopping For Health Insurance:

Best Health Insurance Quotes

The people who need coverage the most are having problems finding a health plan at all, or at least finding a health plan that is affordable and that covers their medical problem.

In every US state, you can find a high risk pool, and that may be your only option. To not expect the high risk pool to be an inexpensive coverage option just because it is run by the state though.

You may have more options, though, and one decline does not mean everybody will decline you: Declined For Health Insurance
e

Motorcycle Insurance Quotes Online

It can be tough to find competitive rates on motorcycle insurance, but qualified insurers can give you tips on finding cheap motorcycle insurance rates. It can be very easy to quote and buy motorcycle insurance for the top rated carriers in your area, plus get some simple tips to save money!

These tips are especially important for younger riders, or those riders who have a couple of insurance cliams, because their premiums are bound to be the highest!

Classic Car Insurance Quotes

Comparing Classic Car Insurance

If you think it is confusing when you compare car insurance for regular, late model cars, try comparing classic car insurance quotes! You have to be careful of many things about classic cars.

Compare Classic Car Insurance with our fast, safe, and free online quote form!

For instance, do you know the difference between agreed value and stated value classic car insurance. With agreed value, you and the insurance company agree on the value, and that value is bound into the policy. With stated value, you tell them how much you think it is worth, and they write it into the policy, but it does not bind the adjuster to agree with you when it comes time to settle a major claim!

For another thing, consider how you use your collectible car. Many vintage car policies do not cover daily use and have a set mileage limit which further restricts how you can use your car. Some policies do not even allow pleasure driving, but only allow you to take your beauty out for a spin when you are going to and from a car show!

US Dental Benefit Programs

Do You Have A Dental Plan?

Over 100 million Americans lack dental benefits, and this is a huge problem. The things, we all know that periodic dental care helps keep major problems from popping up, but people are reluctant to get the care because they fear the expense!

Dental Discounts vs. Dental Insurane

However, many dental discount networks are run by large insurance companies, and they are a very affordable alternative to dental insurance. If you are confused about the difference between dental discounts and dental insurance, or if you want to know what dental discount plans can do for you, see: Discount Dental Plans.

Best Free Health Insurance Quotes

Why Compare Health Insurance?

I have some experience with helping people select health insurance plans, and I know that expectations vary wildly. So do family budgets for a health plan. The Best Insurance For You will depend upon your health, budget, the way you plan finances, and your expectations from a health plan. That's why it is so important to compare medical plans so you can get an idea of the coverage you can expect for the money you want to budget every month.

It is so easy to find local medical plans these days because of the internet. You can simply find a page with Free Health Quotes, fill out information in about 3 minutes, and then sit back and get all the information you need to make a good decision.

Cheap Car Insurance For Teenagers

I doubt that any one group of drivers is tougher to find an affordable insurance premium for then teenage drivers. They are young, and have little driving history of their own. So insurance companies have to turn to their massive statistics and find that young drivers, as a class, tend to make more accident claims. Teenagers, as a group, are reckless and inexperienced.

However, you can find some help with young driver car insurance. Look for available discounts like ones for good students and those who take an approved drivers ed class. And of course, the same discounts that apply to any drivers, apply to young drivers. Look at combining policies for a multiple policy discount, safety and anti-theft drvices, and the cars that are cheaper to insure!

More Tips: Teenage Drivers Auto Insurance

Young Driver Car Insurance Stick Shock?

OK so your kids has been asking for a car, right? Well, maybe you decided it would really be a good idea. After all, you don't want to keep lending him your car, do you?

So you go car shopping, and the kids wants something flashy, and you want to buy your pride and joy something safe. So you find a car that you find affordable, and maybe you make an arrangement where your child contributes towards the cost.

Then you go home and call your insurance agent and your face turns white! It is hard to find affordable car insurance for teenagers.

You maybe be able to shave 30% or more off of the initial cost if your kid is a good student, you bought a safe car, and you combine multiple policies with the same company. I didn't say I could help you find cheap car insurance, but I think you can find cheaper car insurance quotes for a young driver.

Save Money On Home Insurance

We all need to cut our costs these days. At least, I know that I need to cut costs. Gas and Food prices seem to have doubled in the last year but my paycheck has not. One very obvious monthly bill to cut is my homeowners insurance bill.

I found a great article with ways to save money on home insurance. You may think that is a fixed monthly expense and no shopping can be done. But that is just not true at all. You should do price shopping.

