Tag Archives: Discount
How To Save Money And Get Discount Health Insurance In Nevada
How To Save Money And Get Discount Health Insurance In Nevada
Health insurance is something most people don’t think about – until they get sick. And then, of course, it can be too late.
If you want to save money and get discount health insurance in Nevada the first thing you want to do is to get your insurance policy when you are young and healthy. If you purchase your policy when you are young and healthy your premiums will be low and will remain constant for the life of your policy. And keep in mind that as inflation drives up the cost of everything else, your level-pay health insurance premiums will seem to get more and more insignificant.
If it is not possible to get health insurance when you are young and healthy, then get it today. Every birthday that passes drives up the monthly cost of your premiums.
The best way – by far – to save money and get discount health insurance in Nevada is to go online and compare as many different policies and companies as you can and then choose the company with the best policy and the best price for you.
But before you do that, here are a few things you should be aware of that might drive up the cost of your discount health insurance.
Do you smoke? If you answer “Yes” then you won’t be getting the same discount rate as someone who doesn’t smoke.
Do you have a chronic health problem? This could be anything from asthma to diabetes to heart problems to any number of other conditions – including obesity. If you suffer from what health insurance companies refer to as “pre-existing conditions” then your health insurance may be more expensive or it may simply exclude making payments for your pre-existing condition, at least for a set amount of time, often six months to one year.
However, under Nevada law if you are offered group health insurance through your work, you cannot be singled out and turned down because of a pre-existing condition. Also, by law if you become sick after you purchase a policy you must be allowed to renew that policy – in other words, it is illegal to cancel your health insurance simply because you have become ill and need to use it.
Do you have a dangerous job? If you work on a fishing boat, or you drive sports cars or fly experimental planes for a living, count on paying more for your health insurance. Not surprisingly, health insurance companies prefer insuring people with safe, comfortable, traditional jobs.
Believe it or not, even your credit rating can affect how much you pay for many insurance policies.
Discount health insurance is available, but in order to find the best possible policy combined with the lowest possible rate, you are going to have to do your homework and shop around online – and do whatever you can to minimize the negative effects of anything mentioned in this article, because the lower your health insurance premium, the more money you will save, year after year, for the rest of your life.
How To Save Money And Get Discount Car Insurance In Alabama
How To Save Money And Get Discount Car Insurance In Alabama
Alabama is serious about requiring every driver on a public road in Alabama to buy car insurance. That’s why so many drivers are looking for ways to save money and get discount car insurance in Alabama.
So how can you save money on your car insurance here in Alabama? Start by driving legally and safely at all times. Nothing drives up the cost of car insurance like a speeding ticket or other moving violation – unless it’s a DUI or DWI conviction.
If you are convicted of a DUI (Driving Under the Influence) or if you are convicted of a DWI (Driving While Intoxicated) you’ll be out of luck as far as getting discount car insurance for at least 3 years. If you receive a second DUI or DWI conviction you may never see cheap car insurance again in your lifetime.
If you have a garage and you can keep your car in a garage at night let your agent know – it could save you money every month on your policy.
Add safety features to your car. Ask your agent if you could save money by purchasing and using a steering wheel lock. Ask about a simple electronic device that disables your fuel pump unless you enter a secret code or press a hidden button; such devices are inexpensive and easy-to-install and can save you money on your insurance every month.
If you’re in school and under age 25 stay where you are and work hard. If you can maintain at least a “B” grade point average you can save as much as 5% each month with your Good Student Discount.
Are you recently retired? If so, let your agent know. If your car is no longer being driven to work and back every day there is a rather nice discount on your insurance.
And speaking about not driving your car so much, many people are now starting to use public transportation for as many of their traveling needs as possible, only using their cars for emergencies and special occasions. If you can knock your monthly driving down to under 500 miles let your agent know – you will be entitled to a Low Mileage Discount.
What about your deductible? Think about it carefully because this is cash you’ll have to come up with out of your own pocket if you ever have a claim, but the larger your deductible the smaller your monthly premium payment.
If you’re over age 55 ask your agent if your company offers a driver’s refresher course. If so, and if you pass it, you could save as much as 10% each and every month on your car insurance.
Using the information in this article see if you can put together a car insurance policy on paper which will save you as much money as possible – and then get online and see what you can find on at least 3 of the websites that allow you to compare prices at various insurance companies.
Compare the policy you just created on at least 3 of those websites and then simply choose the lowest price you can find. That’s it. Now you have saved money and gotten discount car insurance in Alabama! Good job!
How To Save Money And Get Discount Car Insurance In Nevada
How To Save Money And Get Discount Car Insurance In Nevada
Nevada is a no-fault auto insurance state which means that its auto insurance rates are among the highest in the nation. Therefore it is very important to shop around and compare policies in order to save money and get discount car insurance in Nevada.
Before you begin searching for the best prices on car insurance in Nevada, you need to sit down and decide what coverage you need. If you are driving a newer car that is financed you will need to carry the coverage required by your financial institution. Your required coverage may be greater than the state minimum requirements.
