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Driving a standard family sedan is considerably less risky		Reconsider "supplementary" additions to your
than driving a flashy sports car. Your insurance rate not		health insurance. You may already be adequately
only reflects you as a driver, but also what you drive.		covered by your existing plan. Also consider that a
When shopping for a car, keep in mind the insurance		component of auto insurance covers certain portions of
premium you'll likely pay. Financing a car almost always		health insurance (and vice versa). Check your
requires you to purchase collision/ comprehensive		policies.
coverage to protect your financer's investment. If you are
leasing a car, your finance company or bank may		Although common sense, it's important to mention.
require the maximum insurance coverage as a whole to		Should your information be somehow incorrect during
protect their property, since the car is technically not		filing, your carrier may refuse benefits altogether (which
yours anyway. Contact your insurance agent or your		is definitely not a way to save money).
car's financier for more information.
		If you and your family are fortunate enough to enjoy
Find the time to review your insurance policy. You may		extended periods of great health, you may want to
be able to revise it if you have unnecessary add-ons (i.e.		choose a higher deductible. For example,
do you need towing if you have AAA?). You may also		increasing it from $500 to $1,000 will significantly reduce
qualify for discounts you didn't know about.		your insurance premium.


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There are two basic types of life insurance: Term Life		Buy before any major health issues arise.
insurance, where you choose the coverage amount and		Healthy people have the best mortality risks and thus are
length of the policy; and Whole or Permanent Life		much cheaper for companies to insure. This translates
insurance (of which there are many variations), which		into lower rates for the Super Preferred customer than
combines an investment product with life insurance.		someone with higher risk factors such as a heart
Whole life insurance is expensive, due mainly to its		condition, cancer or diabetes. Conversely, if you were
investment aspect, while term life insurance is very		unhealthy when you acquired your policy, and your
affordable, especially with todays all-time low prices.		health has now improved, it might be time to shop for a
		new policy, as your rates are likely to be lower.
While it is important to consider your own unique needs
when it comes to term life insurance, the general rule of
thumb is to have 6-10 times your annual household
income.

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