How to save on your health insurance ?

In this article I'm going to teach you how to save on your health isnruance.There are many things you can do to get cheap health insurance.Let's get started.

- Shop around.Just buy online all insurances you need - car, health, life and home and you will get discount rates for that.Buy more and you will pay less.That rule works on many kind of insurances.

- Increase your credit report.That affect your risk profile.If you have good credit report over 700, companies think you are reliable and they offer discount for that.Be a regular buyer and they will get you cheap rates on your health insurance.

- Ask for a group discount.Think do you need more insurances?Do you have any friends that need insurances?Many insurance companies will offer you discount rates if you buy more from them or from their partners.Not all health insurances offer car insurance for example, but they have partners that provide other insurances, like car, life and home insurance, so you will buy from their partners and you will pay less.

- Always compare health insurance rates.There are many health insurance comparison sites, that may help.Just find one on the Internet and compare.The trick here is you need to find any site, that work not only with big national companies, but also with local health insurance companies.Most of these sites are free and without any obligations.So you lose nothing to try them.

How to get cheap car insurance for college students?

Unfortunately college students pay more.All people under 25 pay more, because their risk profile is not good.Some insurance companies offer discount, but not all of them.So if you are a college student, read this post.You also can read more information on how to get cheap car insurance for college students.You will find more tips.As I've mentioned before, people with high risk profile pay much more.And people under 25 are with high risk profile.Insurance companies just don't trust them.They think they are not a good drivers and so they charge them more.Colleges students can expect to pay 20% more.Of course that does not mean you have to overpay for your car insurance if you are a college students or young driver.You can use these tips to save on your car insurance.

First and the most important tip is to be a good driver.That is the most common reason big insurance companies don't trust young college students.So keep your driving records good and you will pay less.If you are serious your insurance companies will start to offer you discount rates after time.

Is your car safe and protected?Do you know that you can save money on your car insurance if you buy theft protected devices?I'd strongly recommend you to buy as many as possible.Protect your car and you will save a lot of money.Insurance companies will know that the risk your car to be stolen is less, so you will pay less.That is a good tip that many people use.

Shop around and ask for a group discount.This tips is not only for college students, but also for all other people.If you buy more from one insurance company, or from their partners you will get cheap car insurance for college students.Just ask for that discount and you will have it.In this high competition many companies offer discount rates on their clients.

Increase your credit report.Many college students don't even know what is that, and don't care about it, but it is important factor in your isnruance rate.Get a good credit report and you will pay less.I've already showed you how to increase it.

Which is the cheapest car insurance company ?

Probably you have heard of car insurance companies like www.geico.com, www.allstate.com, www.statefarm.com ... and more.All of them are good, but how to choose the best of them?The truth is it is different.Your car insurance rate can be different.Sometimes one company will offer you cheaper rate, sometime other company will offer you better rate.Things like age and location affect your rate.So the most important thing when you choose your car insurance company is to compare rates.That will be time consuming.You will need to call all of these companies and ask them one by one.But I can offer you easy way.There are a lot of insurance comparison sites.Most of them are free and without any obligations.

So go to Goolge.com and type compare car insurance for free or similar.You will see many promising sites.Of course some of them may be scams, other not.I suggest that you pick one and register.They will just send your information to many of their partners and you will see many free insurance quotes from different car insurance providers.And of course you will pick the cheapest of them.

How to pick an insurance comparison site?The most important factors are that:First, you have to make sure your insurance comparison site works with many national and local companies.Keep in mind that sometime you can get cheaper car insurance rate from local companies.And there are many sites that work with local providers.Second, the site is free and with no obligations for you.I have to tell you most of them are free and without any obligations.So just register and you will see your free quotes in seconds.

Of course the comparison is not the only one thing that will help you to lower your rate, but it is important.Imagine if you have to call all companies by phone?That will be so time consuming.But if you compare rates from free insurance comparison site, you will do that easy.It will help you a lot.

How to increase your credit report to pay less for insurance ?

This is the next part of my previous post, where I talked about credit report.Here I will explain you more on how to increase your credit report, because as I've mentioned your credit report affects your insurance risk profile and you will get cheap insurance rates.

Now you have your credit report, and probably credit monitoring and theft protection.I've explained that in my previous post.And you have checked your credit reports for mistakes.OK, there are many more things you can do to increase your credit report.In this post I will cover that in details.Follow my tips and you will increase your credit report, so you will pay less on your car and health insurance.

Get out of debt as soon as possible.If you are in debt your credit report will be low.So try to get out of debt and begin to increase your credit.

