Cheap Insurance Secrets
Below is a MRR and PLR article in category Finance -> subcategory Insurance.
Secrets to Finding Cheap Insurance
Summary:
Discover how to secure affordable insurance by going beyond just collecting quotes. Learn insider tips to get the coverage you need at a price you can afford.Cheap Life Insurance
- Purchase Multiple Policies: Instead of a single large policy, consider buying two or three smaller ones with staggered terms. For example, one can cover until your children are independent, and another until you retire.
- Research the Company: Visit the National Association of Insurance Commissioners at [www.naic.org/cis](http://www.naic.org/cis) to investigate a company’s financial health and any complaints against them.
- Inquire About Rebates: Some states allow agents to rebate part of their commission. Check online or by phone, and remember you don’t have to be a resident of that state to purchase insurance there.
Cheap Auto Insurance
While you may have heard about getting multiple quotes and choosing high deductibles, here are some lesser-known tips:
- Opt for Legal Minimums: If you have few or no assets, get only the legal minimum for liability coverage. Companies may try to sell "company-recommended minimums," which aren't always necessary.
- Annual Policy Review: Evaluate your policies and obtain new quotes annually. If a ticket drops off your record, request a rate adjustment, as they don’t always do this automatically.
- Remove Kids from Policies: If your children attend college over 100 miles away, you can remove them from your policy to save money. However, they cannot drive the car when visiting home.
Other Cheap Insurance Secrets
- Health Insurance: If employer insurance isn't an option, join organizations like fraternal groups or the chamber of commerce for better group rates.
- Homeowners Insurance: Increase your deductible. Insurance should cover major incidents, not minor ones. Planning to pay the first $1,000 can save on your annual premium.
- Credit Life Insurance: Avoid these policies, which pay off loans if you die. Regular life insurance is usually a cheaper alternative for the same coverage.
Final Tips:
Regardless of the insurance type, always get multiple quotes, thoroughly understand each policy, and avoid paying for unnecessary extras. Inquire about any potential discounts. Being informed and asking questions is key to securing cheap insurance.You can find the original non-AI version of this article here: Cheap Insurance Secrets.
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