Registration for the Health Insurance Marketplace starts Tuesday. The regional administrator for Arizona’s Medicaid program discusses the Marketplace, how it …
Registration for the Health Insurance Marketplace starts Tuesday. The regional administrator for Arizona’s Medicaid program discusses the Marketplace, how it …
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Subscribe: #carinsurance This is the complete guide to getting the best possible deal on car insurance. How do you buy auto insurance, and what are the best questions to ask so you get the best rate on car insurance? You came to the right place. From the Author of “How to Beat the Dealers Finance Office,” “Car Scam of the Decade,” and “13 Car Buying Mistakes,” these are the top ten tips for cheaper car insurance as presented by Kevin Hunter. Would you like to get cheap car insurance rates? Lower auto insurance premiums? From the author of “13 Car Buying Mistakes” Kevin Hunter comes this fantastic video. Do your homework and get multiple quotes. It’s your ticket to save you money on car insurance! #UsedCar #car #carbuying
According to Edmunds:
1. Get more than one rate quote before you commit.”Company prices are very different, and it pays to shop around. You can easily wind up paying double from one company to the next,” says J. Robert Hunter, director of insurance with the Consumer Federation of America, a national watchdog group.Want to get a sense of who the low-priced carriers are? The National Association of Insurance Commissioners offers a map on its Web site that lists each state’s regulators. Click on your state and you’re taken to the state’s Department of Insurance Web site. Its consumer buying guide compares insurance premiums across a range of companies. You’ll also learn how many complaints each company has logged. Surprisingly, you don’t have to sacrifice service quality to score a low premium. “A lot of the lower-priced companies have the best service rates,” says Hunter.There are a host of independent Web sites, like CarInsurance.com, that allow you to comparison-shop by offering online price quotes.
2. Evaluate insurance costs before you buy your vehicle.The year, make and model of your vehicle can have a profound impact on your insurance rate. All else being equal, new, expensive or sporty cars will cost more to insure than older, cheaper and more utilitarian vehicles. But you could find a substantial discrepancy even when comparing the cost to insure similar cars. So if you’ve got a few models on your shortlist, contact your carrier to see what rate each vehicle commands.
3. Go high on deductibles.If you’re willing to give a little with your deductible, you can wind up saving big on your rates. “If you go from a $250 to a $1,000 deductible, you can save between 25 and 40 percent on your policy,” says Hunter.
4. Nix collision and/or comprehensive coverage on older cars.If your older car has comp and collision coverage, you might find yourself paying more in insurance than the car is worth. “Take your comp and collision premium and add it up, then multiply it by 10. If your car is worth less than that, don’t buy the coverage,” says Hunter.
5. Mind your credit score. An increasing number of carriers are considering credit scores when making rate calculations. “Your credit score can be very important in determining your rate,” says Hunter. “You can wind up paying up to 50 percent more if you have a bad credit score.”
6. Ask about low-mileage discounts.Many carriers offer discounts to policyholders whose annual mileage is lower than the norm. Maybe you have a short commute. Or maybe your participation in the office vanpool results in fewer hours spent in your daily driver.
7. Ask about group insurance discounts. Oftentimes, insurance companies offer discounts to policyholders who are members of certain organizations or professions, such as veterans, engineers or teachers.
8. Ask about all other discounts. Some carriers offer discounts to policyholders whose vehicles bear certain safety features, like anti-theft devices or motorized seatbelts. Others give reduced rates to senior citizens, and to students whose grades meet certain requirements. “Many carriers offer discounts. Ask for them when you’re shopping,” says Hunter.
9. Avoid lapses in coverage. Even a brief lapse in coverage can disqualify you from receiving discounts. “They use lapses in coverage to increase your premium,” says Hunter. Pay your insurance bills on time.
10. Think twice about paying in installments.Most carriers charge an administration fee to pay in installments. One carrier surveyed levied a $10 charge per installment to those who opted to break up their bill. The solution? Pay your premium up front, if at all possible. Of course, this charge is more significant for those with small premiums.
