Auto Insurance Tips
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What you should know about your auto insurance that can really save you a ton of money and a lot of frustration.
When should you make a claim on your auto insurance policy? What should you pay for out of your pocket and not file a claim for?
Do you know what your deductible is? A deductible is the amount of money YOU will be required to pay if YOUR insurance company pays the claim. You pay that amount of the actual repair cost first before your insurance pays the difference.
Having a ,000 deductible and filing a claim on your policy for ,800 you will pay 00 and the insurance company will pay 0. I would NOT file a claim for this if at all possible. The risk to an increase in your premiums is too high for me and I would just pay the ,800 myself and not report it to my insurance company if I could.
Having a ,000 deductible rather than 0 might save you 0-200 a year, and if you are a safe driver with no claims in the past 7 years or so you would save quite a bit over those 7 years. I would put the savings into an “emergency fund” which gains interest and use that money in the case of a claim. If no claims, you have a nice little nest egg to spend on something else.
The purpose of the deductible is to keep you from claiming all little claims/accidents etc. that happen during normal life. Having a 00 deductible will definitely keep you from doing that, right?
Now, if the accident was not your fault and the other insurance company is paying the claim you pay nothing, your deductible is only for your at fault claims for repairing your vehicle.
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The Diabetics Guide To Obtaining Life Insurance
Diabetes is a worldwide epidemic that has affected many. In the US alone, there are more than one million people who have been diagnosed. The good things about this is that diabetes is quite manageable, and many people lead active, regular lives, despite having the disease. Eating well, taking prescription medication and being physically active will help extend the life of diabetics. With that being said, many life insurance companies still refuse to offer them coverage.
The reality is that many people with diabetes do not have their condition under control. Since this can be life-threatening, it makes the insurance companies view them as a liability. This is not fair, especially since this means healthy diabetics are denied coverage as well.
Getting Affordable Life Insurance for Diabetics
There are TV commercials that offer great drop-down rates on insurance, but in most cases these do not apply to people with diabetes. It is difficult to find good coverage, but this does not mean it is not a possibility. They key is to do like others who apply for insurance and shop around. The best way to qualify for a great policy would be to show insurance carriers that your condition is well managed.
Generally, you will be required to meet certain requirements before coverage will be extended to you. These may include:
- Staying away from alcohol and cigarettes, while maintaining a healthy body weight.
- Visiting your physician regularly and keeping your blood sugar levels in check.
- You should be generally in good health besides the fact that you have diabetes.
As was mentioned a bit earlier, it is important to comparison shop when seeking insurance. The first thing you should do is head over to DiabetesLifeSolutions.com and get a set of life insurance quote for diabetics. You can then narrow down exactly what you are looking for and do a little bit of research that can lead to you obtaining a policy and having a solid peace of mind.
Obtaining Life Insurance
Most people would not enjoy paying for a life insurance policy, and a majority of them would naturally cancel such policy at a certain stage in their life. Since life insurance premiums could be somewhat expensive, it is quite natural for people to wonder if it is better to invest the money on something tangible than life insurance. But, before you decide to cancel your life insurance policy stop and pay attention to what might happen to your loved ones if you were to die suddenly or become incapacitated. Especially, if you are the sole breadwinner of your family, a life insurance policy is a must for you.
No one would like to die prematurely, but there is no one on earth who is able to avoid death. What if you are involved in an accident which leads to your premature death. A life insurance cover would help your family in such circumstances by paying for your funeral and related expenses. Sure, thinking about one’s own mortality may not be pleasant at all, but it is important to plan for such emergencies. The last thing imaginable is to leave your loved ones in a financial mess during a traumatic period for them.
Most of the life insurance policies will cover more than the burial and funeral costs. They would protect your family’s expenses for a year or more after you have departed from this world. This period would suffice for your family to find new avenues of income for their future.
Good Term Life Insurance Rates
You can always shop around and compare costs at websites like InsureNow365.com when purchasing a life insurance policy. A non-smoking healthy person, who is not employed in a high risk environment, would be able to get a life insurance policy on very competitive terms. There are plenty of options that offer extremely competitive rates for such people. A small amount of money invested in a life insurance policy will give you and your loved ones a peace of mind for ever.
The Top 3 Financial Tips For Succeeding Financially In Life
Nobody ever wants to struggle financially in life, but the sad truth is that many, many people go through life working hard, spending their money and then feel guilty about how they’re handling their money. In this article, we’re going to highlight the three basic tips for succeeding financially in life.
1. Know what triggers you to spend
While it’s believed to be more common in women than in men, emotional spending is the one thing in life that causes people to over spend and even rack up credit card debt. If you’re prone to spending double lattes or go on a shopping spree, take the time to ask yourself what triggers you to do so. It could be stress or it could be because you are depressed. Whatever it is, make sure you’re aware of it.
2. Prioritize debt payments
If you have payday loans or credit card debts, prioritize getting their payments because those debts have ridiculously high interest rates and your hundred dollar debt could quickly balloon into thousands of dollars. If you’re having difficulty making monthly payments, talk with your creditors about a monthly payment schedule that won’t affect your monthly expenses.
3. Spend less than you earn or earn more money
If you want to sleep better at night, there are really just two ways to become financially free – either you spend less than you earn or you earn more money. Either way will cause you to have extra money that you can save to invest in financial instruments like bonds, stocks, futures, etc. To help you curb your spending, keep a spending diary where you list what you spent on during the day. You’d be surprised at the number of unnecessary expenses you incur.
The tips we mentioned above are the most basic tips yet they are also the most difficult to follow. But with persistence and consistent effort, those tips should become second nature to you.