Cheap Insurance for Your Home, Automobile, Health, & Life: How to Save Thousands While Getting Good Coverage

Overview

By several measures, insurance for you, your family, your home, and your car continues to rise at the fastest rate in our history. In 2005 (the latest year data are available), total national health expenditures rose 7.9 percent - more than three times the rate of inflation. Nearly 50 million Americans are uninsured for healthcare. According to Insurance Information Institute projections, the average annual expenditure for auto insurance in 2006 was $851. Millions of drivers have no auto insurance. The average ...
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Cheap Insurance for Your Home, Automobile, Health & Life: How to Save Thousands While Getting Good Coverage

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Overview

By several measures, insurance for you, your family, your home, and your car continues to rise at the fastest rate in our history. In 2005 (the latest year data are available), total national health expenditures rose 7.9 percent - more than three times the rate of inflation. Nearly 50 million Americans are uninsured for healthcare. According to Insurance Information Institute projections, the average annual expenditure for auto insurance in 2006 was $851. Millions of drivers have no auto insurance. The average expenditure for homeowners insurance was $729, according to a February 2007 report by the National Association of Insurance Commissioners (NAIC). Insurance takes a huge bite out of the average American's monthly budget, and as stated above, many Americans simply forgo insurance because they consider it out of reach. Shopping for insurance requires more effort than many people want to devote to it. They simply grab the first price they come across or accept routine rate increases when it is important to compare not only the price but also coverage and exclusions among carriers. In this easy to read and comprehensive new book you will learn hundreds of ways to secure and or reduce your health, automobile, life, and home insurance costs. If you do not have or cannot afford insurance, we will show you how to get it at a price you can afford. The Internet and technology have opened up a great new way to search for low cost insurance services; we will give you the Web sites, tell you what to look for and to look out for. There is a great deal you can do right now to cut insurance costs. For example, did you know that installing a theft tracking device in your car can save you up to 35% on your auto insurance and that your credit history can dramatically affect your auto insurance premium. Recent studies have shown that more than 90% of insurers use credit information to create an ""insurance risk score,"" which they then use as a factor to determine your insurance rate. Add a simple home security system to monitor your home, and your insurance rates may be discounted up to 30%, depending upon where you live. Your insurance could end up costing you more if you choose to make monthly payments rather than pay the entire premium annually. Notify your agent if you retire, your children go to school, or you start working from home (when you're not traveling as much your rates will go down). Have you stopped smoking? Lost weight? Started exercising? All of these efforts can have a dramatic effect on your insurance rates. Insurance topics covered in this book are How Insurance Works, Insurance Company Rating, National and Local Firms, Auto, Health, and Disability Insurance, along with work sheets and forms to assist you in your search for the best coverage at the lowest price.
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Product Details

  • ISBN-13: 9781601380067
  • Publisher: Atlantic Publishing Group Inc.
  • Publication date: 1/12/2008
  • Pages: 288
  • Product dimensions: 6.00 (w) x 8.80 (h) x 0.80 (d)

Table of Contents


Introduction     7
Why do You Need Insurance?     13
Methods for Obtaining Cheap Insurance     35
How to Choose an Insurance Agent     43
Home Insurance     51
Home Insurance Discounts & Savings     59
Obtaining a Home Insurance Quote     65
Additional Coverages Available on Your Home Insurance Policy     69
Home Insurance & Excluded Natural Disasters     73
Home Insurance & Home Businesses     77
What to do When You Have Difficulty Obtaining Home Insurance     79
Automobile Insurance     81
State Automobile Insurance Requirements     99
Basic Automobile Insurance Policies     129
How to Shop for Cheap Auto Insurance     135
The Automobile Insurance Point System     139
Using Discounts to Save Money on Automobile Insurance     143
Being Aware of Surcharges     149
Automobile Insurance Fees     153
Automobile Insurance for High-Risk Drivers     159
What to do If You Cannot Obtain Automobile Insurance     165
Health Insurance     169
Types of Health Insurance Policies     173
Medicare & Medicaid Coverage     179
Managed CarePlans     187
Selecting an Employer-Sponsored Health Insurance Plan     195
Cobra - Keeping Your Health Insurance if You Lose Your Job     203
Health Insurance Benefits for the Self-Employed     207
Life Insurance     215
Types of Life Insurance Policies     219
Ways to Save Money on Life Insurance     233
Conclusion     239
Links to Your State Insurance Department Web Site     241
Glossary     247
Other Resources     275
Case Studies     277
Bibliography     285
Author Biography     286
Index     287
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Sort by: Showing all of 9 Customer Reviews
  • Posted June 16, 2009

    more from this reviewer

    Get the Coverage You Need at the Best Price

    As someone who generally has more optimism than cash, I really hate shopping for insurance. Paying good money to guard against the potential for some unforeseen disaster just irritates me, which is why I tend to be a bit lazy in comparison shopping for the best coverage. Luckily, "Cheap Insurance for Your Home, Automobile, Health, & Life" offers several tips which make this unpleasant task much easier.

