With the new year at hand, now is the time to evaluate your monthly expenses and reduce or eliminate as many as possible. One area that is easy to adjust is insurance. There is no excuse for not shopping around for the best deals, especially since you can get auto insurance quotes online without even leaving home. Pairing your auto insurance with your homeowners or renters insurance usually adds up to major savings, as does maintaining a good driving record.
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While we are on the topic of insurance, I would like to discuss another type of insurance that I believe is necessary. Life insurance is there just in case you need it. Of course no one wants to think the unthinkable, but if you or your spouse dies or becomes permanently handicapped it will drastically change the lives of your family.
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One of the major expenses for the self-employed is health insurance. There are many major insurance companies that offer group plans for self-employed customers. Before purchasing child insurance, I suggest looking into state sponsored health plans. The state we live in offers health care for any child living in your household under the age of 19 for no charge. There are no premiums, no deductibles, and no co-pay. Dental is also covered, as well as vision.
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With funeral costs averaging over $6500, it's no wonder funeral expenses are now the third largest expenditure for most families, after only their home and car purchases. Add to the actual burial expense any unpaid bills of the deceased, such as credit card debt, home loans, car loans, and any other household bills and it becomes very clear how important funeral insurance is.
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The new year is a good time to evaluate finances, insurance coverage, and all banking and stock accounts. Another year has passed and let's face it - we aren't getting any younger. If you don't have a good life insurance policy, take a few minutes and get some life insurance quotes online. This may also be a good time to establish or update your will or living trust. It's not morbid, it's a fact of life. You owe it to your loved ones to have everything in place if anything should happen to you.
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All those years of women enduring the teasing about their slow, cautious driving have finally paid off. Many car insurance companies are now offering Womens Car Insurance with lower rates for female drivers. Research shows that 80% of women can save by signing up for one of these plans, and they can save hundreds of dollars.
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Whether you rent or own your place, house insurance is a necessity. Most mortgage companies require a home owner's insurance policy be in place before the house closing. Banks know how important it is to insure your dwelling as well as your belongings in the event of theft or natural disaster.
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As predicted, when I took my son to the doctor this morning for his yearly exam, they still have the wrong insurance listed in their system. A few weeks back, I went through the same thing with my daughter, and this all should have been straightened out back in March when we switched the children's insurance. I have faxed the necessary information to two different offices twice now, and all the lady on the phone could tell me was that there may be a delay of up to six months before it is off the system. Why??? Everything is computerized. Just go to my kid's account number and take off the old insurance and replace it with the new one. Is that so hard?? Apparently so.
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