Money Saving Tips: insurance - billeater.com

Why You Should Never Skip Employer Disability Insurance

Jessica Bosari — Thu, 17 Nov 2011 16:42:51 +0000

Johnathan White had been coaching college volleyball for eight years when a collision at practice left him with two broken legs requiring surgery. What was expected to be a routine medical procedure became complicated, and it was four weeks before Johnathan was released from the hospital, with instructions to recover at home for another two more weeks.Read the rest...

6 Ways to Save Money on Life Insurance

Guest Blogger — Wed, 28 Sep 2011 00:49:30 +0000

It's very important to purchase a life insurance policy when you are young so that you can protect your as well as your family’s future. The policy gives you the opportunity to provide income for your family to meet their most essential needs when you will no longer be with them. By starting early, you realize the premium savings of those in good health and lock in that rate for the term of the policy.Read the rest...

Uninsured? Save Money With A Local Clinic

Jessica Bosari — Thu, 31 Mar 2011 05:00:00 +0000

The latest figures from the United States Census Bureau are from 2008. As of September of 2010, 50.7 million Americans have no health care insurance. The reasons for this are many and they are grim. Employers cutting jobs, companies eliminating health care insurance for employees, families cutting insurance coverage to cut costs, the escalating cost of health care are just a few. It's been three years since the recession began and presently, there is no end in sight. The talking heads on TV say there is some evidence that the recession is over, but the fifty million uninsured Americans haven't seen that evidence.Read the rest...

3 Ways Insurance Helps You Get Out and Stay Out of Debt

Guest Blogger — Wed, 09 Mar 2011 00:44:43 +0000

An insurance policy is a contract that protects you financially in case you are caught in an unforeseen situation. Thus, insurance policies are there to cover for all the times that you are involved in a risky situation. You should also remember that your insurance may also help you if the financial disaster that is affecting you is debt. Thus, if you are in debt, then you can make use of your insurance to provide you relief from it instead of using various debt solutions such as the consolidation of debt. Read the rest...

Cell Phone Insurance - Do You Really Need It?

Heather Hollingsworth — Tue, 08 Feb 2011 22:02:33 +0000

There is no doubt that cell phones have become an integral part of most people's daily lives. The phones in use today do far more than just place and receive calls. Many of them are small hand-held computers that contain important contact information for friends and family as well as fun games, reading material, and financial tools. Cell phones are used to post and read comments on social networking sites as well as keep track of business email from anywhere. For the first time, smart phone sales have actually outpaced computer sales.Read the rest...

Talking to Your Spouse About Death...and Life Insurance

Guest Blogger — Fri, 07 Jan 2011 18:45:33 +0000

Talking about death and life insurance can be scary - nobody likes to think about dying. It is an especially stressful conversation to have with your spouse. In some cases, people who are so worried about what will happen when they die that they buy too much life insurance. There are also people who are willing to look death in the face and make the appropriate arrangements, but there is so much misleading and incorrect information about buying life insurance floating around that they don’t get the right policy.Read the rest...

How to Ace Your Life Insurance Exam

Jessica Bosari — Tue, 28 Sep 2010 09:11:43 +0000

Getting a great rate on your life insurance usually means passing a physical exam with flying colors. This can make many of us anxious before a physical. But you can relax knowing just what they'll check for and what you can do to prepare. In fact, these suggestions are all good ways to stay healthy in general, so it's good practice to make them regular habits in your everyday life!Read the rest...

How Health Insurance Reform Will Affect Your Health Care Costs

dlawwill — Sat, 25 Sep 2010 00:34:51 +0000

Health Care Reform, also known as the Affordable Care Act, will have a significant impact on how Americans receive health care services. It will also change the way many people finance their health care. In 2009, there was a lot of passion and a lot of misinformation on both sides of the political aisle. Therefore, it is important to know exactly what the facts are and how this bill will affect your health care decisions.Read the rest...

Three Health Insurance Options for College Students

billeater — Tue, 13 Jul 2010 16:17:03 +0000

Even when you are young and in good health, it is important that you have health insurance. But many young adults skip this important financial failsafe because they feel overwhelmed by the prospect of buying insurance coverage. Although it can be difficult to find the plan that is right for your individual situation, it is important that you take the time to do the research and find the right insurance coverage. Read the rest...

Planning for the Worst: Getting the Most out of Life Insurance

Jessica Bosari — Sun, 06 Jun 2010 00:54:28 +0000

Insurance agents love to cite facts showing you get more than what you pay for when you buy whole life insurance. If that’s the case, why has whole life become so unpopular? If you pay $24,000, you get $50,000 back in coverage, doesn’t that mean you are getting back double your money? Well, yes and no. The truth is, you could do better by looking at your insurance a little differently.Read the rest...

