Keep track of your savings accounts with my savings accounts » Deductibles http://www.mysavingsaccounts.com Find the best savings rates on savings accounts Wed, 21 Dec 2011 15:24:03 +0000 http://wordpress.org/?v=2.8.4 en hourly 1 How To Save Money And Get Discount Homeowner’s Insurance http://www.mysavingsaccounts.com/howtosavemoney/how-to-save-money-and-get-discount-homeowners-insurance/ http://www.mysavingsaccounts.com/howtosavemoney/how-to-save-money-and-get-discount-homeowners-insurance/#comments Tue, 04 May 2010 14:11:08 +0000 admin http://www.mysavingsaccounts.com/savings/how-to-save-money-and-get-discount-homeowners-insurance/ If you live in Arizona and are looking to insure a home, there are several things you can do to get discounts on your homeowners insurance rate and save a few dollars.

1. First and foremost, make sure that youre shopping your insurance with companies licensed to do business in Arizona. If youre not sure if the company is licensed in the state, stop by the Arizona Department of Insurance website which contains a listing of all companies licensed in the state.

2. Bundle Your Coverages: Insurance companies like to write more than one line of your coverage. By placing more than one of your policies with an insurance company, you will receive a discount. The discount varies from company to company, so make sure to ask about it when shopping.

3. Quit Smoking: Insurance companies prefer non-smokers.

4. Protect Your Pool If you have a pool, make sure it is not easily accessible to a child who may inadvertently wander into your yard. If youre thinking of installing a pool, check with your insurance carrier first. Many companies do not like in ground pools with diving boards and may refuse to provide coverage. Those who are willing to provide coverage will charge a higher premium.

5. Deductibles: Get alternative quotes for different deductibles. The higher the deductible, the more of a savings in premium. Make sure that the premium savings is worth the increase deductible outlay.

6. What type of dog do you have?: Although you feel your pooch is a sweet family pet that wouldnt hurt a fly, insurance companies feel differently. They may charge more if you have certain breeds of dog. The breeds are usually larger dogs that carry a reputation, no matter how unwarranted the reputation is. Your sweet loveable Rottweiler may be the cause of an increase in your homeowners insurance rate.

7. Shop: Always shop around and get more than one insurance quote.

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]]> http://www.mysavingsaccounts.com/howtosavemoney/how-to-save-money-and-get-discount-homeowners-insurance/feed/ 0 Companies Move From Health Insurance To Health Savings Accounts http://www.mysavingsaccounts.com/savingsaccounts/companies-move-from-health-insurance-to-health-savings-accounts/ http://www.mysavingsaccounts.com/savingsaccounts/companies-move-from-health-insurance-to-health-savings-accounts/#comments Sun, 31 Jan 2010 10:29:30 +0000 admin http://www.mysavingsaccounts.com/savingsaccounts/companies-move-from-health-insurance-to-health-savings-accounts/ One of the largest issues facing the nation right now is the rising costs of health insurance. Many people can not afford to buy health insurance, because the premiums have been driven up to unimaginable heights over the last decade or so. Many companies are trying to help shoulder the burden of the large premiums by paying a certain percentage of the total cost every month for the employee. Many of these companies have tried to work around this problem in many ways.

Larger companies have tried to dodge the growing health insurance premiums by changing the requirements for employees to receive benefits. Many companies are making it harder for people to receive these benefits. Some companies are requiring the employee to work more hours per week than they used to have to work to receive benefits. Other companies are requiring that an employee work for the company for a longer period of time, before they are eligible for benefits.

Both of these approaches will save the company on health insurance costs, because they will not have to cover as many employees. However this is not the best approach for employees, because it makes it that much harder for them to obtain health insurance. Many other companies are trying to lower health insurance costs a different way.

I used to work for a company that had very inexpensive health insurance, and then supplemented it with a health savings account. The health insurance had very low premiums, but the deductible, and payouts for the health insurance were not very good. However the company would set their own deductibles, and co-pays, and then they would take money out of their health savings account to reimburse the employee the difference. This was a very good system, because they were not paying as much money out each month on premiums. They would only have to spend money from the health savings account when the employee actually needed it. Their goal was to eventually cut out the health insurance plan completely when the health savings account had grown large enough. At this time, the company would then save a considerable amount of money in premiums every month.

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