You should also consider some improvements and repairs that home insurance companies will offer a discount for. Most car insurance companies that also offer home insurance will give you a discount for using them for both policies.

You may also consider raising your deductible. It may not be worth the extra expense to risk a $500 deductible vs. a $1500 deductible. Think about what you can afford, and how it will affect you if you actually have to use the insurance.

Compare Car Insurance Rates Online

You can hardly turn on the TV without a series of ads for car insurance companies. Every single company promises lower car insurance rates and great customer service, but who really offers you the very best deal?

Well you know how many factors go into calculating your own car insurance quotes! You need to look at your age, driving history (or lack of one), where you live, your credit report, and what sort of car you drive. In addition to looking at your car, safety features or anti-theft devices may give you discounts.

With so many factors, it will take forever to shop around for car insurance rates and plans. We suggest the best online car insurance quote form to ease the process. Enter your information one time (it takes a couple of minutes), and then sit back and collect all the car insurance rates you can find!

Best Individual Health Insurance Quotes

Many of us have health insurance on our minds these days. Some people do not have any health insurance at all, and of course they are worried about getting sick or injured. Some of us do have health insurance, but worry about affording the monthly premium.

Right now, the best we can do is try to find the best individual health insurance quotes by comparing the health plans that are available in our area. Look into tax advantaged HSA (Health Savings Accounts) with high deductible health insurance or PPO plans which give discounts for using a network of medical providers.

And of course, compare the plans in your area. You can use this Online Health Insurance Quote Form to help you search right from your home computer.

Compare Health Insurance Rates Online!

Car Insurance Claims Raising Rates

Will car insurance claims raise your rates? Well, lots of us think so. Car insurance companies share databases of claims that were made, so if you do make a claim, and even if you switch your car insurance company, you are probably risking a rate increase. If your out of pocket amount to repair the damage will not be more more then your car insurance deductible anyway, you may want to ask your agent if you should just pay for it.

Of course, if you have a major accident and risk a large amount of liability, you will want your car insurer to be in the game. They are certainly well equipped to defend their own money, and that will protect you too. After all, that is why you pay your premiums, right?

If you think a cliam has raised your rates beyond reason, it is time to start comparing car insurance quotes now.

Safe Cars For Young Drivers

We found a great post on the safest cars for young drivers.

Why should you care about putting your teenage driver in a young car. Well, the right kind of ride can safe your young driver's life for one thing. Even if a car accident will not be that drastic, you will still save money on car insurance for teenage drivers with a safe car. Car insurance companies do car what type of car a young driver operates!

In general, insurance companies advise you to look for cars with moderate horsepower which do not encourage a young or impulsive driver to speed or accelerate quickly. Also, opt for a more stable car, not an SUV or pickup. And last, seat belts save lives! Make sure your teenage driver knows to buckle up!

Car Insurance For Young Drivers

Car Rental Insurance -- Does Your Policy Cover You?

Do You Understand Rent Car Insurance?

As the vacation season approaches, you may want to rent a car. Beyond paying for the rental, many consuemrs are confused when the person at the counter offers them car rental insurance. Here are some sources of rental car insurance.

1. You own auto insurance policy.
2. Credit Cards which offer rental car insurance.
3. Over the Counter Rental Insurance

You need to understand exactly what is covered under the terms of any of these insurance policies. Over the counter rental insurance is sold to protect the rental company, and not the consumer. On the other hand, you own policy may have deductibles and limits.

Before you decide to accept or decline over the counter car rental insurance, or before you think that is a total solution, please learn more about car rental insurance.

Related: Auto Insurance When Renting a Car

Save Money On Life Insurance

Saving on Life Insurance: Comparing Quotes and More

Life insurance isn’t a fun topic to discuss, nor is it a particularly exciting purchase to make. Most of us would rather spend our hard-earned dollars on fun things like cars, home improvements, and vacations.

But as it happens, life insurance is a necessary purchase for most of us. So to help you maximize your life insurance coverage while minimizing your premium dollars, here are four tips to help you save money—so you can spend it on the fun things in life.

Tip #1: Shop Around

Life insurance policies aren’t one-size-fits-all. And while comparing life insurance quotes may seem like more work that it’s worth, web sites like this one make it easy to compare free life insurance quotes—and let local agents compete for your business. Also make sure you know what type of life insurance is best for you -- Term Life Insurance vs. Whole Life vs. Universal Life Insurance.

