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Insurance Tips

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

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...

"Pay as you Drive" Technology Enables New Car Insurance Discounts

Posted In:  insurance

Auto insurance companies like Progressive, Travelers, Allstate, The Hartford and GMAC are introducing new ways for drivers to save on auto insurance with onboard driver monitoring technology. While some groups express concerns over consumer privacy, good drivers are taking advantage of a way to save more money on their car insurance rates. These behaviorally focused, Pay As You Drive (PAYD) programs are gaining steam in many states.Read the rest...

Buying Individual Health Insurance

Posted In:  insurance

As new health care legislation hangs in the balance, thousands of Americans continue to go without health insurance. Worse yet, as companies continue to reduce jobs, people lose health care insurance benefits as well as the income necessary to purchase an individual policy.

What to do? If you’ve lost your insurance or your COBRA coverage is due to expire soon, it’s time to do your own shopping for individual health care coverage to compare prices and coverage options. Read the rest...

Use Caution when Saving on Car Insurance

Posted In:  insurance

Saving on car insurance involves many factors. It’s about a lot more than just picking the cheapest insurance company. You need to think about your personal situation and what is most important to you. Here are some strategies to consider that will help you find the most affordable policy.

Going After Quality

Believe it or not, getting the best quality insurance policy can save you money. Why? Because insurance companies with higher customer satisfaction rates actually pay claims instead of fighting you. If you could not afford to have your claim denied if your car was totaled in an accident or stolen, this is the way to go.  Read the rest...

How To Find Affordable Pet Insurance

Posted In:  insurance


Pet health insurance is becoming increasing popular with animal lovers who want to provide the best possible care for their pets. Responsible pet ownersunderstand their pets rely on human caregivers for survival. Pet parents must provide food, water and shelter for their animals as well as routine or preventative veterinary care. These costs are usually considered before an animal is brought home, however many people fail to plan for unexpected veterinary costs which can quickly become expensive should your pet require emergency treatment.Read the rest...

Your Credit and Your Insurance Rates - There Is A Connection

Posted In:  insurance


Understanding and keeping current on your credit score can save you money on insurance costs. Insurance is a necessity for most people to protect them in the event something unplanned occurs. Homeowners, auto, health and life are the most traditional insurance policies. Travel, pet and renters are also common policies held by consumers. Insurance has long been known as a way to protect investments but skyrocketing premiums are a continued concern for consumers. 
 Read the rest...

Lost Your Health Insurance? Don’t Panic


In 2008, approximately 15% of the population, according to the Census Board, was without any type of health insurance.  That represents approximately 46.3 million people.  Most people are insured through their employee programs.  Other providers are Medicare and Medicaid.  What happens if you lose your benefits?If you become seriously ill or disabled, chances are that you will invest your cash in your own welfare, and spend your money on hospital charges.  It happens.
 
If you have no insurance and need medical attention don’t be afraid to negotiate for a better price.  It sounds odd to be haggling with a health care provider but it is something you have to learn how to do if your insurance disappears.When looking for new health insurance because, your policy has run out, or you have been laid off, there are several places that specialize in helping people find affordable coverage:
 Read the rest...