If you’ve ever seen “The £26 a YEAR car insurance man – Martin Lewis” you’re going to enjoy this video. Also check out Chevy Dude, How to Spot a dealership scam when shopping for a new car or truck.
all right Kevin hunter Chris burnstead and Kyle Ferguson here at the broadcast desk North decisional news we're going to talk about how to get cheaper car insurance and let's kick it off number one don't assume that any company has the cheapest rate did you know that the the company with the cheapest rate for your neighbor could be the most expensive for you and that at any given time anywhere across the country the difference between the highest and lowest insurance policy for you is around eight hundred and sixty bucks and there's all kinds of independent sites to go out there to check out so that you can get multiple inch insurance quotes let's take a quick look at low-cost car insurance price com weakness all right so we're here on the website for low-cost car insurance price calm you can put in your zip code which we've done that we popped in the Kelso zip code so click on get a quote there are three companies here that pop up on this for that area progressive you see smart financial auto insurance also the zebra just be aware of that it doesn't necessarily have to be a place like Geico Allstate progressive etc and that is our tip number two don't ignore the local and regional insurance companies the big guys like Geico progressive State Farm and Allstate aren't necessarily the cheapest companies that are out there at Christian number three is what now we're getting into the stuff that I like here and that is the word discount Kevin yes discounts so what you want to do is when you're looking for your insurance is you want to look you know mention that you have stuff like a good driving record you also want to see if you can bundle your insurance the most families have more than one car we have like five and we only drive three of them so and you can put your homeowners and that car insured and several yeah that no one but yeah so bundle your insurance for multiple cars on the policy pay up front I don't personally ever do that because I you know but if you can it'll save me some money right yeah anti-theft system which you you want to make sure it's actually something like LoJack or one of the legitimate systems because there's a lot of bogus window edge systems that car dealers love the foot on cars that doesn't work you guys well I ain't nothing it's it's just another deterrent and you know as we're finding out some people believe deterrence work and other people who do not believe deterrence work the personal belief deterrence work in that we should fully fund deterrence but anyway are detergents or oh yeah I just want to bring up that if you do actually want to get those window at jeans you can actually get them on eBay or Craigslist for like twenty bucks instead of maybe two hundred or you may even spend north of five hundred a thousand bucks if you had a really nice ripoff you don't get that window let's talk about the window that you think for a second here real quick again you just break that window out in that window that she's gone and you know something that we're seeing an increase of and and there's a new documentary that went out last night we're seeing in a very large increase in automobile thefts so you know as many deterrence as you can get on your vehicles for sure and you will get a discount on your car insurance to correct number for Kyle is yours yeah you know what a bad deterrent is low credit score so basically what you can do is what I did I'm actually building credit as we speak which is crazy because I'm actually sitting right here basically if you want to increase your credit just go to your local credit union may be the one that you bank out may be a one you don't even bake at the more bakes you know more credit unions know the better basically go there and get a $500 loan put $500 in that count they take it automatically you're building credit wall just passively just you could be you can do that basically starting right from scratch good question and and you know all all growing up and you know from time I was 16 credit score was never involved in in the car insurance industry and I'm not I'm not understanding why it would be involved now or why it's even relevant actuaries in the business say that there is a indication of how accident-prone somebody might be etc based on its it's more to do with a sense of responsibility perhaps than anything else and they say it is it is associated in most states allow car insurance companies to use credit as a consideration I don't think they do I think it's a creates a barrier for people that don't have enough money but whether it's fair or not it is considered by a lot of insurance companies so be aware of that and take some actions to improve your credit as Kyle was mentioning so number five on our list is considered insurance cost when buying a car a lot of people are out car shopping and they're not aware that even vehicles in the same similar makes and models can have a really big difference in how much they cost for car insurance you take out Toyota Camry as an example will cost a hundred and eighty seven dollars more per year on average than be comparable Honda Accord and likewise a Toyota rav4 will cost two hundred dollars a year more than a Honda CRV so just be aware that the vehicle that you're shopping for we even seen situations where somebody comes in looking for a brand new Mustang or something like that well you can imagine how much the car insurance is and if you're thinking about what your monthly payment is and what you can afford and you didn't think about that car insurance it could be the car insurance that is the reason why you end up losing your vehicle so take karna surance into consideration when you're buying a car number six on the list is considered dropping the collision and comprehensive if your car is a older car basically a clunker both policies here's why because comprehensive and collision only cover up to the value of your car and if your car is you know maybe five hundred bucks or whatever thousand bucks which does a lot of those cars that are still in good running condition on the road but consider dropping collision and comprehensive on your clunker car because it'll save you some money on insurance and the policy really isn't giving you any benefit anyway so consider dropping that number 7 on our list of tips is considered a bigger deductible now some people say well if you have any well then this is gonna end up costing you more money well true but do you remember when you had your last car accident have you ever had one crisis few years back okay I've never had one have you had a car accident I wasn't driving yeah there was it driving okay but the point is is that the the chances of you