Low Cost Insurance: Benefits To the Consumer

By Kimberly Kochera

Today, there are different types of insurance that will cover just about every area of your life. These different policies protect everything from our health and home to our cars, boats and our safety. The difficulty lies in being able to afford the different kinds of coverage that are available. Fortunately, there are many kinds of low cost insurance that you can buy.

Short term health insurance is the lowest priced health insurance that healthy people can purchase. You can choose the doctor or hospital of your choice without having to search through long lists or directories. The policies are good for six months, and you can reapply for longer periods of coverage. You can reapply as many times as you want to. This insurance policy will take care of your doctor visits, laboratory tests, mammography, hospital expenses and pap tests. They will, also give you a discount prescription drug card free of charge.

Low cost car insurance is now available for low income people in the state of California. The purpose of this insurance is to help people buy state required insurance for their cars. This insurance policy came into effect in order to assist California drivers who can't afford to purchase insurance on their vehicles. One of the stipulations a driver will need to attain for the last three years is, the driver must have an excellent driving record.

Across our nation, many states are offering either free or low cost health insurance to children from birth to the age of'. Parents who are doing their absolute best to ensure their children stay healthy, but don't have a lot of money for their health needs are being tremendously helped. This becomes even more critical if a child should develop a terminal or long term illness. When medical costs soar, most parents can't afford to purchase them.

The consumer can purchase a low cost homeowners insurance policy by being conscientious and taking a few important steps before they purchase it. These things will make your policy more affordable.

If you smoke, stop. Have a good credit score. Purchase a home in an area that is low crime and low natural disaster. Make sure it is close to a police department and fire station. Install special safety features in your home, and build with fireproof materials wherever you can.

If you drive safely and follow all of the traffic rules you can make your car insurance become low cost. At all costs prevent accidents, and never drink and drive. Don't pick out a car to drive that your state labels as one of the top 10 stolen vehicles. Drive an older model that is a four door sedan. Carpool with coworkers, drive less, and use public transportation. Ask for a higher deductible and only purchase the coverage you need.

Ask your insurance broker what you can do to lower your policy premium if you can't find insurance for your needs at a reasonable price. Ask your agent to give you all the information about available discounts and see if you qualify for any of them. With some conscientious effort and a little bit of investigation on your part, you can turn your current insurance into low cost insurance.

About the Author:

0 comments:

Post a Comment

top