    According to the authors, the most important aspect of saving money on your insurance costs is to understand how policies are written and what factors are used to determine your rates. Obviously, there's not much you can do about your gender, previous medical history, or whether or not your house happens to be located near the local fire station. However, knowing that installing sprinklers in your home can lower your homeowner's insurance or that changing where you park your car at night can save you a few bucks on your auto insurance premiums is definitely useful information.

    While tech savvy individuals probably think the Internet is the best resource for comparing insurance policies, "Cheap Insurance for Your Home, Automobile, Health, & Life" points out that you might get a better deal by enlisting the services of an independent agent or taking the time to contact multiple agencies on your own. As for the process of choosing an insurance agent, they offer a handy checklist of factors to consider, so you'll feel confident your needs will be taken care of in the event you need to make a claim on your policy.

    Overall, "Cheap Insurance for Your Home, Automobile, Health, & Life" is a very user-friendly guide to a slightly dry topic. The book is nicely organized, so you can quickly flip to the section you need or skip over the parts that don't apply to your life. Follow the tips carefully and you'll probably manage to shave a couple hundred bucks off your annual premiums, so it's well worth the price.

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  • Anonymous

    Posted May 8, 2009

    An easy-to-understand guide on why we all need insurance . and how to get it for a reasonable price

    Like too many twenty-somethings in our culture (and maybe even thirty-somethings and beyond), I've hardly given thought to insurance. Since I don't own a car or a house, am healthy and employed with basic health care, and not old enough to worry about term life, it didn't seem like any of it pertained to me. Boy, was I wrong.

    After reading Carla and Lee Rowley's "Cheap Insurance for Your Home, Automobile, Health and Life," I learned how naïve I was. The authors offer a plethora of useful advice even someone like me needs to know, such as mitigating risk and why it's vital to be insured. This book is a great learning tool to prepare me for the next stage of my life, arming me with important information on home insurance options, automobile insurance requirements and policies, the types of health insurance available, and how to plan for managed care, among additional related and helpful topics. Best of all, the authors' advice on comparison shopping really hits the mark for our present economy.

    After reading this book, I felt better informed and more able to make an educated choice on the various insurances I've learned I so badly need. This is a bible for anyone without previous experience in these areas and a resource for those who need a brush-up on specifics.

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  • Anonymous

    Posted July 21, 2008

    A Must Read For Anyone Who Needs Insurance

    Everyday people face serious risks such as automobile accidents, damage or complete destruction of their home, and even death from an illness or accident. Because of these risks, it is important to protect yourself from years of financial agony and devastation. Cheap Insurance For your Home, Automobile, Health & Life provides you with the insight to understand how insurance rates are calculated, the importance of homeowners and renters insurance, how to take advantage of premium reductions such as Multiple Line or Vehicle Safety, and when to make a switch to another insurance company to avoid cancellation fees. In this informative book you will discover how your driving record and credit score affect your automobile insurance, how to determine whether or not you are adequately covered, and how to obtain high risk insurance if you are considered uninsurable. Cheap Insurance For Your Home, Automobile, Health & Life details the types of health insurance available for individuals, families, self employed, government funded insurance, and extra insurance such as: accidental death or dismemberment or specific disease insurance. It also explores the difference between whole life insurance versus term life insurance, including information on policies that can build cash value such as universal life policies. Cheap Insurance for your Home, Automobile, Health and Life is very informative, offers you several ways to save on insurance premiums, and provides you with the confidence to ask the right questions to get the rates you deserve.

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  • Anonymous

    Posted May 30, 2008

    Insurance! No longer Mysterious!

    Cheap Insurance, by Carla & Lee Rowley, is a terrific book! It has full,comprehensive explanations for a complicated subject matter,but it breaks information down so that it¿s easy to understand. The book gives scenarios and examples of insurance situations, gives tips and overviews, and teaches you about necessary and unnecessary coverage. The book is most helpful in providing a basis in which you can make informed comparisons, and understand your insurance company¿s obligations, and method of assessing your risk factors. Especially helpful is the books¿ state -by- state auto insurance comparisons, which outline the state¿s auto and personal liability coverage requirements. Also, the online links provided, give you the option of further comparison shopping, and a place to do further study. I found myself flipping back to take advantage of the insurance glossary, for an explanation of the terms & vocabulary. This is a great book to read before you sign on the dotted line of any insurance contract.