having a car accident are actually relatively low and I'm not talking about committing financial suicide here I'm just saying that if you consider going from a five hundred to a thousand dollar deductible on your car insurance you can save two hundred dollars on your conscience and put a little money aside in case you end up do having an accident but the interesting part is is that's money that you get to keep when you don't have an accident also if you consider going from a thousand to two thousand and your deductible you can save three hundred and sixty dollars a year on your car insurance to the so you recover that money pretty darn fast and like I said I've actually not been any insurance collection car accident oh but you have been in an accident yeah okay but I'm just saying think about think of how much money by going with a larger deductible and just taking the difference in that cash and setting it apart think about how much money you can save in that's been 30 years since I was involved in an accident with somebody else's right as you mentioned but all right Chris number eight is what consider a plan based on personal usage I know a lot of people like me I don't drive a whole lot so you know a new thing that we're seeing now that the state in our area wants to do is a pay by all mile program so some of those are state programs some it's done there will be some state programs so I imagine you could probably check in to pay by a mile plan with your insurance company he could also do progressive snapshot well thank you a little bit on connects underneath the debt not happening anyway all straight driver wise State Farm Drive save and save I imagine programs that you can look at yep and these are actually all devices that plug into your the the same port underneath your dash where you'd plug a vehicle diagnostic thing to it so it just kind of tracks your your driving experiences and they roughly they put it on your vehicle for about 30 days and then you send it back in and they will and in each case that I've done this with different insurance companies they have actually dropped my insurance rate after getting the device back number nine is Yuka well let's say you're not driving safe right when you get in a car crash you know you need you need some gap insurance yes you need you might need gap insurance and you know what talk to your own insurance provider about gap insurance because while it costs $35 a year about through your own insurance provider this same policy if you wait and get it from your car dealer expect to pay 500 a thousand bucks easily for a gap and it's even heading north of a thousand bucks down these days so they see you coming and when you're not informed about gap insurance a lot of people aren't putting money down and taking long turns on their car loans and you better be thinking about gap but talk to your insurance provider it's way cheaper well number 10 on our list is be very cautious of anything that sounds like insurance in a car dealers finance office they'll have all kinds of things like disability insurance tire and wheel protection you know the insurance things go on and on and on and they'll make it sound like all you're trying to do is protect your investment you know you guys everything they're offering to you in the dealer finance office are all profit producing products just for the dealership themselves and as many a good finance man has told me you don't need anything from this guy the finest guys sitting there in the dealer finance office well that's gonna be a wrap here on our top ten tips on north as usual newsroom I'm back with other stories here in just a moment Kevin hunter Chris burnstead and Kyle torgus until next time take care you
A lot of folks do not know but the truth is, dental insurance is not really insurance. It’s a benefit. I will share a convenient tip with an unconventional name. To know how you can save money on regular dental visits, check this article
Finding a good dentist is not that hard but finding an awesome one is quite difficult. Find out more on this article:
If you have a young child or if you are a new parent, check these tips on finding a pediatric dentist that suits your child’s needs.
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Dr. Burhenne here of AsktheDentist.com So, today we're going to talk about how to keep your mouth healthy without having dental insurance. Not everyone in this country has dental insurance. Most patients, if they don't have dental insurance, don't come in to see me on a regular basis. They wait until there's a problem because they're afraid, "What is this going to cost?", and "I don't have insurance?" Don't let that be the limiting factor. And personally, I have seen many patients stay away from regular visits to the dentist, preventative care because they don't have insurance. So, I always tell them the same thing and I call this the "margarita fund". You can name it anything you want and I will explain where I got that name. But dental insurance really is not insurance. It's a benefit. Medical insurance, if you get into a car accident and you need, you know, hundreds of thousands of dollars on hospital visits and healthcare to get better, your insurance will cover that. In dentistry, after $1,500 of money, of insurance benefits spent, or $2,000, it depends, some plans only give you $900, with lots of stipulations, 50% of this and only 80% of this and high deductibles, that's not really insurance. If you get into a car accident and your teeth hit the steering wheel, you're going to need $40,000 to $60,000 worth of dental work and it's not covered. What I tell my patients, especially the patients that lose their dental insurance after they retire, they may get Medicare but they don't have dental insurance, I tell them to put aside $100 or $150 per patient, per family member, in the family, per month and that gives you basically the same benefits that your dental insurance company had, except that if you don't use the money, you get to keep it. Hence, the "margarita fund". You can go out to buy some margaritas, go out to dinner with loved ones and family. You can spend that money. But it allows you to have this notion or this thought that, "Okay, I've got the money put aside. Let me go in and get regular dental visits." And catch these things when they are small and inexpensive, or not have any problems at all except that the tartar is removed and you won't get gum disease. Again, it allows you to think that you can go see the dentist and prevent bigger problems from occurring, which in the end are more expensive, especially if you don't have dental insurance. So, put that money aside and work on not spending it so that you can spend it on margaritas or a great dinner out with your loved ones. Hope that helps. See you in the next video.
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