Tip #2: Ask about Discounts

Many insurance companies offer discounts to policyholders if they hold additional policies through the same company (like home or health insurance, for example), as well as for non-smokers. Be sure to ask your agent about discounts up front so you can score a comprehensive policy for a good price.

Tip #3: Make Healthy Choices

Some days it’s hard to get on the treadmill or eat that salad. But more and more insurers are using Body Mass Index (BMI)—a measure of fat based on height and weight—to determine premiums for life and health insurance. Smokers also pay more for life insurance.

So if you’re having trouble finding the motivation to shed a few pounds or kick smoking for good, extra cash in your wallet should provide some incentive!

Tip #4: Buy from Reputable Companies

Remember that not all life insurance carriers are created equal. In addition to shopping online, the web has also made it easier to do a little homework on prospective insurers. You can visit the Better Business Bureau and AM Best online to learn about your insurer’s financial solidity and customer satisfaction rating.

Your state department of insurance is another resource that often goes untapped by consumers. You should give them all call or visit them online to make sure your prospective agent is licensed to sell life insurance in your state—before you buy a policy.

Go Forth and Save!

Life insurance may not the most glamorous purchase you’ll ever make, but it’s an essential step in protecting the livelihood of your family. Keep these tips in mind as you shop for a life insurance policy to ensure that you find the best policy for a price that fits your budget. And, if you’re ready to begin shopping for quotes, you can start your search right here!

Speeding, Car Accidents, and Car Insurance

Speeding and Accidents: Inextricably Linked

Maybe you’re running late, have a mild case of road rage or just love driving fast. At one time or another, the need for speed possesses us all. But before you stomp down on the accelerator, consider how speed affects your chances of an accident.

Compare Auto Insurance Rates

Scientific data that shows the average driver’s reaction time is one-and-a-half seconds. Going a mere three miles an hour over the limit nearly doubles your risk for an accident. Add to the mix fiddling with your stereo or answering a phone call or eating a snack and your reaction time can be as slow as three seconds.

Your speed affects other factors, which may also hamper your capability to react quickly.

Braking distance. It varies depending on the road conditions, the street’s incline, your tire condition and of course…your speed. According to physics, your braking distance is proportional to the square of your speed. That means that the faster you drive, the greater the distance required to to slow down.

Control and handling. The faster you drive, the less likely you’re in full control of your automobile. Another physics fact comes to mind: Newton’s First Law of Motion, which states that an object in motion stays in motion.

Inertia is the resistance that makes it difficult for an object to change its state of rest or motion—the reason a person will keep moving after their car has stopped, if they aren’t restrained by a seatbelt. In order to counter inertia, you must apply force, like turning your steering wheel. The faster you’re moving, the greater the force between you tires and the road and the more likely you will lose control of your car. Faster speeds also increase the likelihood that a driver will over or under turn.

Not only does a speeding ticket greatly increase your insurance rates, it raises your chance of an accident. And even if you are a crackerjack driver with a clean record, you can’t account for other people’s driving skills.

So ease your foot off the pedal and see your accident potential plummet!

Cheapest Car Insurance For You!

Can Your Car Insurance Be Cheaper?

One way I found to cut my monthly bills by over $50 is to shop around for car insurance. That savings was considerable in my mind, since $50 a month is $600 a year! That goes a long way towards making up for high gas and grocery prices! Look on the news. People are getting excited about a $600 tax rebate, but I got a rebate like that for myself by comparing car insurane prices, and then switching to a company that gave me a break!

First, so many factors go into determining a car insurane premium. Your age and driving history are well known. However, the type of car you drive and discounts for safety or anti-theft devices are less well known car insurance discounts.. With these, and many other factors that go into your rate, I cannot tell you wich company will give you the best rate.

You need the Best Online Car Insurance Quotes to allow you to enter your basic info. one time, and then sit back and compare car insurance quotes today!

Cheaper Cars To Insure

Cheaper Cars to Insure
By Marilyn Katz

Trying to find cheap auto insurance can be tough. Being prepared can take much of the hassle out of the process. First order of business is to know what information you need to provide when soliciting quotes. The basic information you need to have available is as follows: your driver's license number, year, make, model of vehicle, VIN# and the name of your vehicle finance company (if you are still making payments on your car).

