03.24
11

How to get the best individual plan out there

by admin ·

Insuring one’s health has become a necessity these days, even if it’s not mandatory like auto insurance you can’t get adequate health services for a reasonable price without having and insurance plan. And for those who are self employed or working at companies where group plans are not offered, the only option is going with individual health plans. The main problem with individual plans, however, is that the premiums are much higher if compared to group plans. So it becomes really important to know how to shop around for individual health plans. One important thing to keep in mind is that despite the name “individual plan” with most individual health plans you can cover your spouse and kids too. However, it always pays to ask about this option first. It is even more important to ask about exclusions and how pre-existing conditions are covered, since some insurers won’t cover any costs connected to health problems that were before the plan was purchased. So male sure to learn all the details and evaluate your personal needs before doing any shopping.

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03.24
11

What about dental care?

by admin ·

It’s a sad fact but, despite the recession and the continuing high rate of unemployment, insurance companies have pushed up their premium rates. This is not simply to keep pace with inflation. In reality, the economy has shown very little sign of inflationary pressure. It appears to be a response to two quite different pressures. The first is the rising cost of medical care. For better or worse, doctors and the hospitals and clinics employing them, have all decided they want more of the cake. Indeed, there’s an increasing divide emerging between high- and low-cost hospitals with insurers trying to encourage their policyholders to use the lower cost facilities. The second is a desire to maintain, if not increase, the profitability of the insurance industry. As more people find insurance unaffordable and stop paying the premiums, the insurers have the same costs to divide up between a smaller number of policyholders. Insurance rates only fall if more people buy policies – hence the pressure to make payment for healthcare insurance mandatory. If all the young healthy people were forced to carry insurance, everyone would pay less.

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03.22
11

Types of Auto Insurance Quotes

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If you are looking for auto insurance it may not take long before you get confused and bogged down by legalese and terms. When you add all of the legal definitions to the fact that you don’t need every little coverage on your car insurance policy, it can get downright overwhelming! Auto insurance isn’t just about peace of mind however, it is also about meeting your requirements and keeping safe on the road. Here we will decipher some of that legalese for you, and help you understand exactly what you need for your insurance policy.

There are many different kinds of insurance coverages for your vehicle in the United States. Before you start seeking quotes however, it is always best to find out what kind of policy is the requirement for your state. All states in the U.S. require liability coverage, meaning it is illegal to drive on the road without this kind of insurance. Some other states require additional coverage, and some lenders that finance your vehicle will have their own requirements as well, so check your state and lender requirements before you seek auto insurance. Knowing what you do and do not need will always save you money when it comes to car insurance.

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03.22
11

Republicans Intent on Rolling Back Mandates

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Workers and others continue to protest in the tens of thousands in Wisconsin against Gov. Scott Walker’s budget-repair bill that would end the rights of state workers to collective bargaining. Following the investigative report that revealed a conspiracy orchestrated by state Republicans and billionaire businessmen who regularly throw their money into politics, the American public has come out in every state to rally against the anti-union efforts. This news has also rendered the argument that removing labor rights would cut the budget null and void. Analysts, both conservatives who are disgusted with the conspiracy-like political games and liberals, have said that these measures are part of a larger scheme across the country to make corporations more profitable at the cost of workers.

So how does this affect your auto insurance?

Wisconsin state Republicans are also voting for a rollback of state mandates that were passed in order to protect consumers from being overcharged, under-covered, and unfairly dropped by their insurance providers.

The 2009 Bill

The then Democrat-led state legislature voted to increase the minimum levels of coverage required for all registered Wisconsin drivers. The argument given was that the previous minimums were outdated-they hadn’t been updated since the 1980s-and that health care costs had shot up considerably since then, so crash victims were not adequately protected.

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03.21
11

Do You Need Collision Insurance?

by admin ·

If you are looking for ways to save money on your auto insurance, then you should know that you don’t need every kind of coverage available. Most states only require liability insurance, but if you are using a lender or financial institution to finance your car, then chances are you need collision coverage as well. Many people hear a lot of horror stories about how just days after driving their shiny new car off the lot, they are stuck in a horrible accident. There is nothing worse than finding yourself in such a predicament. Today we will talk about the importance of collision coverage when it comes to your auto insurance.

In laymen’s terms, collision insurance is the kind of insurance that protects you as the driver for any losses or injury sustained by you in a car collision. This kind of insurance typically comes into effect when you are at fault in an accident. If you are not at fault, then the other party’s liability insurance is going to cover your loss and damages. On the other hand, if you are at fault, and don’t have collision insurance, you will have to pay for all of the damages and losses yourself.

