March 31, 2015


Very Cheap Auto Insurance -Tips That Guarantee Affordable Car Insurance Rates Get proven tips that will help you save up to 50% on all your policies.
There are a lot of factors you have to take into consideration if you plan to attract very cheap auto insurance rates. Here are some of them…

1. Good drivers get a special discount known as the good driver discount. If you have stayed claims-free for more than three years, you are entitled to this discount.

What if your insurer refuses to give you this discount?

Then tell them you will move over to another insurer. Any driver with a history as good as yours shouldn’t have any problems getting much lower rates — You are every insurer’s dream.

The mere threat of leaving should make them shift grounds. But if they don’t, look for another insurer.

2. Where you leave is also very important if you want to get more affordable rates. That’s why insurers will always ask for your zip code.

Accidents are far more likely in densely populated cities than rural areas. The same also applies to things like break ins and vandalism.

Different areas in the same city also have different risk threats: Car theft rate (especially for your particular vehicle), crash rate and so on.

Therefore, check things like these if you are shopping for a new home

3. Go for the minimum bodily injury liability coverage stipulated by your state’s law if you want to get very cheap auto insurance rates. However, in addition, get an umbrella policy.

An umbrella policy gives you far more liability coverage per dollar spent than even the most extensive liability coverage within an auto insurance policy. An example will buttress this point…

Let’s assume that a man of about 35 years (who lives in New York City) wants to increase his policy’s bodily injury liability coverage of ,000/,000 to 0,000/0,000…

He’ll have to spend about 0 extra in premium.

But compare this to the fact that he could get a million umbrella policy for just less than 0.

It even gets better…

If he chooses to raise the coverage amount of his umbrella policy to million dollars, he’ll only have to pay only more.

That’s 5 for million worth of liability coverage!

See? That’s superior coverage at a much cheaper rate — That’s the advantage in adding an umbrella policy instead.

But why should you care about bodily in an auto insurance policy?

People get hurt in accidents. And you will be responsible for the claims awarded if you are found to be at fault. Claims awarded could get into the million dollar range and above in certain cases

And did you know that lawyers can go after your assets if you don’t have enough liability coverage to take care of claims awarded against you? This means you could easily lose your life savings and even your home if you don’t have the right protection.

But that’s NOT all about the benefits associated with an umbrella policy…

…You also get liability coverage that extends beyond automobile related liability claims. An umbrella policy extends to your home and much more

4. Belonging to certain professions attracts a discount. An engineer, for example, attracts much cheaper car insurance rates than an engineer. The reason for such discounts is that some professions have been proven to be better risks

Your agent is in a good position to tell you if your occupation is eligible for certain discounts. Nevertheless, the discount you’ll be given varies from company to company

5. Maintaining more than one policy with the same carrier also attracts remarkable savings. All you must do to qualify for this is to purchase your auto insurance policy from the same insurance carrier who is underwriting, say, your home insurance.

However, take note of the following…

Because an insurance provider gave you cheap rates for one policy doesn’t mean they will for another. Do some research with quotes sites and then discuss with your agent. Thereafter, you’ll be sure as you make your choice because you’ll then know which is more beneficial

Get and compare cheap rate quotes from many top insurers in a few minutes at Also get more time-tested tips there

Understanding Why Medicare Supplemental Insurance Is So Beneficial

There are a lot of older people who are now finding that they need to have a way to pay for a variety of costly medical treatments. From special therapy treatments to surgical procedures, these costs are often quite high and can go well beyond any health insurance coverage that they already have in place. Even if they have a simple insurance plan in place through Medicare, it is only a plan that will cover up to 80% of whatever the complete amount is.

medicare plan f coverageWhenever there is a costly procedure lined up, that 20% can mean a whole lot of money to have to pay out of pocket. If you do not have the overage, then you are not going to be able to get the treatment that you need. Once borrowed, you will have to pay the money back and you could be subject to fees especially if you try to take out a loan. Instead of worrying about where that extra 20% is going to come from, you have the ability to sign up for Medicare supplemental insurance to help you get the coverage that you need. In the end, you will be able to have your costs brought right down to zero and you will have the treatment that you need.