Also, know your credit score. Insurance companies will not ask for this but they will consider it when making you a quote. People with low scores may pay as much as three times the amount as people with high credit scores. So check out your score and see if there is anything you can do to improve it.

You can check the Yellow Pages for agencies go online or ask friends for recommendations. Most companies have websites and will have you answer a series of questions to get a quote. It is in your best interest to answer the questions honestly - personal or car-related. Try to get at least five to ten quotes. It only takes a few minutes to get one.

Also, if you have any of the following features on your car, include these with your other information. These features qualify you for a discount:

Anti-theft Devices

Airbags

Anti-Lock Brakes

Automatic Seat Belts

Window Etching

Multiple Cars

Multiple Policy

Here are a few other things you can specify when getting insurance quotes to bring the cost of your quote down:

Ask for a yearly policy instead of six-month policy.

Give the insurance company the least distance or time it takes to reach your job. The quicker you reach your workplace the lower your insurance cost.

Inquire if the Insurance Company offers discounts for being affiliated with their member directory.

Visit us to find the Cheapest Cars to Insure.

Compare Insurance Quotes

http://bestquoteus.com/bestquotes/car-insurance/cheapest-cars-to-insure/

Cheapest Cars To Insure

Compare Car Insurance Quotes Free Online

If you think you are paying too much for your car insurance, you may be right! Auto insurance is very competitive business these days, and some companies offer very aggresive discounts to get new business. The easiest way to find the best insurance quotes is to Compare Car Insurance Online Free.

For instance, you may be able to reduce your bill by 10% or more by taking an approved defensive driving class. Nowadays, you may be able to find these classes online or on a DVD you can find at your local video store. Home and car insurance discounts, good student discounts, and safety discounts are also widely available. These car insurance discounts are cumulative so you can stack them up to save quite a bit!

I want to tell you that I, personally, saved about $80 a month by checking around the last time I bought a car. That adds up to be $960 a year!

Decreasing Term Life Insurance for Mortgage and Life Coverage

Decreasing Term Life Insurance for mortgages is used because the face value of coverage goes down as the mortgage balance declines. Consider a $100,000 mortgage. A consumer might select a $100,000 face value term policy with a decreasing term.

The premiums will be cheaper on decreasing term life insurance than on level term because the insurance company is not risking the whole amount of the face value for the whole time. Many people choose this for mortgage life insurance or for insurance when they will have declining needs over time.

Student Driver Car Insurance and Your Young Driver

We found a good page with tips on finding affordable car insurance for young drivers. Younger drivers will almost always be very expensive to insure for two reasons.

First, car insurance companies use their statistics on drivers by age group to demonstrate that age group just tends to make more accident claims. The problem is especially acute with boys.

Second, your young driver has no driving history of their own to refute the car insurance company statistics.

However, you can do a couple of things to help reduce the costs. Good students will get a discount with many insurers, so try to encourage your kid to keep up a B average. Just like car insurance companies find that young drivers are higher risk, they also admit that kids with better grades tend to make less claims then their less studious peers. If that is because they are home studying, or just more careful, is open to debate, but look for good student car insurance discounts.

Also ask about accredited driving courses. The completion of a course like this often earns a discount too. So if you add in both discounts, you can pare some of the premiums down. And of course, the type of car is taken into account, so consider a cheaper car to insure too.

Buy Insurance after you Compare Insurance. Car Insurance, Homeowners Insurance, Term Life: Cheaper Women's Car Insurance

Buy Insurance after you Compare Insurance. Car Insurance, Homeowners Insurance, Term Life: Cheaper Women's Car Insurance

Small Business Health Insurance

Small Business Health Insurance Options
By Marilyn Katz

Health insurance ranks very high on most people's list when they are seeking a job. By offering health insurance you can attract the highest quality employees to your business. Don't think you have to offer the traditional health insurance option though. Even the large companies are finding it too expensive to offer that sort of plan these days. Instead, most small businesses offer one (or more) of three different plans: HMO, PPO, and POS.

Health maintenance organizations (HMO): An HMO consists of a network of doctors and hospitals. While the least expensive, it also has the least flexibility for your employees. The basic premise is participants choose a primary care physician (PCP) and then get referrals to other specialists.

Preferred provider organizations (PPO): This is the most frequently chosen option by small businesses owners. A PPO consists of doctors and hospitals willing to offer care to members at a lower cost. It's a little more costly to you but provides far more flexibility than the HMO. Your employees select health care professionals associated with the PPO and then pay a low deductible and very low (if any) co-insurance (the amount they have to pay after the deductible is satisfied).

