Cheap Insurance for Your Home, Automobile, Health, & Life: How to Save Thousands While Getting Good Coverage

Product Details

Nearly 50 million Americans are uninsured for healthcare. Millions of drivers lack auto insurance. Home insurance costs more than $729 a year. With insurance rates rising more than three times the rate of inflation, people are struggling to find money to pay for insurance.

Shopping for insurance requires more effort and time than many people are willing to devote. People simply grab the first price they come across and accept the routine rate increases or they forego insurance altogether. In reality, it is necessary to compare not only the price of the insurance, but the coverage and exclusions among the various carriers.

You can cut your insurance prices now. Did you know that by installing a theft tracking device on your car you can save up to 35 percent on auto insurance? Or that by adding a home security system you can save up to 30 percent on your home insurance?

Cheap Insurance for Your Home, Automobile, Health, & Life guides you through understanding the importance of various types of insurance and what to look for in a carrier. The book explains how to utilize technology to secure a better rate and lists Web sites where you can go to find more information. Other topics addressed in this book are how insurance works, insurance company ratings, national and local firms, and auto, health, and disability insurance. Also included are worksheets and forms that will assist you in your search for the best coverage at the lowest price.

Table of Contents

• Introduction.
• Chapter 1: Why Do You Need Insurance?
• Chapter 2: Methods For Obtaining Cheap Insurance.
• Chapter 3: How to Choose an Insurance Agent.
• Chapter 4: Home Insurance.
• Chapter 5: Home Insurance Discounts & Savings.
• Chapter 6: Obtaining a Home Insurance Quote.
• Chapter 7: Additional Coverages Available On Your Home Insurance Policy.
• Chapter 8: Home Insurance & Excluded Natural Disasters.
• Chapter 9: Home Insurance and Home Businesses.
• Chapter 10: What To Do When You Have Difficulty Obtaining Home Insurance.
• Chapter 11: Automobile Insurance.
• Chapter 12: State Automobile Insurance Requirements.
• Chapter 13: Basic Automobile Insurance Policies.
• Chapter 14: How To Shop For Cheap Auto Insurance.
• Chapter 15: The Automobile Insurance Point System.
• Chapter 16: Using Discounts To Save Money On Automobile Insurance.
• Chapter 17: Being Aware Of Surcharges.
• Chapter 18: Automobile Insurance Fees.
• Chapter 19: Automobile Insurance For High-Risk Drivers.
• Chapter 20: What To Do If You Cannot Obtain Automobile Insurance.
• Chapter 21: Health Insurance.
• Chapter 22: Types Of Health Insurance Policies.
• Chapter 23: Medicare & Medicaid Coverage.
• Chapter 24: Managed Care Plans.
• Chapter 25: Selecting an Employer-Sponsored Health Insurance Plan.
• Chapter 26: COBRA - Keeping Your Health Insurance If You Lose Your Job.
• Chapter 27: Health Insurance Benefits For The Self-Employed.
• Chapter 28: Life Insurance.
• Chapter 29: Types Of Life Insurance Policies.
• Chapter 30: Ways To Save Money On Life Insurance.
• Conclusion.
• Appendix A: Links To Your State Insurance Department Web Site.
• Appendix B: Glossary.
• Appendix C: Other Resources.
• Appendix D: Case Studies.
• Bibliography.
• Author Biography.
• Index.