Medicare Supplemental Insurance Plans

The plans for Medicare supplemental insurance are known as Medigap. There are ten plans in all with Medicare plan f being the most comprehensive.  These plans that are available at your local insurance companies and are looked upon as an add on to your main health plan. As you age, you will want to take Medicare supplemental insurance seriously as this is a way to help take care of any extra expenses that you may incur on procedures once you are over the age of 65.

Whatever your medical care needs may be, you have the ability to pick from one of the different Medigap plans. You can find out more about these supplemental insurance plans simply by contacting your local insurance agent or by looking for further information online.

Life Insurance for the Over 70’s Crowd

Although some people may think that they are too old for a life insurance policy once they hit 70 years or age this is really not the case. 

life insurance for senior citizensPeople in the United States and the rest of the western world are living longer and longer – 70 used to be the new 60, for many people it is now the new 50! People are living longer and enjoying good health for many more years than just a few short years ago, which is why it is not unusual for someone in their 70’s to have a life insurance policy.

It is important to have adequate life insurance coverage in your 70’s and beyond for a number of different reasons depending upon individual circumstances. Many people take out this type of life insurance policy to be sure that their loved ones won’t have to worry about paying for funeral expenses once they have passed away. This can be a great source of comfort for people as they approach their old age – life insurance for many is still just as important in their 70’s than it was during their 30’s, 40’s, 50’s or 60’s.

Once you reach 70 years of age your health history will have a lot of impact on the type of life insurance cover you can get. If you are relatively healthy, are a non-smoker and lead a fairly active lifestyle then affordable life insurance premiums are definitely possible.

Some people in their 70’s also think about taking out a life insurance policy so that they will be able to leave something behind for their loved ones – this becomes increasingly important to many as they get older.

Managing Your Money: The Key to Wealth

money-managementThe key to financial prosperity is simply good money management. Instead of living day to day, money management allows you the luxury of relaxing and not having to stress in cases of unexpected events and emergencies.  Money management helps whether your goal is to save enough to cover six months of expenses as financial advisors recommend, or you are trying to pay off debts. With good money management you can even do both simultaneously.

The first step to effectively manage your money is to create a budget. Outline your income and your expenses and prioritise your purchases. Make a record of all purchases, regardless of how trivial. Knowing what you spend your money on helps you understand how you can spend your money more wisely.  Remember to make your budget realistic and be honest with yourself. Budget your debts, savings and money for fun.

Money can also be better spent when you borrow or rent items instead of purchasing. Movies, textbooks, tools and equipment can often be rented or bought used instead of purchasing them new. For example college students may considering buying e-books or used textbooks online or borrowing from libraries to minimize spending.  Weigh the cost and convenience of purchasing these items against the cost and convenience of borrowing or renting based on how frequently you use these items.

Be conservative with credit cards. Instead of falling into the trap that credit cards set by giving you the illusion of unlimited spending, treat your credit cards like cash and spend within your earnings. There are no prizes for reaching the limit on your credit card each month. Low credit utilization is an important part of handling credit cards. This means that the debt you incur by using those cards is only a small portion of the limit on those cards. Except in emergencies, spend only the money you have and not potential earnings.

The best tip is saving your money. You may feel like you can’t pay off debt and save at the same time but in truth that is the most logical thing to do. If not, eliminating your debt may be redundant if immediately after you find yourself in an emergency which you have to borrow money to handle. Have a bank account that you do not touch and create an automatic transfer of a portion of your income monthly. Financial advisors refer to this as “paying yourself first,” the idea being that saving is easier if the money never passes through your hands.  Surpluses in your income don’t always signal time for a shopping spree, remember to also put away a portion of the extra money where it can be afforded.

Take advantage of technology for example free apps that help you budget or track your spending, using spreadsheets to outline your budget. Seek lower interest rates and shop around for better deals before you fork out your money. Once you begin paying attention to how you handle your money you’ll be amazed at easy it is to get more bang for your buck.