Point of service (POS): A POS plan offers the benefits found both in HMOs and PPOs. Your employees still need to select a Primary Care Physician and get referrals to other physicians, but you can go outside the network without a referral and get most of your expenses reimbursed. POS plans are the most expensive of the three; both for you and your employees i.e. your employees have higher deductibles and co-insurance payments.

Small-group insurance generally applies to companies with as many as 100 employees, but the majority of companies seeking this type of insurance have two to 50 employees. In this market, health insurance prices have traditionally been based on two factors:

• Estimated cost of medical services in a given geographic area
  
  
  




• Estimated utilization of services

Cost projections are about the same across the country. But projected utilization of services is where you are going to have the most variation in cost. Insurance companies base their estimation of utilization of services probability on a variety of factors' ranging from the medical history of your employees and their dependents to age and gender. If you have someone on your staff that is considered high risk the whole group (you and your employees) is going to have to pay a higher premium. In larger corporations these people's high maintenance costs are averaged out by the large number of low risk employees. For insurance companies there is safety in numbers.

Very small companies can suffer from high premiums if one employee has a serious illness because they just do not have enough people to spread the risk around. However, a group medical plan is a benefit that attracks and retains quality employees. It is a tough problem these days.

We would like to help you find the best medical plan for your family or business. Visit us to Compare Health Insurance Plans that fit your needs.

We can also help with small business group health insurance choices.

http://minibiz.us/health-insurance/small-business-health-insurance-is-group-health-the-way-to-go/

Article Source: http://EzineArticles.com/?expert=Marilyn_Katz
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Cheaper Women's Car Insurance

Why is women's car insurance Cheapers?

I found an interesting post on why women's car insurance is cheaper. Major car insurance companies keep statistics. The big guys like Progressive, Essurance, and Farmers use these statistics when they calculate rates. I think we can all see examples of women being more cautious drivers. But also, to be fair, women just do not tend to drive as much. When a couple is in a car, especially for a long car trip, the man tends to drive more.

So all jokes about women drivers aside, women do tend to get cheaper car insurance rates.

Senior Life Insurance

Life Insurance For Seniors - Guaranteed Vs Simplified Life Insurance For Final Expense And Estates
By Marilyn Katz

If you are over 50, or if you care for an elderly person, you have probably noticed ads for senior life insurance policies. Sometimes these are called guaranteed issue life or simplified issue. Sometimes the products are called final expense or burial policies, or sometimes they are marketed as a way to pass on a tax free estate to survivors. No matter what term is used, these are probably talking about a small face value whole life insurance policy. They are designed to be easy for older people, or people that are not in perfect health,to be able to apply for. By small face value, I mean that they usually provide coverage for $2,500 to $25,000.

A guaranteed issue life insurance policy sounds attractive, and for some people it can be the right choice. Basically, the company uses a waiting period instead of health questions in order to issue the policy. The insured person usually has to survive for a term of two or three years, depending upon the policy. If the person survives that period, then their heirs are entitled to the entire face value of the policy. If not, the beneficiaries will get back the premiums paid plus a set interest rate. If an older person, or a person in imperfect health, cannot be accepted by any other insurance policy, and if they feel they need life insurance, then this is certainly a no-lose contract.

However, guaranteed policies will be the most expensive per every thousand dollars of benefit. The small face value is what makes them affordable. On the other hand, simplified issue life insurance will pay an immediate death benefit. As soon as the policy is issued, the insured person is covered for the whole amount. Premiums will usually be cheaper too.

You will have to answer health questions, but they are not as intrusive as fully underwritten policies. In general, people within the age limits, who have not been diagnosed with a terminal disease and who do not live in a nursing home can qualify.It would be better to have a contract with an immediate death benefit, and with a cheaper premium, if you can qualify for it!

Now consider the reason you might purchase senior life insurance, either for yourself or for aging family members. If you are not clear how funeral expenses would get paid if a person passes away, then a few thousand dollars of coverage may be an affordable way to plan for final expenses. Money can also be used to travel, transporting a body, and to settle debts. Leftover money from the policy can be kept as an inheritance by the beneficiaries. Most of the time, the payout will not be taxed either.

