Cheap Insurance - Ten Tips
by: Steve Gillman
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.
About The Author
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.
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Cheap Insurance - Ten Tips
Cheap Insurance - Ten Tips
by: Steve Gillman
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....
Cheap Insurance - Ten Tips
Cheap airfare > Cheap Insurance - Ten Tips
Five Family Friendly Vacations Ideas and How To Make Them Affordable
Five Family Friendly Vacations Ideas and How To Make Them Affordable
by: Patricia Kopp
Does the cost of travel have you wondering whether or not you can afford to take your family on a vacation this year? Your much needed and well deserved vacation should be a priority in your life and we are providing ways to make your family vacation time more affordable and more enjoyable.
1. Kids and Cruises ?Traveling by ship is a way for families to visit several places on one trip without constantly having to pack and unpack which is a big benefit for parents with young children. Additionally most cruise lines offer children's programs and kids will love the freedom of life on board a cruise ship.
Way to save on cruising: Travel agents specializing in cruises and businesses that book blocks of cabins can offer quite a savings on rooms. Cruising prices are also dependent upon the season you choose to cruise. Look for off season specials or cruises...
Five Family Friendly Vacations Ideas and How To Make Them Affordable
Cheap airfare > Five Family Friendly Vacations Ideas and How To Make Them Affordable
Five Family Friendly Vacations Ideas and How To Make Them Affordable
Five Family Friendly Vacations Ideas and How To Make Them Affordable
by: Patricia Kopp
Does the cost of travel have you wondering whether or not you can afford to take your family on a vacation this year? Your much needed and well deserved vacation should be a priority in your life and we are providing ways to make your family vacation time more affordable and more enjoyable.
1. Kids and Cruises ?Traveling by ship is a way for families to visit several places on one trip without constantly having to pack and unpack which is a big benefit for parents with young children. Additionally most cruise lines offer children's programs and kids will love the freedom of life on board a cruise ship.
Way to save on cruising: Travel agents specializing in cruises and businesses that book blocks of cabins can offer quite a savings on rooms. Cruising prices are also dependent upon the season you choose to cruise. Look for off season specials or cruises...
Five Family Friendly Vacations Ideas and How To Make Them Affordable
Cheap airfare > Five Family Friendly Vacations Ideas and How To Make Them Affordable
Five Family Friendly Vacations Ideas and How To Make Them Affordable
Five Family Friendly Vacations Ideas and How To Make Them Affordable
by: Patricia Kopp
Does the cost of travel have you wondering whether or not you can afford to take your family on a vacation this year? Your much needed and well deserved vacation should be a priority in your life and we are providing ways to make your family vacation time more affordable and more enjoyable.
1. Kids and Cruises ?Traveling by ship is a way for families to visit several places on one trip without constantly having to pack and unpack which is a big benefit for parents with young children. Additionally most cruise lines offer children's programs and kids will love the freedom of life on board a cruise ship.
Way to save on cruising: Travel agents specializing in cruises and businesses that book blocks of cabins can offer quite a savings on rooms. Cruising prices are also dependent upon the season you choose to cruise. Look for off season specials or cruises...
Five Family Friendly Vacations Ideas and How To Make Them Affordable
Cheap airfare > Five Family Friendly Vacations Ideas and How To Make Them Affordable
Very Cheap Web Design Service In England
Very Cheap Web Design Service In England
by: Steve Hill
Are you looking for somebody to build you a website, however do not have a very large budget? This is the position many people find themselves in and are on the lookout for very cheap web design services.
There are companies out there or people who are just starting out in a career building websites who to start with will often offer their services at a very reasonable rate, basically to build up a portfolio. Once they are established they then tend to increase the amount they charge.
I have even heard about one person who for a very short period of time was building websites for free! This is an extreme case though.
To find these companies and people it is worth looking in many areas including yellow pages, ebay, bargain pages and also by asking his friends, to see if they knew of anybody.
Searching on search engines like Google for the search term, very cheap website...
Very Cheap Web Design Service In England
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Where to Get Cheap Web Hosting
Where to Get Cheap Web Hosting
by: Jay Moncliff
If you are looking for a cheap web hosting company you may wish to know where to look.
Cheap web hosting is available to anyone.
But the cost of it depends on several factors.
For some people, it may be impossible to get cheap web hosting.
You will have to see what is available based on you needs.
First, to see if you can use cheap web hosting you need to know how much disk space you will need.
How large is your website? How many pages, video files, music files, etc. do you need?
Second, a cheap web hosting company will need to know how busy your sight will be.
If your site is going to have a lot of visitors, cheap web hosting may not be for you.
Third, how many email accounts do you need?
Cheap web hosting companies do not usually provide many.
Lastly, how much are you willing to spend?
Cheap web...
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