How To Compare Car Insurance Prices
Compare Car Insurance Prices
The best car insurance price comparisons will depend upon what you want as a consumer and internet user. Some consumers are just browsing around, trying to get a general idea of what auto insurance costs in their area. They would probably prefer an instant way to find the competitive auto insurers online, and to get results presented in an online format.
Other consumers want a detailed car insurance quote that will be more accurate for their own age, driving reord, zip code, type of car they drive, and other specific factors. In that case, the best car insurance quote can be obtained quickly, but not instantly. You will be able to find specific detailed information, if you provide some details, and also find the discount auto insurance plans that may be available for a driver like you.
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COBRA Health Plans After Leaving a Job
What is a COBRA Health Plan?
COBRA is actually a federal law: Consolidated Omnibus Budget Reconciliation Act - which helps some former employees and their families extend their company’s health coverage after they leave a place of employment. Not all companies have to extend this coverage. For instance, a business has to have at least 20 employees, so an employee of a very small business may not be able to rely on a COBRA health insurance extension. On the other hand, employees with disabilities may be able to get extended coverage beyond what others could expect. Be sure to read your company human resources manual or discuss the plan with a benefits person before you make a decision about unemployment health insurance plans.
How Much Does COBRA Coverage Cost?
Well, this is one unpleasant surprise that many employees face after they terminate their job. In general, larger companies pay a large portion of the health plan and only require a small contribution from employees. In general, the ex-employee must pay the entire premium for a COBRA extension, and they may also pay a small administration fee. So an employee may have contributed $250 a month while their employeer contributed $750 for a family’s coverage under a group health plan. Under a COBRA extension, the employee could be responsible for the entire premium, plus a 2% administration fee every month. Many employees are shocked to see a $1020 insurance premium once they leave their job.
Is COBRA the Only Health Plan Option After Employment?
Of course, consumers are free to seek individual health insurance to cover their families while they seek other work or start their own business. If the family is in good health, they will probably be able to find cheaper coverage on the individual market because private health plans have the option of picking and choosing who they want to cover. On the other hand, if a family member has a pre-existing condition, is pregnant, or knows they need a medical service in the near future, and individual health insurance plan may not be a good option at all! You need compare plans and options in your state to decide on the best health plans for your family.
Be sure and obtain coverage before you cancel any policies you have now.
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About Senior Life Insurance or Burial Insurance Plans
Many life insurance products are being marketed to seniors, as senior’s life insurance policies. In the business, we call these small face value, whole life policies, Senior Final Expense Insurance. That is because the policies are designed to pay for funerals, and other associated expenses that come up at the end of a long life.
You should compare policies though, and you can compare final expense insurance quotes and plans here. Some plans, advertised as guaranteed issue, can be very good deals for some people, but may not pay an immediate death benefit, and are usually more expensive than another product called simplified issue life insurance.
If you are not familiar with the concept of whole life insurance, see our article: whole life insurance explained.
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Car Insurance Premiums and Your Budget
If you are buying a new or used car, be sure to consider the auto insurance premiums as part of your monthly payment. Consider a $300 a month loan payment, and then add in $100 - $150 for auto insurance, and you can see that the insurance part is signifigant. You may think that you do not need to consider this because you already pay a premium on your old car, but a different car can raise or lower that payment, because one big factor in insurance prices is the type of car you drive! Even the car color and accident risk is something that auto insurers consider!
Sometimes used cars may be cheaper to insure, but sometimes additional safety features and anti-theft devices make newer cars cost less. If your budget is tight, but you need to get another car, be sure to consider which autos are the cheapest cars to insure.
To save time, we like to use an online car insurance quote form to find the best car insurance quotes for our own individual situation, and the type of car we plan to buy. Since the place we live, our age, our driving record, the type of car we drive, safety features, anti-theft devices, and other things can affect our auto insurance premiums, it is good to be able to enter that in one time, and then be able to get competitive auto insurance quotes where we live.
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Find Homeowners Insurance Discounts
Cut Homeowners Insurance Bills with Discount Insurance
Along with increased prices at the grocery store and gasoline pump, many people have also had their homeowners insurance premiums raised. Even without an increase, any reduction in bills would help the family budget cope with higher prices in other areas. However, I do not believe that everybody is taking advantage of homeowners insurance discounts that they may qualify for, or could qualify for with some simple steps.
Save Time & Money by Comparing Home Insurance Quotes
Keep in mind that many discounts are cumulative, so three 15% discounts, can add up to a 45% lower bill. If your premium is $150 a month, that would slash your bill to $82.50. Multiply this out over a year, and the savings add up to over $800. I am sure that most of us could use that extra money to increase our savings, reduce credit card debt, or maybe even to have a little fun!
The most common way to reduce your bill is by using the same company to cover your auto and your home. This usually works with homeowners, condo, and rental policies too. A common discount is 15%, but I have seen higher ones. Many well known discount auto insurers do not offer home insurance, and may not actually offer the best rate because of this. Some of these discounters have become partners with home insurers in order to offer the discount.
You could cut another 15% by installing protective devices. Some of these are really inexpensive, like deadbolts and fire extinguishers, and some are more elaborate, like central burglar alarms and fire alarms. In any case, these devices protect your property, and could possibly save your life. If doing the right thing to keep your home and family safe while saving money appeals to you, you should look into the protective device discount.
Some companies also offer discounts for other things that you may be able to take advantage of. For instance, people can get a break for being over 55, or for belonging to certain professional organizations. Discounts for public servants like teachers and firemen are common.
Some other things that insurers offer savings for are not so easy to do. Great credit or a lack of claims can help reduce rates, and those are goals to work towards, but not things you can change right away. New homes, or homes that have been renovated, will be considered safer.
If you have explored every way to cut your rates and still cannot afford the premium, consider raising your deductible. The difference in price between a $500 deductible and a $1500 deductible is considerable. But keep in mind, that if you do have to make a claim, you will have to pay that deductible amount before your insurance kicks in. If you do raise your deductible, try to use some of the cost savings to increase your savings or pay down credit card debt so you will have some cash when you need it.
Of course, you should always shop around. Companies do use different criteria for determining rates, and you may find a better break down the street!
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