Your Answers to These Six Questions Could Save You Money on Homeowners Insurance

Dan Early — Wed, 19 May 2010 15:36:18 +0000

It's been quite a while since Billeater covered the subject of homeonwer's insurance. Back in November 2008, we told you how to get the most out of your home's insurance. But with the ever-increasing costs of homeowners insurance, we though you might want to know how to get it at a better price too. Just taking a look at your policy from the insurance company's perspective can help you understand the steps you can take to save money on your premiums.Read the rest...

Discount! Are You Getting These Savings on Your Auto Insurance?

Thu, 13 May 2010 13:11:42 +0000

Did you know you could be paying way too much for your auto insurance premiums? Auto insurance prices fluctuate between customers but the price can even fluctuate for one individual if you know how to get discounts on your premiums. Here are nine ways you may or may not have considered to start paying lower premiums today.
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Save on Your Auto Insurance by Skipping Options You Don't Need

billeater — Fri, 07 May 2010 18:22:46 +0000

No one is more irritated by a high car insurance bill than a safe driver. You drive the speed limit, always obey traffic rules and have never been in an accident, but you still have to look that big bill in the face every month. Even the best drivers can find ways to save even more on their car insurance, on top of discounts for being a good driver. By planning a head and using your savings wisely, you can save a bundle on that annoying bill. Here's how.

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What to do if Your Health Insurance Claim is Denied

billeater — Tue, 13 Apr 2010 13:02:19 +0000

If your health insurance claim a surgery is denied, you need to challenge your insurer, rather than simply taking “No,” for an answer. That's because the majority of claims are “electronically adjudicated,” according to America's Health Insurance Plans research at AIHPresearch.com. Electronic adjudication means claims are processed electronically, with no manual intervention, using denial algorithms that look for ways to deny coverage.Read the rest...

How Much Will it Cost to Insure That New Car?

billeater — Mon, 12 Apr 2010 10:57:54 +0000

Trying to find out the price of insurance on that new vehicle you’ve just taken on a test drive is almost as difficult as finding out what an airplane ticket from LA to Chicago will cost. The same way a plane ticket has so many variables (date, time, nonstop or with layovers, business or coach, staying over a weekend or not), so does any vehicle’s insurance.

There are intangible reasons for the costs of a premium, such as the part of the country you reside in, your age and gender, as well as the statistics of the other drivers in your household. It also takes into consideration how many miles the vehicle is driven to work, how much mileage is put on it in a year’s time, the neighborhood it is parked in most often and whether it is garaged or not. Your credit rating and driving records, such as any accidents or how many claims you’ve filed in the past can also have an effect . Since these differ from person to person, you may pay more than your next door neighbor on an identical vehicle, if you’ve got a lead foot and don’t pay your bills on time.Read the rest...

12 Ways to Save Money on Car Insurance for Your Teen Driver

billeater — Wed, 07 Apr 2010 01:19:57 +0000

Teen drivers are four times more likely to get into an accident than older drivers, according to the Insurance Institute for Highway Safety (IIHS). This statistic is frightening not only because your teen could get hurt, but also because it means your auto insurance costs could as much as double when your teen starts driving.

Luckily, there are ways to insure your teenaged driver without going broke. Read the rest...

How to Beat Back Monthly Insurance Payments

debbiedragon — Thu, 28 Jan 2010 18:18:26 +0000

Insurance costs are a necessary evil. While we may never be happy to fork over the costs of our monthly insurance premiums on our house or cars, we certainly will jump for joy on the day we may actually need to file an insurance claim and count our blessing the policy is there for us. Insurance rates have certainly grown in the last few years. We can expect the amount to increase as well.Read the rest...

"Pay as you Drive" Technology Enables New Car Insurance Discounts

Jessica Bosari — Wed, 06 Jan 2010 21:10:06 +0000

Auto insurance companies like Progressive, Travelers, Allstate, The Hartford and GMAC are introducing new ways for drivers to save on auto insurance with onboard driver monitoring technology. While some groups express concerns over consumer privacy, good drivers are taking advantage of a way to save more money on their car insurance rates. These behaviorally focused, Pay As You Drive (PAYD) programs are gaining steam in many states.Read the rest...

Buying Individual Health Insurance

Fri, 18 Dec 2009 15:46:34 +0000

As new health care legislation hangs in the balance, thousands of Americans continue to go without health insurance. Worse yet, as companies continue to reduce jobs, people lose health care insurance benefits as well as the income necessary to purchase an individual policy.

What to do? If you’ve lost your insurance or your COBRA coverage is due to expire soon, it’s time to do your own shopping for individual health care coverage to compare prices and coverage options. Read the rest...

