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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Term or Permanent Life Insurance
One of the most common questions that life insurance shoppers have is about the best type of life insurance to purchase. The question basically boils down to term life insurance vs. whole life insurance vs. universal life insurance.
Well, the plan you choose depends upon your budget, your life insurance needs, and your expectations of a policy. Term life is a temporary contract with a time span from 1 year to 30 years. Whole life insurance will cover an insured person as long as the policy is paid for or paid up. For more information, see whole life insurance explained. Universal life, like whole life, is a permanent form of life insurance coverage, but was designed to combine savings with insurance coverage.
We would like to show you the best insurers in your local area so you can determine the cost and coverage of various types of life insurance. Find online life insurance quotes. That page will allow you to enter your zip code, and then see competitive insurers in your area which will offer online quotes.
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Best Tips To Save On Car Insurance
Let’s take a minute to post some real tested tips on saving money on car insurance. We all need to cut our bills down, and in today’s competitive insurance environment, this is a good time to see if we can’t start with car insurance!
- Drive Safely - It goes without saying that a clean driving history is tied to cheaper car insurance.
- Take an Approved Driving Course - They take a few hours, and some can be done on the internet. Most insurance companies will offer you a discount for brushing up on your driving skills every so often, and the tips could save your life!
- Raise Your Deductible - Rather than going without adequate coverage on the top end, consider raising your deductible by a few hundred dollars. Make sure you can afford to come up with some cash if you do have an accident, but the premium difference will probably cover the deductible increase in a few months.
- Combine Auto Insurance - Multi-policy discounts are common, and people who need to insure more than one car, or another kind of vehicle, or a home, may be able to take advantage of this discount.
And of course, the big tip is to compare insurance quotes! You need to compare insurers in your own local area so you can find the best car insurance for you!
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