Your Guide to Insurance Savings

Everyone has to carry some form of insurance, whether it is homeowners insurance, renters insurance, auto insurance or private medical insurance. Being able to find ways to reduce the amount that you have to pay on your premiums is important. With less money leaving your family budget for insurance, you’ll have more money for savings and other needed expenses. 1. Raise your deductible If your insurance deductible is less than $500, consider raising it to at least that amount. The higher your deductible, the lower your insurance rate. The deductible is the amount that you will pay first before the … Continue reading

Five Ways to Get the Best Insurance Rates

Even in the worst of times, it usually does not make sense to cut back on insurance. You never know when a disaster might hit. Being properly insured can save you from disaster. When money is tight, it is better to reduce the cost of insurance rather than eliminate it. Try the following five ways to get the best insurance rates and reduce your cost. 1. Buy all of your policies in the same place Most insurers will give you discounts when you buy multiple policies with them and may even offer bundled plans. Start by insuring your cars and … Continue reading

Ways to Save Money on Dental Insurance

Taking good care of your teeth is important. We all want healthy teeth and gums, and a nice smile. The cost of the dental care involved isn’t always easy on your budget. Here are a few ways to save money on dental insurance and dental care, even if you don’t have dental insurance coverage. One of the easiest ways to save money on your dental care is if you have dental insurance. Some health insurance plans will cover dental care, so you should start by checking to see what your current plan offers. If your health insurance is a group … Continue reading

Don’t Pay Too Much For Car Insurance

You already know that safe driving can score you a discount on your car insurance. Unfortunately, accidents can and do happen. The good news is that there are plenty of other things that you can do to keep your car insurance costs in check. For example, when you do your annual comparison shopping for car insurance, ask for quotes to insure all of your household’s vehicles. You do comparison shop for car insurance annually, don’t you? Insurance companies offer better rates when more than one vehicle and/or driver is insured. Some companies may even be able to meet your other … Continue reading

The ASPCA Sells Pet Insurance

Did you know that the ASPCA sells pet insurance? They have a wealth of information on their website that will teach you all about what pet insurance is for, why you need it, and more. If you have questions about pet insurance, you can probably find the answer somewhere on the ASPCA website. The American Society for the Prevention of Cruelty to Animals (ASPCA) was the very first humane society that was established in the United States. They were founded in 1866 by Henry Bergh. They have a program called ASPCA Mission: Orange which works toward ending the unnecessary euthanasia … Continue reading

Need Health Care? Try Groupon!

Health insurance is expensive. This is the main reason why so many Americans lack health insurance. Some of the social coupon websites have started connecting to dentists, doctors, and health care providers in order to offer people deals on health care services. Groupon is, perhaps, the most easily recognizable social coupon website. Others include: LivingSocial, PeopleDeals, EverSave, SocialBuy, and Tippr. Google might be getting into this market with GoogleOffers soon. In order to get a social coupon, you typically have to subscribe to the service. It isn’t free, but it also isn’t an outrageous price. The company connects with local … Continue reading

College Students Need Insurance

It won’t be long before the new semester begins, and the college students will be back in school. Most families realize that their college bound offspring needs things like textbooks, new bedding, and perhaps their own computer. College students also need to have insurance coverage. College is expensive. Tuition seems to go up every semester. Textbooks cost a small fortune. There are fees to pay for the dorm, the meal plan, and possibly even a parking permit. Students who are living in apartments are going to have to come up with the money to pay rent, and also to buy … Continue reading

Coming Soon – Insurance at the Grocery Store

Private insurance companies are starting to make plans about how to get their products before the eyes of consumers in 2014, when the health insurance exchanges are expected to appear. Many are making plans to place kiosks inside retail stores. This could help consumers and insurers connect. The health insurance exchanges are supposed to be ready to be used in 2014. Some states have been working on setting up their exchanges, and other states have been resisting it. Private insurance companies are starting to work on setting up their own private exchanges, in order to get ahead of things a … Continue reading

The Hospital Takes Insurance – Does the Doctor?

Medical debt from hospital bills can send families spiraling into bankruptcy. If you have health insurance coverage, you might think that you will be able to afford going to a hospital for the health care you need. The hospital might take your insurance, but that doesn’t mean individual doctors within the hospital are also going to accept that form of payment. Not all trips to the hospital are going to be things that you can plan. Accidents can happen that lead to emergency visits. In those situations, people end up hoping that they were taken to a hospital that will … Continue reading

Utah Hospitals Change Eligibility For Cheaper Insurance

A chain of hospitals in Utah that are owned by HCA MountainStar is going to be doing something unique with the employer sponsored health insurance that the group offers to its employees. Starting next year, there will be separate health insurance options available to workers, depending on whether or not they submitted to a health screening. Six hospitals in Utah that are owned by HCA MountainStar are changing their eligibility for some employer sponsored health insurance plans, starting in 2012. Employees will be asked to submit to annual screenings. I’m not sure if this new idea qualifies as a form … Continue reading