Keep track of your savings accounts with my savings accounts » Smokers 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 How To Save Money And Get Discount Health Insurance In http://www.mysavingsaccounts.com/howtosavemoney/how-to-save-money-and-get-discount-health-insurance-in-6/ http://www.mysavingsaccounts.com/howtosavemoney/how-to-save-money-and-get-discount-health-insurance-in-6/#comments Mon, 19 Apr 2010 21:44:59 +0000 admin http://www.mysavingsaccounts.com/savings/how-to-save-money-and-get-discount-health-insurance-in-6/ How To Save Money And Get Discount Health Insurance In New Jersey

Few people enjoy paying for health care. In fact, more than 50% of all people who have health care in New Jersey report that the cost of health care is a significant financial burden on their household. Health insurance has gotten so expensive that fully 17% of all New Jersey residents are without health insurance of any kind due primarily to cost.

So what can be done about the high cost of health insurance? Is it even possible to save money and get discount health insurance in New Jersey?

Well, actually there are a few things the average person can do to help bring the cost of health care insurance back in line.

If you have the opportunity to purchase group health insurance through your employer or through an association or organization that you belong to, you should seriously consider purchasing it. There are at least two reasons for this. First, group health insurance is almost always less expensive than individual health insurance and, secondly, group health insurance will often accept a person with a pre-existing condition that an individual policy will not.

So what are some of the things you can do to put together a health insurance policy that will save you the most money?

Start by getting all tobacco products out of your life. Smokers and people who use chew are going to pay more for health insurance. Period. By the way, never lie about your use of tobacco products in order to get insurance – your health provider will know instantly that you have lied and your insurance may refuse to pay for treatments you have already received.

If you are overweight you are going to pay more for health insurance. Losing weight is more difficult that quitting smoking for most people, yet being overweight is a prime reason that so many people pay through the nose for their health insurance. If you want to lower your cost of health insurance you need to lose at least some weight – losing even a little weight can bump you down into a lower weight category and that could save you hundreds of dollars each and every year.

Children under the age of 18 and some adults who meet certain income eligibility standards can qualify for low-cost or sometimes even no-cost health insurance through the state of New Jersey. Qualifying is easier than you think. To see if you or your children qualify for this health insurance please check out: http://www.njfamilycare.org/

How much of a co-payment can you afford? Many people are paying a 20% or 25% co-pay each time they visit a doctor. If you can afford to increase that co-pay to 50% you can lower the monthly cost of your health insurance by a substantial amount. This is a particularly good strategy for people who seldom see their doctor.

If you have other insurance policies, such as a homeowner’s policy or a life insurance policy it can pay you to get all of them from the same insurance company. This will earn you a Multi-Policy Discount.

If you’ve had a health insurance policy through the same insurance company for at least 5 years ask your agent if you qualify for a Long-Term Policy Discount.

How large of a deductible can you afford each year? Think carefully about this because you are going to have to come up with your deductible out of your own pocket every year before your insurance company will even begin to make any medical payments, but the larger your deductible the lower your monthly premium payment is going to be.

O.K., now put it all together. Create your low-price dream health insurance policy and then go online and find at least 3 different websites that will allow you to compare the price of your dream policy at several different insurance companies.

Don’t stop after making just one comparison. If you really want to find the absolute rock-bottom low price for health insurance in New Jersey you’re going to have to make your comparisons on at least 3 different websites.

Once you’ve done that then you can pick the lowest quote and feel confident that you have found the very best price and that you have truly saved money and gotten discount health insurance in New Jersey.

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]]> http://www.mysavingsaccounts.com/howtosavemoney/how-to-save-money-and-get-discount-health-insurance-in-6/feed/ 0 How To Save Money And Get Discount Health Insurance In http://www.mysavingsaccounts.com/howtosavemoney/how-to-save-money-and-get-discount-health-insurance-in/ http://www.mysavingsaccounts.com/howtosavemoney/how-to-save-money-and-get-discount-health-insurance-in/#comments Sat, 10 Apr 2010 19:25:49 +0000 admin http://www.mysavingsaccounts.com/savings/how-to-save-money-and-get-discount-health-insurance-in/ How To Save Money And Get Discount Health Insurance In Alabama

Health insurance is a big problem for most Americans, as you are probably aware. Even Alabamans who have group health insurance admit that for at least half of them their monthly premium is a severe strain on the family finances, and fully 16% of all residents of Alabama don’t have any health insurance at all due, primarily, to cost.

Obviously almost everyone here in Alabama is looking for ways to save money and get discount health insurance, and fortunately there are several things you can do, small changes you can make, that will help make health insurance more affordable.

Let’s start with kids. If you have children who are 18 or under and you can’t find a health care plan that will accept them or which you can afford there may be a solution. The state of Alabama has a program called AL-Kids which provides health care to young children at low or no-cost. In addition to AL-Kids, Alabama has several other insurance programs that cover college students, pregnant women and more.

For those people who do not qualify for any of the state-sponsored programs there are still several things you can do to lower your cost of health insurance.

Obviously group health insurance is less costly than individual health insurance. If your workplace does not offer group health insurance you still may have other alternatives. Check with any groups, clubs or organizations that you belong to – even church groups sometimes offer group health insurance. Talk to your friends about any groups, organizations or clubs they belong to which might offer group health insurance – there are a lot more of them around than you are probably aware of.

If you have a home-based business check with a health insurance agent to see if you could qualify for group health insurance. Sometimes it is possible even if your only employee is your spouse.

Don’t smoke or use any tobacco products. Smokers (and people who use chew) pay a lot more for health insurance than do non-tobacco users.

If you are overweight you are also going to pay more for your health insurance. The good news is, even if you can lose just a little weight you can sometimes drop down a rung on the insurance company’s weight chart and if that happens you could save hundreds of dollars each year on your insurance costs.

Don’t participate in dangerous or extreme sports or hobbies, and don’t drive a sporty, fast car.

How much of a co-payment can you afford to make each time you visit your doctor? You’ll have to think about this and be honest with yourself, but if you can afford a 50% co-pay then you will pay considerably less for your health coverage every month. If you see your doctor on an infrequent basis this could be an excellent way for you to save money on your health insurance.

Then there is your deductible. Again you have to consider this question carefully and you must be absolutely honest with yourself, but the more you can afford to pay each year out of your own pocket for your health care before you ask your insurance company to start kicking in, then the less you’ll pay each month in premiums.

Now get online and find at least 3 websites that are designed to let you compare prices for health insurance in Alabama from different insurance companies. Be sure to enter the same information into the forms on at least 3 different websites so that your comparisons are valid and you can be sure that you are seeing prices from as many different companies as possible.

When you’ve done that all you need to do is pick the best price and you’re done. You’ve now done about all you can to save money and get discount health insurance in Alabama.

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