Use Caution when Saving on Car Insurance

Jessica Bosari — Thu, 03 Dec 2009 12:40:29 +0000

Saving on car insurance involves many factors. It’s about a lot more than just picking the cheapest insurance company. You need to think about your personal situation and what is most important to you. Here are some strategies to consider that will help you find the most affordable policy.

Going After Quality

Believe it or not, getting the best quality insurance policy can save you money. Why? Because insurance companies with higher customer satisfaction rates actually pay claims instead of fighting you. If you could not afford to have your claim denied if your car was totaled in an accident or stolen, this is the way to go. Read the rest...

How To Find Affordable Pet Insurance

debbiedragon — Sat, 14 Nov 2009 13:36:08 +0000

Pet health insurance is becoming increasing popular with animal lovers who want to provide the best possible care for their pets. Responsible pet ownersunderstand their pets rely on human caregivers for survival. Pet parents must provide food, water and shelter for their animals as well as routine or preventative veterinary care. These costs are usually considered before an animal is brought home, however many people fail to plan for unexpected veterinary costs which can quickly become expensive should your pet require emergency treatment.Read the rest...

Your Credit and Your Insurance Rates - There Is A Connection

debbiedragon — Fri, 06 Nov 2009 22:33:33 +0000

Understanding and keeping current on your credit score can save you money on insurance costs. Insurance is a necessity for most people to protect them in the event something unplanned occurs. Homeowners, auto, health and life are the most traditional insurance policies. Travel, pet and renters are also common policies held by consumers. Insurance has long been known as a way to protect investments but skyrocketing premiums are a continued concern for consumers.
Read the rest...

Lost Your Health Insurance? Don’t Panic

debbiedragon — Sat, 24 Oct 2009 14:39:52 +0000

In 2008, approximately 15% of the population, according to the Census Board, was without any type of health insurance. That represents approximately 46.3 million people. Most people are insured through their employee programs. Other providers are Medicare and Medicaid. What happens if you lose your benefits?If you become seriously ill or disabled, chances are that you will invest your cash in your own welfare, and spend your money on hospital charges. It happens.

If you have no insurance and need medical attention don’t be afraid to negotiate for a better price. It sounds odd to be haggling with a health care provider but it is something you have to learn how to do if your insurance disappears.When looking for new health insurance because, your policy has run out, or you have been laid off, there are several places that specialize in helping people find affordable coverage:
Read the rest...

Simple Ways to Lower Your Car Insurance

debbiedragon — Fri, 02 Oct 2009 18:28:49 +0000

In today’s world, many of us are taking a close look at our finances and examining every possible angle to lower our bills. Your car insurance could be an area of opportunity to save a little money. Let’s take a look at some tips you can use to help you significantly lower your Automobile Insurance premiums.
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3 Ways To Save Money Without Sacrificing Insurance Coverage

debbiedragon — Fri, 25 Sep 2009 16:01:10 +0000

Insurance policies, often written in a language that only brokers and agents can understand can be intimidating and frustrating to manage. Whether you are buying health, auto, homeowners, life or any of the various policies available to provide coverage when needed, it is important to know what you are purchasing and what coverage will be provided. In an economy where everyone is trying to pinch pennies and stretch every dollar to the max, many consumers are struggling to pay insurance premiums with some even canceling policies they cannot afford. Sadly insurance is the one thing you pay for in the hopes you never have to use; and in many cases need that coverage when you can least afford to be unprotected.

Read the rest...

How To Find Good Insurance For Your Fine Jewelry

debbiedragon — Fri, 18 Sep 2009 16:59:21 +0000

Many consumers make the mistake in thinking that should something happen to their engagement or wedding ring or other fine jewelry that the homeowner or renter's insurance policy they have will cover it. However, in most cases, homeowner's and renter's insurance does not cover jewelry fully. Policies typically have limits for personal property loss categories, which includes jewelry.
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Why Renters Need Insurance

debbiedragon — Wed, 09 Sep 2009 23:30:18 +0000

When you own a home, it is no surprise that insurance is required in the event tragedy strikes. When you rent a place, it is kind of surprising that insurance is not required given that renters likely have more to lose and face bigger risks.
Read the rest...

6 Ways To Save Money on Car Insurance

MikeV — Wed, 05 Aug 2009 01:45:23 +0000

If you have had car insurance with the same company for a while, it is quite possible that you could save money by shopping around. Reducing your car insurance costs makes a lot of sense in a day when money is tight for many people. Car insurance companies are also offering great deals, too, and you may be able to benefit by looking at other deals. Here are 6 ways that most people may be able to get a better car insurance price.Read the rest...

