Cheap Insurance - Ten Ways
Cheap insurance? Auto insurance, life insurance, health insurance, liability insurance - whatever type of insurance you need, you can buy it for less. Try the following:
1. Raise you deductible. Why have a $100 deductible if a $1000 deductible won't break you? It may hurt to pay the first thousand someday, but what if meanwhile you saved several thousand? High deductibles mean lower rates. Of course, get quotes with various deductibles, to be sure you're saving enough for the higher risk.
2. Lower your coverage. Insurance agents secretly admit that people usually get sued according to policy limits. You'll be sued for more if your limit is a million than if it's a hundred thousand. A judgement beyond the policy limits is a scary thought, but this can happen no matter what your limits are. If you don't have many assets or much money in the bank, consider lowering your coverage to save money. Get quotes first, of course, to see how much you'll save.
3. Lower the insurance company's risk. Using seatbelts, not smoking, and having alarm systems can mean cheap insurance. Ask your agent about any discounts that are available.
4. Use an independent agent. Why limit yourself to one insurance company? Independents can show you the cheapest policy regardless of which company it's from. Just check a rating service to see if the issuing company is financially solid, especially when buying life insurance.
5. Drop your insurance. The insurance companies will hate me for this one, but consider eliminating some coverages. You need liability coverage on your car, but collision coverage on a $2000 car doesn't make sense. Invest the money elsewhere, and take the $2000 loss once or twice in your life, or maybe never.
6. Buy stocks instead of insurance. If you and your wife both have good incomes, it probably makes more sense to invest your money than to buy life insurance. If loved ones have enough income or assets, life insurance premiums are usually wasted money.
7. Get rebates. Some states that allows "rebating". California law, for example, allows agents to rebate part of their commission to you. If you live in a non-rebating stae, find a California company online!
8. Get the legal minimums. If you have no assets to protect, ask for state-mandated minimums on auto liability policies. Most companies give you their higher, more expensive "company minimums" if you don't push the point.
9. Review your policies. It is common for parents to still pay for health insurance coverage on adult children long after they are working and have their own coverage. See what other unecessary coverages you may be paying for.
10. Get several quotes. For cheap insurance, compare quotes from several companies, and ask about different policy options. One more thing: take notes.
Steve Gillman has been studying every aspect of money for thirty years. You can find more interesting and useful information on his website; http://www.EverythingAboutMoney.info
 Google News Updated : Tue, 07 Oct 2008 14:49:35 GMT US, Britain, and UN weigh options amid rising violence in ... - Christian Science Monitor
Christian Science Monitor - By David Montero Against the backdrop of a string of suicide bombings in Pakistan, British, American, and United Nations officials are grappling with the idea of a negotiated settlement with the Taliban. UPDATE 1-Afghan govt denies Saudi meeting was peace talks Afghan official: no talks held with Taliban Publ.Date : Tue, 07 Oct 2008 14:09:17 GMT Pentagon denies US jet forced to land in Iran - guardian.co.uk
guardian.co.uk - The Pentagon today denied a report that a US plane had been forced to land in Iranian territory. Iran's Fars news agency claimed that five US officials were questioned and released by the Iranian authorities after the plane they were flying in ... Iran says it forced down Western plane Iran says US plane violated Iran's airspace Publ.Date : Tue, 07 Oct 2008 14:12:58 GMT Fed creates commercial paper-buying facility - Reuters
Reuters - By Mark Felsenthal and Glenn Somerville WASHINGTON (Reuters) - The Federal Reserve on Tuesday announced it would create a special-purpose facility, with the Treasury Department's blessing, to begin buying commercial paper in yet another emergency move ... Euro, Dollar Gain on Fed Move Fed to Purchase US Commercial Paper to Ease Crunch (Update1) Publ.Date : Tue, 07 Oct 2008 14:17:04 GMT Nobel Prize awarded for AIDS, cervical cancer research - Los Angeles Times
Los Angeles Times - Luc Montagnier dedicated his award to AIDS sufferers and predicted results on a "therapeutic vaccine" for the pandemic within four years. 2 AIDS researchers receive Nobel Prize Three Europeans win the 2008 Nobel for medicine Publ.Date : Tue, 07 Oct 2008 07:01:27 GMT Where Angels go...heartbreak follows - Baltimore Sun
Baltimore Sun - If you didn't stay up to watch, the Angels came back from a 2-0 deficit last night and had the go-ahead run on third base with one out in the top of the ninth, only to have the situation blow up in their faces when manager Mike Scioscia (right) called ... Oh, what a ninth! Sox-Halos a classic Angels seething after being squeezed out Publ.Date : Tue, 07 Oct 2008 11:42:08 GMT McCain aims to slow Obama momentum in debate - Reuters
Reuters - By John Whitesides, Political Correspondent NASHVILLE (Reuters) - Republican John McCain hopes to halt Democrat Barack Obama's momentum and gain new life in the White House race on Tuesday when the presidential rivals meet in their second debate. A little word makes big waves on campaign trail Tonight's debate is in McCain's favorite style Publ.Date : Tue, 07 Oct 2008 13:57:52 GMT The Ike Whitaker Saga - Washington Post
Washington Post - In case anyone missed Zach Berman's story in today's paper, Ike Whitaker appears to be done at Virginia Tech. I raise the story in this forum because Whitaker chose Virginia Tech over Maryland amid the usual fanfare that accompanies a top-level recruit ... Va. Tech WR Whitaker faces misdemeanor charges More alcohol woes for Tech wide receiver Whitaker Publ.Date : Tue, 07 Oct 2008 14:08:42 GMT More Web Site Traffic |
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