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1. AUTO INSURANCE

Auto insurance rates are based partially on the amount of miles driven each year, as well as the type of driving (pleasure, work, etc.). Consider alternative means of transportation when possible to lower this number and lower your premium.

Your deductible will greatly affect your premium. Raising your deductible will lower your car payment. A low deductible will raise your monthly premiums much higher.

All your cars should be bundled under one policy, to lower your premiums. This will result in considerable savings

2. HEALTH INSURANCE

Health insurance costs have skyrocketed in the last decade, making it highly advisable to get several quotes to insure you find the least expensive option for your needs. Your insurance needs will be bid on by carriers who want new business, so you can get the same coverage you have now at a lower price, or get more coverage for the same price you are now paying. No matter if you are shopping for cheap health insurance or expensive health insurance, shopping  for multiple quotes can save you huge amounts of money.

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Before you start, remember that home insurance does not usually cover flood insurance, so if you live in flood-prone areas, keep this in mind.

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Whether you are shopping for Term Life Insurance, Whole Life Insurance, Universal Life Insurance, or Variable Life Insurance, always be honest when filling out the forms. Failing to disclose information can result in your policy being revoked.

If your health gets better, you can reapply for better rates.

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When we are young, aging is not something we like to think about, although planning for the long term future is vitally important. One day all of us will need help bathing, eating, dressing, and other everyday tasks. Your kids may not be able to handle your long term car needs, either emotionally or financially. We will find you the lowest rates no matter if you plan on living at home or an assisted living community. InsureMe, our partner, has helped millions of people with their long term care insurance needs.

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