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Your latest car insurance bill has arrived and it is not a pretty site. In fact, it is downright ugly! What can you do? Must you remain hostage to the ever spiraling rate increases foisted upon you when your policy renews? In a word, no. Let s examine five strategies you can practice today to help reduce your car insurance premiums immediately.

1. Shop For A New Policy. Even with “loyalty discounts” in place, many consumers will find that a competing company will offer significant savings over your current plan. This especially holds true if your state recently opened up the market to invite more competition in.

2. Change Your Coverage. If your vehicle is old, you many want to consider dropping collision coverage. Your comprehensive coverage may also be due for reexamination. Finally, make sure that there aren t duplicate costs included such as towing insurance if already offered through your automobile club.

3. Family Status. You may be paying more for your insurance if y (more...)

Every individual who has health insurance in Dallas , Houston and elsewhere in Texas probably has an insurance card that he/she carries in his/her wallet. Politicians in Texas are considering taking this concept one step further by requiring health insurance companies to electronically embed coverage information into health insurance “smart” cards.

By swiping such a health insurance smart card at a doctor s office or hospital, your healthcare provider, and you, would get real-time information including: what your co-payment is, whether your deductible has been met, which providers are in your network and which procedures are covered.

“I m a physician. I can t even tell you what my own insurance covers,” Corpus Christi ophthalmologist Jerry Hunsaker told a House committee considering the so-called smart card legislation in April 2007.

Recently, the Texas House of Representatives overwhelmingly approved a bill by Rep. Beverly Woolley (R-Houston) that would establ (more...)