If you have a list of lender-required coverage amounts then sits down on-line with that list and key it in on one of the many auto insurance quote sites that allow the instant side-by-side comparison of car insurance rates.
If you drive a car that is fully paid for you have additional options that you may not have with a vehicle that is financed. In Nevada you are required to carry minimum liability coverage: ,000 per individual for any bodily injuries you cause to other people, ,000 for all injuries and ,000 to cover any damage you do to another person’s property. You are not required to carry any form of personal injury insurance – although you may elect to carry such coverage.
All Nevada car insurance companies offer coverages in addition to the state minimums and you may want to consider additional coverage depending on the age of your vehicle, the value of your vehicle, and your personal financial situation.
Your auto insurance rates in Nevada are determined by a number of factors: your age, your driving record, the kind of car you drive, and the area that you live in.
If you are going online to shop and compare discount car insurance in Nevada you’ll need to have some information on hand to make your job easier. First you’ll need your driver’s license and the information it contains. You’ll also need a record of any accidents or tickets you have had in the past 5 years and any claims you have made against another auto insurance company over the last 5 years.
Plan to spend 15 to 20 minutes filling out the form on the auto insurance comparison website, but once you’re done you should be able to pick and choose the best auto insurance policy for you and your family at a price you can afford.
Different companies charge different rates, so it definitely pays to compare. A little time spent online today looking for the very best and most affordable discount car insurance could result in substantial savings for years to come.
How To Save Money And Get Discount Car Insurance In Florida
How To Save Money And Get Discount Car Insurance In Florida
You must have car insurance if you intend to drive your vehicle on any public roadway within the state of Florida. Driving without insurance carries severe legal consequences and can result in your inability to easily obtain a permit for a vehicle in your name for a minimum of three years.
At the very least you must buy liability insurance in the state of Florida.
The minimum amount of liability insurance that you must carry in the state of Florida is ,000 Personal Injury Protection (PIP) and ,000 Property Damage Liability (PDL).
Many insurance policies are set up to offer a slightly different minimum coverage. ,000 bodily injury to any one person injured in an accident that is your fault, with a maximum of ,000 in medical payments for any one accident, plus your liability insurance must at the very least provide for ,000 in Property Damage Liability (or PDL). This is commonly abbreviated as 10/20/10.
Liability insurance does not cover the repair or replacement of your vehicle, nor does it cover the medical payments for you or anyone in your vehicle should it be determined that you are at fault in an accident.
Taking current medical costs into consideration, as well as the cost to repair or replace even a moderately-priced vehicle, the state minimum coverage required in Florida could easily leave you still owing a considerable amount of money should you be involved in an accident.
It may be in your best interest to purchase more than the minimum required car insurance and fortunately there are steps you can take to save money and get discount car insurance in Florida.
Start by driving safely and lawfully at all times. If you receive a ticket for speeding or for any other moving violation you can count on your car insurance rates going up. If you are convicted of Driving Under the Influence (DUI) or of Driving While Intoxicated (DWI) your insurance rates will skyrocket. A second DUI or DWI conviction and you may be forced to find insurance in the high-risk pool – at a cost that will make you dizzy!
Is your car garaged at night? If so you may be entitled to a discount on your insurance.
Do you drive fewer than 500 miles each month? If so you may be entitled to a Low Mileage Discount.
Do you have more than one insurance policy with the same company? Do you also have a homeowner’s policy, or possibly a health insurance policy with the same company? If so you may be entitled to receive a Multi-Policy Discount on your car insurance.
Have you been insured with the same company more than 5 years? If so you may be entitled to a Long-Term Discount.
If you are under 25 and still in school and you maintain at least a “B” grade average then you should be entitled to at least a 5% discount on your car insurance through a Good Student Discount.
If you are at least 55 years old and you take and pass a special driver’s refresher course you should qualify for at least a 10% discount on your monthly car insurance premium. Not every insurance company offers this discount so check with your agent to see if you can qualify.
If your car is an older model and has very little or possibly no remaining Kelly Blue Book value then you can save considerable money each month by canceling your collision and comprehensive insurance since your company will not pay off on those coverages anyway.
How large of a deductible can you afford? Answer this question carefully, because the larger the deductible you can afford then the lower your monthly premium payment will be – however, the larger your deduction the more cash you will have to supply out of your own pocket should you have a claim.
All right, you should now be armed with enough information to create a car insurance package that you can both live with as well as afford. Now it’s time for you to get online and start comparing car insurance policies and their prices.
Be sure that you take the extra time necessary in order to compare prices on a minimum of at least 3 different websites. This is because no one comparison site actually compares all of the companies issuing car insurance in Florida. If you take the time to make comparisons on at least 3 different sites then you can rest easy, knowing that you really and truly have saved money and gotten the best discount car insurance available in Florida.
