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Auto insurance is one of those must-haves in life. In most states, it is required by law that you carry at least the minimum coverage. There s no way around this, so you might as well take advantage of the money-saving tips below to make the most of your insurance experience.

Tip Number One: Consider Your Vehicle s Value

Let s face it, automobiles depreciate (or lose value) very quickly. When you drive your vehicle from the car lot brand new, the “new” value goes down suddenly to a “used” value. No matter how well you take care of your car, the value will decrease tremendously over a short period of time.

If you ve paid off all debts owed on your vehicle, find out from your previous lender the estimated book value. If this amount equals the same or less than what your collision insurance premium is going to cost you, then there s no reason to carry collision coverage. You would basically be paying the total value of your car each year, whether you have an (more...)

We all know the importance of looking after ourselves. Sure, it means exercising and eating well. But it goes beyond that. We need to insure ourselves against situations that are beyond our control.

Misfortune usually strikes without warning and often when we are least prepared. This is where good medical coverage is a necessity. For if we do not have medical coverage, not only will our health suffer, but our financial health will suffer greatly as well.

Full medical insurance is one of the perks of working for an employer with a full medical benefits package. But what if your employer doesn t offer a medical program or, you are self employed.

Low cost insurance is an option if you have to cover the cost of insurance yourself. But the low cost may imply that it is only the most basic of coverages. Check the reputation of your health care provider, and know that most well established companies will not vary greatly and their prices will be in a close range for the same services. (more...)