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  • Anonymous

    Posted May 6, 2008

    A reviewer

    This is a must read for every adult or college student. I¿m 28, and no one has ever explained to me about all the different insurance policies and how important having insurance is. The book was easy to read and I found it was also easy to understand. There are so many aspects concerning insurance that this book deals with. One point that I found very interesting was how most home policies do no cover a home business. I thought home insurance covers everything in your home, but it doesn¿t. After reading this I learned what discounts I can get, how to check to make sure that the coverage I¿m paying for will actually cover me in a real crisis, and how to shop for the right policy. We always think, it can¿t happen to me, unfortunately bad things can happen and you should be prepared. This book would make for a perfect class, and I think everyone should read it. This book tells you everything you need to know and gives you the tools you need to take care of yourself and your family in an emergency. I feel better knowing that I can go to an agent and make sure they aren¿t screwing me over, by knowing all the facts beforehand.

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  • Anonymous

    Posted April 30, 2008

    Finally, an insurance guide we can all use!

    This is a terrific all-in-one resource for buying and managing personal insurance. It¿s clearly written, easy to read, and is a wealth of information. I thought I knew a lot about insurance already, but I definitely picked up some valuable tips from this book. This book provides the reader with a thorough explanation of different types of insurance (car, homeowner¿s, health, and life), with a concise breakdown of different options within each type. There are clear examples on real-life cases that helped me understand that the cheapest policy isn¿t always the best. I also now know what discounts to ask for and how to shop more effectively for insurance. What was most valuable to me, personally, was the section on health insurance. With an aging parent, I have to deal with Medicare and Medicaid, and this book helped me understand those services better. The appendixes in the back of the book are also excellent resources that I will keep to refer back to. I would recommend this book to anyone who wants a handy all-in-one guide.

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  • Anonymous

    Posted April 28, 2008

    All the Insurance Basics

    Forays into the complex world of insurance can be baffling and intimidating for the under-informed, and anyone seeking to get coverage without doing their homework can be in for trouble. In ¿Cheap Insurance For Your Home, Automobile and Life,¿ authors Carla and Lee Rowley tackle the imposing task of explaining this complicated world and showing readers how to keep the upper hand from the minute they start looking for policies. With easy-to-understand explanations, this book takes on homeowners¿ insurance, automobile insurance, health insurance and life insurance. Each chapter is full of tips and little-known facts (students with good grades may be eligible for car insurance discounts old plumbing may disqualify your house from coverage) as well as advice on avoiding surcharges and how to use the Internet and independent agents to find the best deal. Perhaps the most useful aspect is the detailed information on how insurance policies are structured and how people in the business think. Chapter by chapter, ¿Cheap Insurance For Your Home, Automobile and Life¿ assures that its readers will never be caught off guard in their agent¿s office.

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  • Anonymous

    Posted April 24, 2008

    Cheap Insurance

    ¿Cheap Insurance for Your Home, Automobile, Health and Life¿ by Carla and Lee Rowley is an excellent resource for anyone. This comprehensive book is written in an easily understandable tone in such a way as to demystify the insurance process. Carla and Lee Rowley start by explaining why you need insurance and go on to tell how to choose an Agent. They fully explain the each type of insurance and additional coverages that may be available. This book includes Home insurance and how that may affect your Home Business. They further go on to explain automobile insurance and list state-by state requirements. This book also contains a very helpful section on Health Insurance, both Employee sponsored and health insurance for the self- employed. ¿Cheap Insurance¿ ends with a detailed chapter on Life Insurance. The back of this book contains useful links and case studies. I found this book to be well written and easy for the non-insurance person to read. The Information in this book will be an invaluable resource to individuals and families alike. I would highly recommend that this book be added to any home reference collection.

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  • Anonymous

    Posted April 29, 2008

    Cheap? Really?

    Despite a misleading title 'no insurance is cheap!', this book discusses the most important types of insurance and available discount suggestions in thorough, easy-to-comprehend language. Using a solid, well-outlined approach, the authors have produced a manual that would make a perfect gift for a young person entering the world of adult decisions as well as a handy guide for people of any age. As we go through life, our needs change--and, as the authors point out, our insurance coverage needs change as well. Therefore, this book is a strong introduction to the aspects of startup insurance-shopping as well as a continuing-education reference tool for those already insured. One of the book¿s better features, a state-by-state listing of vehicular insurance requirements, is found in Chapter 12. The information is presented in paragraph form that might have been neatly complemented with a table for quick and easy visual comparison, but is nonetheless helpful as shown. Just as vehicle insurance costs vary from state to state, so do the requirements, and this is just one of the areas to research when contemplating a potential relocation for one¿s home or business. Along with describing and detailing various forms of insurance, the authors make a conscientious effort to anticipate the many ¿pitfalls¿ awaiting people who have little or no insurance knowledge. In the case of a flooded basement, for example, even the best flood insurance will not cover water damage that was caused by a drain backup to the layman, a flood is a flood is a flood--but insurance companies do not agree. The time to know this, of course, is when the basement¿s still dry! Anyone who has not studied insurance or been well-advised by a qualified insurance agent would do well to read this book, and even take it along while insurance shopping. No insurance is truly inexpensive, but Cheap Insurance shows the way to successfully insure yourself while ensuring that you buy the best policy for your specific needs.

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