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Save money on life insurance
By Jeff Lakie
In some states and provinces, people are choosing to live without
insurance because the cost of insurance on an ongoing basis is
prohibitive, compared to the chance of dealing with high costs when
there is a break-in or an accident.
Here are some ways to save money on your life insurance:
¡¤ Buy the smallest amount of permanent insurance you possibly
can and create staggered term insurance for the rest of it.
¡¤ Shop around to find the lowest price.
¡¤ Get guaranteed renewable term insurance which is more
expensive upfront but as you get older, the insurance company
must renew your policy regardless of your health. If you
remain healthy for the rest of your life, as you hope you would,
this may not pay for itself. But if you do get sick this will be a
valuable feature to having your insurance.
¡¤ Stop smoking. Insurance companies offer great premiums to
people who have not smoke within 12 months.
Here are some ways to save money on your car insurance
¡¤ Shop around to find the lowest price. Sites on the web like
progressive.com post their prices.
¡¤ Raise your deductible.
¡¤ Some insurance companies will give you a discount for good
driving that you have to ask for it.
¡¤ Some insurance companies will give you a discount for having
an immobilizer installed. Ask them if they have such a discount
available.
Here are some ways to save money on your house insurance:
¡¤ Raise your deductible.
¡¤ Instead of getting mortgage-covering life insurance through
your bank as part of your mortgage, get life insurance
separately through your insurance broker to cover mortgage
payments. The payments will be much cheaper.
¡¤ See if your insurance company offers a discount for any kind
of alarm system. The amount of money you spend on an alarm
could be cheaper than the amount of money you'll save in
insurance, and the hassle will be a lot less when you keep
someone away.
Some insurance companies may offer you a discount if you buy more
than one insurance product from them, such as house insurance and
car insurance. Be sure to ask them when you're hunting around for an
insurance provider. These are simple ideas on ways to save money for
the various insurance products you need to have in your life.
About the Author
Jeff Lakie is the founder of Insurance Information a website providing information on Insurance
Article Source: http://www.simplysearch4it.com/article/13450.html
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