10 tips to save on health insurance

Tyra — Mon, 20 Jul 2009 01:10:03 +0000

The health and wellness of you and your family is one of those things in life you can't put a price tag on. Health insurance is a good idea because it provides coverage for regular doctor visits, and also sets your mind at ease should a health emergency occur. Most plans also cover prescription drugs as may cover other needs such as mental health and homeopathic care. We have put together a list of a few tips and tricks to help you save money on your monthly health care premium.Read the rest...

State-mandated auto insurance discounts for mature drivers

billeater — Thu, 16 Apr 2009 09:00:00 +0000

This is a little known secret that can save those of you older than 55 up to 10% on your auto insurance premiums.

Thirty-five states, plus the District of Columbia have regulations that require insurance providers to offer a specific discount to drivers over 55 that have taken a safe driving course.

How much does the mature driver discount save me?Read the rest...

6 Powerful Tips to Save Money on Your Health Insurance

MikeV — Sat, 28 Mar 2009 00:24:08 +0000

Most everyone knows the value of having a good health insurance policy, but finding one that is priced just right is not easy. Health costs have sky-rocketed recently, and will probably get worse soon. In spite of that, though, here are 6 powerful tips that can enable you to find affordable health insurance or yourself and your family.

1. Get a Health Savings Account (HSA)Read the rest...

5 Things You Want on Your Motorcycle Insurance Policy

MikeV — Mon, 23 Feb 2009 22:14:28 +0000

Taking your new motorcycle for a spin on the open road is a great luxury. Not much can compare to the freedom that bikers enjoy. In order to keep on enjoying it, however, you want to make sure that you have the right kind of motorcycle insurance. Whether it is just a scooter, a dirt bike, a hog, or a luxury cruiser, you want to make sure that you have the motorcycle insurance coverage you need. Here are a few tips to show you what you need.Read the rest...

Top 10 life insurance buyer's tips

billeater — Sat, 24 Jan 2009 20:18:26 +0000

The cost of life insurance has dropped in a huge way over the last 20 years. Increased competition, and the power of the web bringing information straight to consumers, among other factors, have driven this dramatic change in costs.Read the rest...

Top 6 tips on getting the right homeowner's insurance coverage.

billeater — Thu, 27 Nov 2008 14:08:14 +0000

In the market for home insurance, or considering switching your home coverage to another provider? Here's six great tips to make sure you are asking for the right amount of coverage. Too much will cost you in policy payments, and too little may cost you later if you need to make a claim.Read the rest...

Combine your auto and home policies and save

billeater — Thu, 27 Nov 2008 01:48:16 +0000

Many people still maintain insurance with separate companies for their auto and home. Negotiating each of them separately may seem like a good deal, but the insurance companies offer significant discounts when you combine more than policy with them.

A 10% discount is fairly common, and makes it fairly unlikely that you'll be able to get a better price negotiating them separately.

As an added bonus, your billing will get simplified, and your insurance company can usually align the policy expiration dates as well.

insurance money saving tip - raise your deductible

billeater — Sun, 16 Nov 2008 21:07:07 +0000

Many people are afraid of a higher deductible because they don't want to pay a big sum if something happens. Did you know, however, that you can lower your insurance bill up to 25% by moving your deductible up to $1000 ? For many people, that would allow them to put the cost savings in the bank to cover the risk of the increased deductible, essentially allowing this tip to pay for itself in the first year or two. Anything you save after that is money you can spend. Using this chart with ficticious numbers an an example...Read the rest...

Top 10 most, and least expensive cars to insure for 2008

billeater — Thu, 06 Nov 2008 04:46:07 +0000

Each year, Insure.com releases it's list of the top ten most expensive, and the top ten least expensive cars to insure. Insurers use a variety of data to decide on rates for cars, including the overall value, attractiveness to thieves and vandals, popularity with fast drivers, and overall safety.

So, being on the list of most expensive cars to insure doesn't necessarily mean the car is unsafe, but it does mean it will cost you quite a bit.

It's certainly a chance to save a little money when you are picking a vehicle to purchase. You'll notice, for example, a difference of over $200 in insurance costs between two popular makes of full size pickup trucks.

Here's their list for 2008:Read the rest...

Find all the insurance policy discounts that are available to you

billeater — Wed, 01 Oct 2008 06:00:00 +0000

When comparison shopping, many consumers are not aware of all discounts that are available to them. Not all insurance companies offer every type of discount, but it does pay to ask them about any that could apply to you.

Be sure to ask about discounts for the following items when you are comparison shopping:Read the rest...

Higher than Average Deductible
Multi Vehicle ( more than one car )
Anti-Theft Devices
No Accidents in 3 Years
No Moving Violations / Traffic Tickets in 3 Years
Student Driver Training Courses