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Insider Insurance School

Welcome to your mini insurance school lesson on insider insurance tips! Don’t worry, if you have trouble reading a full article on any insurance subject or if your insurance agent is not your best friend, these insurance school quick tips will get you enough insurance knowledge to make you look like you know what you are talking about… and I bet you will learn a thing or two! Of course, going more in depth with your insurance knowledge is best so let this mini insurance school lesson be a springboard for you to eventually dig into more insurance information!

The Insurance Deductible is Your Best Savings ToolYou don’t want to make a claim anyhow on an amount you can afford, so raise your deductibles to the top amount you would be willing to pay out of pocket before your insurance kicks in. Raising your deductibles can save you a lot of money so it is worth checking into.
Late on That Insurance Payment? Your Grace Period Can Save YouJust because you forgot to pay your insurance bill on time does not mean it is canceled. Most policies have at least a 30 day grace period in which you can make your payment and your policy will still remain in effect. So before you assume your insurance is gone, check out your grace period and pay up!
Save By Staying with One Insurance AgentSometimes you can find cheaper insurance at different agencies but there are two reasons to stay with one insurance company or agent: First, you can get a multiple policy discount and second, your insurance agent is likely to work harder for you when it comes to claims and service.
You Have to Ask for Insurance DiscountsDon’t assume your insurance agent will automatically give you all the discounts available. This is not because they don’t want to but because they don’t always know what discounts apply to you.
Your Credit Rating Affects Your InsuranceMost insurance companies are partially basing rates on your credit history. Whether you think it is fair or not, it is happening. So, if you have some small credit issues get them cleaned up or if you can’t and still want to save, shop around because each insurance company has a different way to evaluate your credit.
Skip the Credit card Insurance and WarrantiesThose offers by your mortgage or credit card companies to pay your balances are not worth the cost. It is always better to make sure you have a good life insurance policy to cover your debts. Also, extended warranties are just mini-insurance policies and they are hardly ever worth the amount you pay for them, especially if you take care of your items.

A High Deductible Health Insurance Plan Along with Haggling Equals Big SavingsYes, you are comfortable doing it with the used car salesman so why not with medical professionals? People do it, even insurance companies haggle and get rates reduced! Getting a high deductible health insurance policy will save you tons of money in premiums because it only kicks in usually after you have paid the first 5-10 thousand dollars. So, if you have other procedures the doctor would like to do that you will be paying for out of pocket… haggle with your doctor or the hospital. It sounds strange but you can reduce your costs and don’t worry because others are doing it too!

You Don’t Always Have to Pay those Out-of-Network ChargesAs long as you followed your obligations of choosing an in-network doctor and an in-network hospital, if for some reason another professional at the hospital gives you care and they are not in-network then you don’t have to pay. Your health insurance company will send you a bill anyhow, hoping you will pay but make sure you make it clear that you know you are not obligated to pay.

Insurance Agents Don’t Make Much Money off of Term Life InsuranceTerm life insurance is basic life insurance that does what it is meant to do: it gives you a certain amount of life insurance for a certain amount of time. It is one of the most popular choices in life insurance because most families just get it while their kids are young… most people don’t need life insurance when their dependents do not depend on them anymore. It is also very popular because it is the lowest cost option in life insurance and therefore gives you the biggest life insurance bang for your buck. That makes it a very low commission product. This is not to say that other life insurance options are not a good choice, but make sure you know why your agent is trying to sell you a particular life insurance product.

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