Insurance

What’s the Best Way To Find Health Insurance?

June 14, 2011

In October of 2009, I decided that I would no longer run the 9-5 gauntlet. And with that decision came a few immediate changes in my life.  Working from home and for myself meant that I could set my own schedule, make my own decisions and only have myself to blame when something I’ve implemented [...]

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How Much Do Health Insurance Companies Spend On You?

June 5, 2011

In 2010, proposed rules were issued and approved by the National Association of Insurance Commissioners (NAIC) for measuring the Medical Loss Ratio (MLR). The MLR is part of the Affordable Care Act (ACA), a law that puts into place comprehensive health insurance reforms that is intended to hold insurance companies more accountable, will lower health [...]

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Save Money On Car Insurance Using Progressive Snapshot

May 24, 2011

I’ve tried and tried and tried to find a car insurance provider who is willing to offer me a lower rate on car insurance but it’s of no use.  Even though I feel like I pay way to much with my current provider, Progressive, it’s becoming clearer to me that it’s actually a lot cheaper [...]

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Avoid Paying Unnecessary Car Insurance

May 13, 2011

I’ve been trying for years to reduce my car insurance bill. But for some reason, no matter how good of a driver I am and how much older I get, it doesn’t happen.  I drive my car less than almost any other American, and I still pay over $100 a month just for liability coverage.  [...]

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Have You Used the Progressive iPhone App?

May 2, 2011

It seems like just about every big company out there has developed an iPhone app. The problem is that so many of the apps are not very good. They are just not that useful. For this reason, the Progressive Insurance app caught my attention. Currently, Progressive has over 12 million premiums, which makes it the [...]

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A 60-Second Guide to Life Insurance for Smokers

March 2, 2011

Both my mom and her mom were smokers. My mom still is. My grandmother stopped smoking when we used her failing memory to trick her into thinking she had quit smoking years ago. Not exactly the proudest moment in my life, but it got the job done. I plan to use the same strategy with [...]

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Why Term Life Insurance is the Smart Life Insurance

February 24, 2011

When making financial decisions, we like to stress that circumstances matter.  Your wants and needs make a decision good for you, even though it might not be the best choice for me.  This is less true, though, in deciding whether to purchase term or whole life insurance. Term life insurance is almost always the better [...]

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Insurance Lingo 101 – What is Personal Injury Protection (PIP)?

February 16, 2011

A few weeks ago, I got in a car accident near my home in southern California.  My car was toast, but luckily the other driver and I both walked away without sustaining any injuries.  If we weren’t so fortunate, and instead ended up in the hospital, we might be exploring whether our auto insurance policy [...]

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Filing an Auto Insurance Claim Might Not Be the Best Idea

February 14, 2011

Your car insurance provider frequently tells you to report even the most minor car accident.  Contrary to these instructions, sometimes it’s best not to file an insurance claim. A few years ago, I was in a minor fender bender with another car.  I admit it: the accident was definitely my fault.  But the damage was [...]

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