Sometimes people buy these type of policies to make things fair between multiple siblings. Consider an elderly parent with two children. Let us say, for example, that one of the children will inherit a valuable family heirloom. The other child will be names as a beneficiary on a policy so they may have cash instead. In this way, a parent can try to be fair to both children.

Compare no medical exam life insurance for seniors with our fast, safe, and free online quote form! Also read more about guaranteed issue and simplified issue life insurance choices.

http://www.nomedicalexam.net/no-medical-exam-life.html

Article Source: http://EzineArticles.com/?expert=Marilyn_Katz
http://EzineArticles.com/?Life-Insurance-For-Seniors---Guaranteed-Vs-Simplified-Life-Insurance-For-Final-Expense-And-Estates&id=980756

Green Cars are Safe To Insure

The safest cars to drive may also be green cars! And of course, car safety is big factor in finding cheaper car insurance. So, if green cars are safer, and the cheapest cars to insure, why not run out and buy a new ride?

Well, ok. You may not be in a position to run out and buy a car right now. I can understand that. A new car loan or spending $40,000 on a hybrid may not be in your short term plans. You do have other incentives than just fuel savings, though. But if energy tax credits and all cannot push you to the dealer's lot, you may still have an option!

Save money on gas and help the envronment with devices that can be installed on the older model that is parked outside right now. This device gives you cheaper gasoline prices for going green!

Women Need Life Insurance

Life Insurance For Women!

I found a great post on one of my favorite blogs - Woman Work - which talked about a woman's need for life insurance. Women's rates are usually cheaper than men's rates for comparable applicants and policies. That is because statistics tell life insurane companies that women live longer.

Women are Worth A Lot, But Cheap To Insure!

Even if a woman does not work outside the home, her contribution to her family is invaluable. How else can a family find a therapist, driver, housekeeper, cook, and somebody to love them? How much would that cost? Be sure and look into affordable life insurance for women!

Over 50s Life Insurance for Seniors Estate Planning and Final Expense

You see many ads about life insurance for senior citizens and some of them promise guaranteed issue life insurance.

Guaranteed life insurance may be a good solution for people with health problems that will not allow them to qualify for other health insurance. However, senior life insurance policies have been designed to accept most people, so make sure you have exhausted other options first. For one things, the premiums will be more expensive for every $1,000 of coverage, and the death benefit will not be immediate. Other senior life insurance policies called simplified issue will have an immediate death benefit and be less expensive!

Health Insurance With High Blood Pressure

Health Insurance Rate Ups For High Blood Pressue

One of the things you are always rated up on i.e. charged more than the standard rate when it comes to health insurance and life insurance is high blood pressure. Insurers combine this number with your age, gender, weight and lifestyle to determine your monthly premium. So if you want to lower your cost for life and health insurance – lower your blood pressure.

Note: In general, health insurance companies may want you to demonstrate normal blood pressure ratings for six months before they will consider you for a standard or "controlled" rate and acceptance.

Sometimes you have no choice but to take medication, but there are other lifestyle changes which may help. Even if you end up having to take medication you may still qualify for the better rates. Term life insurance companies are more interested in your actual levels when you apply for coverage than how you manage them. So you can see it is in your best interest to get your blood pressure down either through medication or lifestyle changes. In general, a blood pressure level of 140 over 90 is considered to be high meaning you have what is called hypertension. In the world of underwriting (how insurers figure out rates) having high blood pressure alone does not affect your rates. When your high blood pressure is combined with such factors as obesity, smoking and high cholesterol your rates will go up.

So first let’s get a basic understanding of blood pressure. It has two parts:

Systolic pressure is the top number which represents the pressure the heart generates to pump blood to the rest of the body.

Diastolic pressure is the bottom number which refers to the pressure in the blood vessels between heartbeats.

Normal blood pressure is generally defined as systolic pressure of less than 120 and diastolic blood pressure of less than 80. If you have systolic blood pressure between 140-159 or diastolic blood pressure between 90-99 you are considered Stage 1 hypertensive. If you have systolic blood pressure greater than 160 or diastolic pressure greater than 100 you are considered Stage 2 hypertensive.

Here are the common recommendations for preventing and lowering high blood pressure:

- Get regular aerobic exercise.

- Restrict you intake of salt and alcohol

- Eat a diet rich in fruits and vegetable and low in saturated fats.

-Stop smoking.

-Maintain a good body weight.

