Everyone needs life insurance. They are two basic types of life insurance – term life insurance and whole life insurance. The whole vs. term life insurance debate has been going on for decades. Some want to believe that one has a clear advantage over the other, but I think it all depends on what i… Continue Reading

In 11 Ways to Cut Your Car Insurance suggestion #11 to lower your car insurance premium was to relocate to another state: 11) If all else fails, relocate… I’m not suggesting that you relocate to take advantage of lower insurance rates, but...car insurance can vary significantly based on geogra… Continue Reading

I have more than a casual interest in this subject. That's because I have a 21-year-old son and a 19-year-old daughter. When you're that age, car insurance rates matter more than usual. Cutting car insurance rates for young drivers becomes something of an ongoing part-time occupation. As if getting … Continue Reading

Car insurance is virtually mandated in the Western world, and since you have to pay it, it helps to keep it is inexpensive as possible. How do you do that? Continue Reading

For most people, term life insurance doesn’t cost too much. For other people, it’s a different story. Here’s the good news: You can lower your life insurance premium by making some lifestyle changes. When you’re done, you can either renegotiate your rate or buy a policy from a more reasonabl… Continue Reading

Distractions draw your attention away from the road whenever you're behind the wheel. On any given day, you might confront thousands of things that cause you to divert your attention or take your mind off traffic. Some are necessary. Stop signs, merging vehicles, traffic lights, and construction cre… Continue Reading

OK - this post is going to read like a plug for the insurance industry, or at least for insurance agents and brokers. And maybe it is, but rest assured the endorsement is based on life experience and not on any an affinity that I have for the profession or any single member engaged in it. Nor am I i… Continue Reading

In 11 Ways to Cut Your Car Insurance - we examined ways to cut your car insurance premiums. Today we’ll flip it around and take a look at what we can do to lower our health insurance costs. This one is even bigger — in many households, health insurance costs are second only to housing as the top… Continue Reading

Ask nearly anyone, what is your the most important insurance policy, and it’s a good bet that the answer will be “health insurance”. You may also get one or two suggesting auto insurance, or even disability insurance. You probably are unlikely to hear “life insurance” as an answ… Continue Reading

Our health insurance premiums increase with EVERY renewal--and each time we have to figure out how to cut the cost. Raise the deductible, drop coverages... Continue Reading