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Insurance Tips

Save on auto insurance, home, health, and life...

How Health Insurance Reform Will Affect Your Health Care Costs

Health Care Reform, also known as the Affordable Care Act, will have a significant impact on how Americans receive health care services. It will also change the way many people finance their health care. In 2009, there was a lot of passion and a lot of misinformation on both sides of the political aisle. Therefore, it is important to know exactly what the facts are and how this bill will affect your health care decisions.Read the rest...

Three Health Insurance Options for College Students

Even when you are young and in good health, it is important that you have health insurance. But many young adults skip this important financial failsafe because they feel overwhelmed by the prospect of buying insurance coverage. Although it can be difficult to find the plan that is right for your individual situation, it is important that you take the time to do the research and find the right insurance coverage. Read the rest...

Planning for the Worst: Getting the Most out of Life Insurance

Posted In:  insurance

Insurance agents love to cite facts showing you get more than what you pay for when you buy whole life insurance. If that’s the case, why has whole life become so unpopular? If you pay $24,000, you get $50,000 back in coverage, doesn’t that mean you are getting back double your money? Well, yes and no. The truth is, you could do better by looking at your insurance a little differently.Read the rest...

Your Answers to These Six Questions Could Save You Money on Homeowners Insurance

Posted In:  insurance

It's been quite a while since SavingTools covered the subject of homeonwer's insurance. Back in November 2008, we told you how to get the most out of your home's insurance. But with the ever-increasing costs of homeowners insurance, we though you might want to know how to get it at a better price too. Just taking a look at your policy from the insurance company's perspective can help you understand the steps you can take to save money on your premiums.Read the rest...

Discount! Are You Getting These Savings on Your Auto Insurance?

Posted In:  insurance

Did you know you could be paying way too much for your auto insurance premiums? Auto insurance prices fluctuate between customers but the price can even fluctuate for one individual if you know how to get discounts on your premiums. Here are nine ways you may or may not have considered to start paying lower premiums today.
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Save on Your Auto Insurance by Skipping Options You Don't Need

Posted In:  insurance

No one is more irritated by a high car insurance bill than a safe driver. You drive the speed limit, always obey traffic rules and have never been in an accident, but you still have to look that big bill in the face every month. Even the best drivers can find ways to save even more on their car insurance, on top of discounts for being a good driver. By planning a head and using your savings wisely, you can save a bundle on that annoying bill. Here's how. 

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What to do if Your Health Insurance Claim is Denied

If your health insurance claim a surgery is denied, you need to challenge your insurer, rather than simply taking “No,” for an answer. That's because the majority of claims are “electronically adjudicated,” according to America's Health Insurance Plans research at AIHPresearch.com. Electronic adjudication means claims are processed electronically, with no manual intervention, using denial algorithms that look for ways to deny coverage.Read the rest...

How Much Will it Cost to Insure That New Car?

Posted In:  insurance  automotive

Trying to find out the price of insurance on that new vehicle you’ve just taken on a test drive is almost as difficult as finding out what an airplane ticket from LA to Chicago will cost. The same way a plane ticket has so many variables (date, time, nonstop or with layovers, business or coach, staying over a weekend or not), so does any vehicle’s insurance.

There are intangible reasons for the costs of a premium, such as the part of the country you reside in, your age and gender, as well as the statistics of the other drivers in your household. It also takes into consideration how many miles the vehicle is driven to work, how much mileage is put on it in a year’s time, the neighborhood it is parked in most often and whether it is garaged or not. Your credit rating and driving records, such as any accidents or how many claims you’ve filed in the past can also have an effect . Since these differ from person to person, you may pay more than your next door neighbor on an identical vehicle, if you’ve got a lead foot and don’t pay your bills on time.Read the rest...

12 Ways to Save Money on Car Insurance for Your Teen Driver

Posted In:  insurance

Teen drivers are four times more likely to get into an accident than older drivers, according to the Insurance Institute for Highway Safety (IIHS). This statistic is frightening not only because your teen could get hurt, but also because it means your auto insurance costs could as much as double when your teen starts driving.

Luckily, there are ways to insure your teenaged driver without going broke.  Read the rest...

How to Beat Back Monthly Insurance Payments

Posted In:  insurance

Insurance costs are a necessary evil. While we may never be happy to fork over the costs of our monthly insurance premiums on our house or cars, we certainly will jump for joy on the day we may actually need to file an insurance claim and count our blessing the policy is there for us. Insurance rates have certainly grown in the last few years. We can expect the amount to increase as well.Read the rest...