All these recommendations (with the exception of quiting smoking) will also help you lose weight. If you shed pounds you make also to be able to gain dollars from the savings on your insurance rates.

Get help with High Risk Health Insurance and Health Insurance for Pre Existing Conditions.

Simplified Issue Life Insurance vs Guaranteed Issue Life

We see a lot of ads now for guaranteed life insurance for seniors and simplified issue whole life insurance policies. These are usually marketed to senior citizens or people without perfect health, and sometimes they are sold as burial insurance policies.

The difference between these policies is this. Simplified issue life insurance requires some health questions to be answered to qualify, but most people who are not terminally ill or in a nursing home will get a policy. The death benefit is immediate as soon as the policy is issued. On the other hand, guaranteed issue life insurance does not require health questions, but uses a waiting period to qualify people.

Before you buy life insurance, be sure and compare guaranteed or simplified life insurance so you get the right plan for you or your loved one.

Best Home Business Health Insurance Quotes

I found a new article, discussing type of health insurance for home business and small business. The article discusses some issues that most small and home business owners will find very interesting.

We get some tips to keep health insurance affordable. Some types of health insurance plans will cost less and have less rate premiums than others. Of course, we still want good coverage while paying as little as possible, and I think the article on the best health insurance plans for home and small business addresses that.

It also helps you compare group health plans vs individual health plans, which is a decision that many very small business owners need to make.

Cheapest Cars To Insurance

Everybody goes car shopping and thinks about the monthly car payments. However, many car shoppers fail to consider the increase in their car insurance from buying a new car, and sometimes this can be considerable!

Sports cars, cars that are expensive to repair, cars that tend to do a lot of damage in accidents, and cars that get stolen a lot can be on a car insurance company's list of cars they will nail for extra premiums.

Before you visit the car lot, do a little research. First get a general idea of which cars are very expensive and cheap to insure here! This gives you an idea of which cars, in general, tend to make car insurance companies nail drivers with higher rates, and which cars the car insurance companies predict will not cause high claims later.

Of course, your driving record, age, and where you live also impact your car insurance rate. Even your credit report matters nowadays. Run a safe, fast, and free online car insurance quote for the cheapest car insurance rates for you!

Find the Best Insurance Quotes in the US!

Dropship Money Book

One of our favorite women's blogs, http://www.womanwork.net - has posted an article on ebay and dropshipping. This is a tactic that many women use to set up their first work-at-home business online, and some WomenWork.net decided to post about it.

The Dropship Money Book taks about mistakes to avoid and how to get a dropshipping business set up the right way. The most important point is one that we have mentioned before. If you want to prosper at dropshipping and EBay, you need to treat it like a real business and not a hobby. This is true, even if you only plan to work part time.

You will get treated better by suppliers, avoid problems, and are just more likely to do well if you set yourself up as a real business and manage your costs and revenues as if you are running a business. Why? Well, guess what? EBay and Dropshipping is a real business!

Women's Life Insurance

Womens Life Insurance

If you are a woman, or a man with a spouse, then you have probably considered purcashing life insurance for your husband. You understand that you need to replace his income and pay off debts if he dies. However, many families overlook purchasing life insurance for women because in those families the wife is not the primary breadwinner.

However, even if a woman is not employed outside the home, her contribution is obviously valuable. A wife and mother probably serves as the maid, cook, and transportation for the rest of the family. Of course, many women also serve as the home tutor and counseler too! Would your family want to do without all of these services if something were to happen to Mom?

Also, womens life insurance is usually very affordable, cheaper than men for the same age and rate class. Also, the face amount needed may not even be that large in the terms of life insurane premiums, and so it would not be a huge expense.

However, even a very small life insurance policy of, say $50,000, can make a huge difference in how well a family can adjust to a tragedy.

Key Man Universal Life Insurance

Are you looking for Key Man Insurance For your Business? Of course, now we call it Key Person Insurance, but the name key man or keyman insurance still gets searched on most of the time.

Many business owners look at Universal Life Insurance For Key Man coverage. This is because key man insurance is permanent life insurance, so it can cover a long career! It can also build a decent cash value and provide an asset for a company to fund retirement. Since it is life insurance, it probably comes with some tax advantages, and since it can build a cash value, it is an asset!

Learn more about Key Person Life Insurance Universal Life Rates, and also get a fast, safe, and free No Medical Life Insurance Quotes.

