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  • 1. Saving money on health care Views: 50
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    Terms of Use It's estimated that each year on average Americans spend roughly $8,000 per person on health care. Without putting your health on the line, it's good to know where you can reduce medical costs: 1. Generic drugs: Always ask whether the prescription drug your doctor recommends is available in a generic form. Generic drugs can cost 15-50 percent less than name brands, saving you and your insurance company money. 2. Avoid unnecessary tests and visits . If you move or cha  More...
  • 2. Where can I buy auto insurance? Views: 37
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    Terms of Use You can buy insurance through an insurance agent that represents one or more companies or directly through the insurance companies that sell policies using their own employees. Buying directly will generally not save you any money. When looking for an insurance agent or company, consult your state insurance department , the yellow pages of your phone book, and most importantly friends and relatives to find out who they have their insurance through and their level of satisfaction. S  More...
  • 3. What things can I do to reduce my auto insurance costs? Views: 34
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    Terms of Use You may not realize it, but the insurance rates you pay for your car can vary dramatically depending on the insurance company, agent or broker you choose, the coverages you request and the kind of car you drive. Listed below are a number of things you can do right now to lower your insurance costs. 1. COMPARISON SHOP . Prices for the same coverage can vary by hundreds of dollars, so it pays to shop around. Ask your friends, check the yellow pages or call your state insurance   More...
  • 4. Quick cost cutting: Reduce your auto insurance premiums on older cars Views: 31
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    Terms of Use While most every state requires that you buy a minimum amount of liability coverage, consider what you are paying for additional collision and comprehensive coverage, especially when you're driving an older vehicle. With most policies, your coverage reflects the market value of your car and the cost of repairing it. You may want to consider a liability-only policy, which can reduce your insurance costs by 50 percent or more, according to the National Association of Insurance   More...
  • 5. What steps can I take to lower my homeowners insurance? Views: 31
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    Terms of Use: 1. BE SURE TO SHOP AROUND. It'll take a few phone calls, but they could save you a good sum of money. Ask your friends, check the yellow pages or call your state insurance department. Also check consumer guides, insurance agents and companies. This will give you an idea of price ranges and tell you which companies or agents have the lowest prices. But don't consider price alone. The insurer you select should offer both a fair price and excellent service. Quality service may co  More...
  • 6. How much auto insurance do I need? Views: 29
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    Terms of Use Almost every state requires you to buy a minimum amount of liability coverage. Chances are that you will need more liability insurance than the state requires because accidents cost more than the minimum limits defined by each state. If you’re found legally responsible for damages that are more than your insurance covers, you will have to pay the difference out of your own pocket. These costs could literally wipe you out financially! The Insurance Information Institute (I.I.  More...
  • 7. What are health savings accounts? Views: 28
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    Terms of Use: A Health Savings Account is an alternative to traditional health insurance; it is a savings product that offers a different way for consumers to pay for their health care. HSAs enable you to pay for current health expenses and save for future qualified medical and retiree health expenses on a tax-free basis. You must be covered by a High Deductible Health Plan (HDHP) to be able to take advantage of HSAs. An HDHP generally costs less than what traditional health care coverage co  More...
  • 8. When can an insurance company consider my vehicle to be totaled and how is the market value determined? Views: 26
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    Terms of Use Your car will be considered to be totaled by the insurance company any time, usually when the costs to repair the vehicle exceeds the costs to replace it. If your vehicle is considered to be totaled, you can expect to receive the vehicle's market value. There are several standard guidelines for determining the market value of your car for insurance purposes. You and your insurer can refer to the Blue Book, which lists the depreciated value of all new and used cars. One Blue Bo  More...
  • 9. What is generally covered and what is not with a standard homeowners insurance policy? Views: 25
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    Terms of Use: Below we have identified what is generally covered by a standard homeowners policy, but you need to talk to your insurance agent to understand specifically what your policy covers and up to what amount. What's generally covered: Damage to both structures and personal property caused by: fire lightning windstorm (including hurricanes and tornadoes) or hail explosions riot or civil commotion aircraft and vehicles smoke theft or vandalism falling objects weight of ice, snow or sle  More...
  • 10. What things should I consider when buying auto insurance? Views: 22
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    Terms of Use There are five main considerations you need to take into account when picking an auto insurance company. Insurer financial stability Make sure that the company you buy from is financially stable so you know they will be around to pay any claims. The following companies rate insurance company strength: A.M. Best Company, Inc. Ambest Rd. Oldwick, NJ 08858 908-439-2200 http://www.ambest.com Moody’s Investor Services 99 Church Street New York, NY 10007 212-553-0300 http://ww  More...
All information provided through this site is intended to be accurate. However, there may be inaccuracies from time to time which we will make every attempt to correct immediately. Information provided is intended to assist you in making decisions and does not eliminate the need to discuss your particular circumstances with a qualified professional.