How To Save Money And Get Discount Car Insurance In Iowa
How To Save Money And Get Discount Car Insurance In Iowa
There are just a small handful of states that do not require drivers to purchase car insurance and Iowa is one of those states. However, while Iowa may not require that you purchase car insurance, Iowa does require that you be able to prove financial responsibility in the event that you are involved in an accident.
In practice this is a fine line, and most Iowans choose the easy way out and purchase car insurance although there are several other, more torturous, methods of proving financial responsibility.
Also, if you finance an automobile then your lender will require that you purchase car insurance.
So in practice it is obvious that the majority of drivers are interesting in finding ways to save money and get discount car insurance here in Iowa.
Keeping your driving record clean is probably the single biggest thing you can do to keep your car insurance rates as low as possible. If you get a speeding ticket, a reckless driving citation, or any moving violation then you can count on your insurance premiums to begin climbing.
If you are convicted of Driving Under the Influence (DUI) or if you are convicted of Driving While Intoxicated (DWI) then your rates will skyrocket.
If you have multiple tickets or convictions, or several accidents or recent insurance claims, you may find that most companies will simply refuse to insure you and you will be forced to get insurance from a high-risk insurer – with rates that will be through the roof.
The lesson here is to simply drive safely, responsibly and legally at all times.
If you’re under age 25 then you already know that your car insurance is expensive. You can lower your rates somewhat by staying in school and maintaining at least a “B” grade point average. Doing this will qualify you for a Good Student Discount which could save you about 5% on your car insurance premium.
Older drivers, those 55 and over, may be able to take a special driver’s refresher course. Not every insurance company offers such a course, but if your company does – and you pass it – you can often save 10% or even more on your monthly premium.
If you only drive occasionally you should check with your agent about a low-mileage discount.
If you drive an older vehicle that has little or no Kelly Blue Book value then you are probably throwing your money away if you purchase collision or comprehensive insurance since your insurance company will only give you Blue Book value for your vehicle in any case.
Before purchasing a vehicle you should talk to your agent about the cost of insurance for the particular model you have your eye on – some car makes and models are far more expensive to insure than others so you can save a great deal each month simply by choosing the proper vehicle to begin with.
Choosing the right deductible can also reduce your monthly car insurance premium. Consider your deductible carefully as you will be asked to pay your deductible out of your own pocket in case of a claim, but the higher your deductible the lower your monthly insurance premium.
Finally it’s time for you to go online and find at least 3 different websites that allow you to make head-to-head comparisons of different car insurance policies from different insurance companies. Don’t just make comparisons on one site and think that you have found the best discount policy available. Since no one site compares all insurance companies you will need to fill out the forms on at least 3 different websites and then compare everything before you know which company will give you the best policy at the deepest discount price.
How To Save Money And Get Discount Life Insurance In Nevada
How To Save Money And Get Discount Life Insurance In Nevada
Most people don’t like to even think about life insurance, much less pay the monthly premiums. But as responsible adults who care deeply for our loved ones, we know that life insurance is something that we need to have if we are going to leave family and loved ones financially secure should something happen to us.
Before we talk about ways to save money and get discount life insurance here in Nevada, we need to understand what the two primary types of life insurance are. When purchasing life insurance you basically have a choice between whole life and term life.
Term life insurance is life insurance that lasts for a specified number of years. During those years the premium you have agreed to pay remains constant – but once the term of your policy expires, so does your insurance coverage. If you wish to take out a term policy for another set of years, you will have to pay a new (and higher) premium, based on your current age.
Whole life insurance, on the other hand, lasts your whole life. Whatever premium is in effect at the time you buy your policy is the premium you pay every month until you die.
While the premium for whole life insurance is higher – initially – than the premium for term life insurance, over the long run you may save more on whole life insurance, especially as you get older and may have a more difficult time paying the ever-increasing rates of a term policy.
Another thing to look for are discounts based on the size of your policy. The larger your policy, the greater the monthly premium discount. When comparing companies, also compare the prices for various size insurance policies. In many cases the difference in monthly premium between a 0,000 policy and a ,000,000 policy is just a few dollars.
Whichever life insurance policy you choose there are several things you can do in order to bring down the cost of your premium and save yourself considerable money over the long run.
First, if you smoke – stop. Smokers pay a tremendous penalty for their addiction. Smoking takes years off your life and contributes to several respiratory illnesses – and that drives up the cost of life insurance.
If you have a dangerous job, consider changing careers. The more likely you are to be seriously hurt or killed in your occupation, the more you are going to pay for life insurance.
If you drive a sports car or other muscle car, consider selling it. Again, anything that puts your life at greater risk than the normal person will drive up the cost of your life insurance.
Also, get insurance young. Each year that passes, each birthday you celebrate drives up the monthly cost of your premiums.
The final tip for saving money and getting discount life insurance is to get online and compare policies and prices among several different companies. Once you fill out the form on a site, all it takes is the click of a mouse and you can compare the prices of up to five or six different companies.
Remember, every dollar you save on your monthly premium adds up to real money over the course of a lifetime – so spend the time to compare today and save for the rest of your life.