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03.21
11

4-Star Items, Car Insurance Quotes Savings

by admin ·

The name of the game is long-term savings. Sometimes you have to spend a bit up-front, but keep your eye on the ball and you will get your investment back 10-fold.

These 4 items will save you a ton over even a few years, but make sure your insurer will give you a discount. If they won’t, get some quotes and find an insurance provider who will!

Signal Mirrors

LED turn signals placed strategically on car mirrors have proven to reduce collisions. People don’t always notice your normal turn signals, but other drivers will have a better chance with flashing lights on your mirrors as well.

LED lights make for long-lasting energy efficiency, so you won’t be losing money on bulbs!

Sensors and Cameras

These aren’t just expensive options for your Lexus, Audi, and Mercedes. Cameras that let you see behind you and on your blindspots are surprisingly affordable add-ons for any vehicle. Not only do they make driving a whole lot safer-and parking a ton easier-they also save you lots of money on insurance.

Statistics now prove that these do indeed prevent accidents, so you can get a monetary reward for using them. Plus, as you build a better driving record, you will get even lower rates. Double bonus!

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03.21
11

Health Insurance Quotes Online Tips On Finding a Good Provider

by admin ·

Since a few years ago, major health insurance providers have been allowing consumers to buy policies online. Through the convenience of the internet, consumers are able to compare prices and coverage to find the best insurance policy for them. Before you sign up with a health insurance provider, you should consider price, company history, and coverage to make sure you find a good plan for your situation.

Identify Your Coverage Needs

Before you start gathering quotes for health insurance policies, identify how much coverage you will need. Start by looking over your past medical expenses for the last three years. Do you need a lot of coverage or do you rarely need to see a doctor?

Next, consider your future expected medical expenses. Are you looking to cover typical office visits through the year? Or do you want to protect yourself from a medical catastrophe? Based on these answers, pick the coverage plan that will meet your needs.

Compare Costs

If you want to make sure you are getting the best deal on health insurance, compare prices. Online insurance websites make this process easy. You enter your basic information online, and then get several quotes from different health insurance companies.

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03.20
11

Child health insurance program is two years old

by admin ·

This February 2011 has seen one of those milestones sneak quietly by without anyone really noticing. The Child Health Insurance Program Reauthorization Act (CHIRPA) has been out there for two years, helping an increasing number of children to gain access to essential health coverage. To celebrate this small landmark, the US Department of Health and Human Services has just released a report detailing the extent of the progress made. Let’s be clear. The criteria for every child to get access to the benefits has always been clearly defined, but many states have found reasons to exclude them. In 2010, more than 2 million eligible children were finally enrolled in Medicaid and CHIP. This is a direct result of the incentives introduced by CHIRPA which reward states for reducing red tape and meeting targets for enrolling children from low-income families. What makes this improvement by states all the more remarkable is that it has been achieved at a time of budget deficits. It is pleasing politicians continue to see the welfare of children as a top priority for government spending.

No Comments »Filed under: Auto Insurance · Business |
03.20
11

Why are auto insurance quotes rising so fast?

by admin ·

It’s remarkable how trusting some people can be. You ask them for help, you make friends with them even for a moment and, suddenly, they are prepared to do things for you. In the best cases, they are prepared to give you money. Life can be sweet for the people with honest faces and a good scam. Except, after a while, you run out of easy marks, so have to look around for a new set of victims. One of the next steps up the ladder is the photocopying paper invoice. It’s surprising how many small firms will just pay an invoice that comes in for routine consumables used around the office. No one thinks to count how many packs of paper they have or how many deliveries they took. If the invoice looks right, they pay. But then you could move higher up the fraud tree.

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03.20
11

Auto insurance quotes for mandatory liability coverage

by admin ·

Go back fifty years, America was very different. This was a country in which our lawmakers could confidently pass financial responsibility laws, knowing we would all accept the need. As the economy began its steady expansion after the end of the World War II, therer was the explosion in the number of vehicles on our roads. With technology still developing, suspension systems and brakes were primitive, so there were a rising number of accidents. States decided to mandate every driver to carry a minimum amount of insurance. Back then, almost all states were at-fault, i.e. they relied on the courts to apply the law of tort. Any driver found negligent would be responsible for paying the cost of all repairs and medical treatment. Since not everyone carried such large sums in their bank accounts, everyone carried liability insurance. That way there would always be some money available to pay whoever you injured by your bad driving. Even though some states have changed to no-fault insurance, the reasoning stays the same. Even though you are insuring yourself, it’s still better to have the money from the insurer than be forced to go even further into debt to pay for your own treatment and vehicle repairs.

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