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Dont overspend on protection. Term life		Although common sense, it's important to mention.
insurance is the most affordable and cost-effective pure		Should your information be somehow incorrect during
protection available, and it is typically much less		filing, your carrier may refuse benefits altogether (which
expensive than a comparable whole life policy. The old		is definitely not a way to save money).
axiom still rings true: Buy Term and invest the
difference.		Reconsider "supplementary" additions to your
		health insurance. You may already be adequately
Check out your payment/billing options. Many		covered by your existing plan. Also consider that a
life insurance companies offer discounts to consumers		component of auto insurance covers certain portions of
who pay their premiums annually, or who pay monthly by		health insurance (and vice versa). Check your
electronic funds transfer (EFT).		policies.

Review your policy often. Do a review of your		Research the various insurance plans, coverages and
life insurance policy a minimum of every three years, if		options. Find out which best suits you and your
not more often. Rates may be lower, and your		family. Don't buy more insurance than you need
circumstances may have changed, necessitating more or		(i.e. young married couple probably doesn't need serious
less protection. If you are replacing a policy, make sure		medical coverage other than pregnancy). Consult
you allow enough time to get your new policy in place so		an agent to answer any specific question pertaining to
coverages wont overlap or lapse.		you.


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Collision insurance covers damage to your own vehicle in		Term life insurance prices started falling in the early
an accident. Collision is generally optional unless		1990s, and rates are now over 50 percent lower than a
your car is financed or leased in which case your bank		decade earlier. With rates remaining at record lows, and
or credit union, bank or lender will require collision		many experts predicting that prices will continue to drop
coverage as a condition of the loan in order to protect		when the major insurers adopt new mortality tables based
their interests.		upon the increase in average life expectancy, now is the
		time to purchase a new policy and lock in the best prices.
Uninsured or underinsured motorist insurance covers you		Even if you purchased your policy several years ago,
if you are injured in an accident with others who		chances are that you can still lower your prices.
themselves carry insufficient or no liability
insurance. With the surprising number of such
drivers out there, it's a good idea to have some.
Some states require UIM/UM, so contact your Agent.

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