Don't use more than one credit card.Here is one little confusion people can not understand well.Actually if you have a lot of credit cards and you don't use them that won't hurt your credit report.What will hurt you is if you use them and if you pay late.But of course the question will be why should you have credit cards without using them.So my advice is use no more than one credit card.If you need more credit cards you can get prepaid or debt cards.

Late payments hurt will your credit report.Don't make late payments.They will be reported and so your credit report will be affected.Just be a regular and you're OK.

Pay more than the minimums on your credit cards.It is a loosing strategy to pay only the minimums.My advice is to pay +25%, if you can.That way you're OK.

Avoid bankruptcy.That will definitely destroy your credit report.

Use these tips and you will increase your credit report.Of course you can hire a credit repairing company, but at first you can try to do is yourself.I can suggest you to start as soon as possible, and you will see good results in several months.And of course you will pay less for your car insurance. This is the previous post on how to increase your credit report

How to increase your credit report ?

As promised I will teach you how to increase your credit report.First of all you may ask why should I increase my credit report?How it affect my insurance rates?Will I get cheap car insurance if I have a good credit report?The answer is yes.Many insurance companies will look your credit report.If you have a good credit report, that means you are a regular buyer and you will pay less.All insurance companies will trust you more and you will pay less.So your credit report is important.A good credit report is more than 700.Fair is less that 500.There is not such a thing like perfect credit report.You can increase it more and more.Your credit report is important part of your life.

If you have a good credit report it will be good, but if your credit report is low, you can increase it.First of all you have to understand that there is not a fast way to increase it.You need time and patience.There are many companies on the Internet that offer you to increase your credit report and so to lower your insurance premiums, but my advice is first try to increase it without a company.If not possible, you can hire a credit repairing company.

So first thing is to run a credit report check.It is free.What is not free is credit monitoring and identity theft protection.Although it is not free, I can suggest you to get these.If you want to get 100% free credit report you can go to https://www.annualcreditreport.com.It is a site supported by the government.But if you want I'd strongly recommend you to get also credit monitoring and identity theft protection.There are many cases of identity thefts, so better protect your privacy.As I've mentioned it is not free, but it is cheap.Keep in mind that if you become a victim of identity theft you will have a lot of problems.If you don't want to pay it is OK, it is up to you ... your life your money.

OK, now you have your credit report.First thing is to check for mistakes.Probably there will be a lot of mistakes, but don't worry, it is normal.You just need to check your report carefully and to report your mistakes to all 3 agencies.You can find more information on how to dispute your errors on their sites.Keep in mind that these agencies support their own dispute centers.So go to www.equifax.com, www.experian.com, www.transunion.com, and check their contact information.In most of the cases you will need to send them a letter and they will response you in a month.

OK, this article will be continued in the next post.There are more interesting things you will learn.So keep reading.

How to save on insurances ?

Hello, this is my first post on this blog.The idea behind this blog is to help people on how to save on their insurances.We are going to talk about any kind of insurances.About how to get cheap car insurance, cheaper health insurance, discount rates on life insurances and home insurance.There are many factors, tips and tricks you can use to lower your rates.In this first post I won't explain you everything you need to know, but be patient ... I will cover that in my next posts in details.Believe it or not you can lower your rate with 30-40% or even more.Many people overpay for their insurances.I hate to pay a lot of money , so I've researched the Internet and I found a lot of ways to save money ... a lot of money.There are many promising ads on the Internet that offer you to save a lot of money.Go to Goolge.com and type cheap car insurance .You will find so many ads that offer you to save money, but are they scams?

In this blog I'll try to explain you which of these promising ads are scams, and which are not.Actually it is not easy, because there are so many companies on the Internet, which promise insurance discount rates, and I can not talk about every single car insurance company, but I will try also to give you tips and tricks on how to avoid scams.

OK, let's start with several basic tips on how to save on your car insurance

First of all you have something that is called risk profile.Your risk profile is affected by many different factors.It is not the only one thing that affect your rate, but it is important.So, if you want to save money on your insurance you have to have a good risk profile.If you have a good risk profile your insurance company will think you are a good buyer and so you will pay less for that.One of the most important factor of your risk profile is your credit history.We are going to talk that later.I'm going to show you tips and tricks on how to increase your credit report, but in several posts.Also your age affect your risk profile and your insurance rate.many companies consider people under 25 for high risky and so they charge them more.Nothing can be done here.You just need to wait and to be regular buyer.You will save a lot of money.Another important thing is your history.Have you ever been insured or have you ever been cancelled your insurance.That is important, because if you have ever cancelled your insurance you will pay much more.Insurance companies won't trust you, so you they will charge you more.Your rate will be increased.Keep in mind that you also may be rejected from some providers.

OK, it my first post I just explained you the basics.Hope you will enjoy reading my next posts, where we will cover in details how to save on your health, home, life and car insurance.