Insure Smart, Pay Less: A Blog for Affordable and Effective Coverage
In addition, we can help you save money by helping you enroll in a quality health insurance plan through the Health Insurance Marketplace. This is especially important if you’ve had a qualifying event, such as having a baby or moving to a new county, that triggers a Special Enrollment Period (SEP).
Getting a quote is the first step in finding a policy that fits your budget. Using a comparison tool or working with an insurance agent or broker will help you submit all of the necessary information to get an accurate price quote. Be sure that you provide accurate and complete information as this will influence the final policy you get.
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It’s important to shop around because prices can
vary significantly from carrier to carrier. Some companies may also offer lower
premiums for certain driver characteristics, such as a clean driving record or
having a home with a security system. Keeping up to date on your coverage can
save you money too, especially if you change your life circumstances. Make a
habit of reviewing your policy and providing an updated deductible, items
insured and payment schedule with your insurer at least once per year.
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Insurance is a complicated business that can be
difficult to navigate. Thankfully, there are ways to make it easier to manage.
Some tips for saving on your insurance include bundling policies to reduce the
number of bills you pay, taking a defensive driving course or even simply
completing your entire application online to save time and money.
While these are simple changes, they can have a
significant impact on your premium. A recent CR survey found that 30 percent of
auto insurance policyholders switched carriers in the past five years, and
those who did saved a median of $461 annually.
Other ways to save on car insurance include
reducing coverages on older vehicles and adding safety features to newer ones.
Many insurers also reward low-mileage drivers with a discount, so be sure to
let your insurer know if you have a job that requires you to drive less or you
are retired and not using your vehicle as much.
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Finally, paying your premium in full can be a big help in lowering your insurance rate as many companies will provide a discounted rate for doing so. While it may seem like a hassle to remember to pay your premium each month, the savings can be well worth it in the long run.
While you can’t haggle over base rates the way you
might when buying a car, you can often save money on insurance by making
strategic policy changes, qualifying for discounts and using specific phone
strategies. For example, mentioning specific lower rates from competitors can
create urgency for your agent to match or beat them to retain your business,
and it helps prevent you from being talked into inappropriate coverage to save
on premiums.
Discounts vary by insurer and affiliation, but if
you have the opportunity to take advantage of them, don’t be afraid to ask!
Affiliation-based discounts, like good student, military, alumni association
and Costco memberships, can save you between 5-15% on your auto insurance.
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When shopping for home or auto insurance, always
ask for a quote with and without all available discounts. A company that offers
few discounts may still offer a better overall price than another with many
discounts, so it’s important to make sure you have everything covered.
Some insurance companies also offer loyalty rewards
programs, which reward drivers for having a clean driving record or keeping
your home or auto policies with the same provider. These are great incentives
for young drivers who want to build a solid driving history, and they can help
them save up to 10 percent on their premiums over time.
It’s important to remember that insurance is
designed to help you pay for the unexpected, not to cover routine expenses.
While it may be tempting to file small claims, doing so will only increase your
risk and lead to higher premiums over time.
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When you’re shopping for health insurance, consider
a plan with a high deductible to save on your monthly premiums. While this can
mean paying more out of pocket before your coverage kicks in, it can often be
more cost-effective for those who regularly visit the doctor or have
prescriptions. HealthBird’s team of trusted agents and AI can help you
determine whether a high-deductible plan makes sense for your unique situation.
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