Universal LIfe Insurance Vs Whole Life Insurance

What is Universal Life Insurance?

We found a great article: What is Universal Life Insurance? Basically, universal life insurance is a type of permament coverage.

If coverage that combines a death benefit with savings or investing, then your next step will be to compare rates. Different companies do charge different rates, and your price will also depend upon your age, health, and zip code! A good agent can make your job easier because they will be current with the market today! However you can also find an Online Universal Life Insurance Rate Quote form for free. It is fast, safe, and BBB approved!

Term vs Whole vs Universal Life Insurance

Business Automobile Insurance

Do you need business auto insurance?

If you use your car for business, you may be taking a big risk if you rely upon your own personal call insurance policy. That is the message of MiniBiz on business automobile insurance for small and home business.

If you run a business, and you only use your car once in awhile to run an errand, and you drive, then you are probably ok. Go talk to your car insurance agent! However, if you use your car for business most of the time, or if other people drive your car, then you probably need to find out about commercial car insurance. More important, do you let your employees drive your car for business? Then you really open up a liability situation!

If you are concerned about the cost, compare small business auto insurance quotes here, or read more about home and small business auto insurance.

One other resource, of course, is the Business Insurance Store Commercial Car Insurance article.

Advantages of Group Health Insurance For Small Business and Home Business

Almost all business owners in the US think about the costs of health insurance, and small business health insurance is a particular hot spot! Many well meaning small business owners have to balance the rising costs of a group health plan against the benefit that it gives to their employees and business.

A great article on Mini Biz outlines the risks and rewards of group health, some alternative solutions, and how you can find out what the best plan would be for your own company.

Advantages include the ability of group health to attract and retain quality, loyal employees. Disadvantages include administration and cost. Most employees will want a good at-work health insurance plan unless they have coverage from a spouse. However, group health insurance is not the only way to help employees find coverage.

Another good website for information about business health insurance is the BusinessInsuranceStore.com.

Burial Insurance For Seniors

Burial Insurance For Seniors

If you care for an older person, or if you are a senior citizen, then you have probably noticed ads for products called burial insurance or final expense insurance. These are actually small face value whole life insurance policies that are designed to be issued without a lot of health underwriting or credit checks.

Burial Life Insurance policies come in two types: Simplified Issue and Guaranteed Issue. Simplified issue policies provide an immediate death benefit upon issue, and do as some health questions. However they do not have strict health requirements, so most seniors can get one. If you can qualify for simplified issue that is a more affordable and better choice because it provides an immediate death benefit!

Guaranteed Issue Final Expense Policies do not ask any health questions. They use a waiting period instead of health underwriting. If the insured person survives the waiting period, usually 2 or 3 years, than the whole benefit is paid out to beneficiaries upon death. If the insured person passes away before that period is up, then the policy usually stipulates that premiums plus some set interest rate are paid to the beneficiary. If a person has serious health problems or is in a nursing home, this is the way to go. However, these guaranteed issue policies do tend to cost more, per $1,000 of coverage, than a simplified issue policy would cost.

Catastrophic Health Insurance for Affordable Private Medical Coverage

Are you looking for affordable health insurance? Well, if you are having trouble finding low rates, especially if you have a pre existing condition, then you are not alone! However, in order to afford health insurance, you may have to accept coverage in a different way then you were used to getting it at work!

Look into a combination of Catastrophic Health Insurance and Supplemental Health Plans or Accident Plans to find plans that are easier to qualify for, cost less, and do not tend to incur as many rate increases!

If a $5,000 to $10,000 deductible turns you off, then maybe you haven't really had a good advisor explain your options. Think about saving $300 - $500 every month on your premiums, finding a supplement to cover the deductible for accidents or injuries, and even about setting up a tax deductible health savings account. In the long run, you may be much better off!

Benefits of Whole Life Insurance

All of the buzz from financial advisors is about life insurance these days. For most people, term life insurance is much cheaper than whole life insurance for the same applicant and face amount. However, is cheaper always better? Apparently your financial advisor believes that is what you think! But I think you should take some time to compare the advantages and benefits of whole life insurance before you commit to a long term contract.

Whole life insurance does cover you for, well, your whole life! Term life insurance expires after a period of years, possibly just when it is difficult and expensive to obtain coverage. But maybe not at a time when you have outgrown your need for life insurance.

Compare Term Life Insurance Vs Whole Life vs universal life insurance!