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By increasing your deductible you can reduce your		While it is important to consider your own unique needs
insurance rates significantly. Just keep in mind that if		when it comes to term life insurance, the general rule of
your car actually gets damaged you will end up paying		thumb is to have 6-10 times your annual household
this higher deductible to fix the damage. For example, if		income.
that dent in your hood costs $1,500 to fix and you have a
$1,000 deductible, you'll pay that $1,000 while your		Shopping around is the best way to save money on your
insurance company only pays $500. On the flip side, if		insurance. You can compare free online insurance
your car receives $5,000 worth of damage you will pay		quotes from many of the nations leading insurance
only $1,000 and your insurance company will pick up the		companies. We offer quotes for auto insurance, term life
remaining $4,000. The amount of your deductible		insurance, homeowners insurance, individual health
depends on what your personal financial status or		insurance and more.
requirements may be.
		Term life insurance prices started falling in the early
Your home consists of more than a just your house. A		1990s, and rates are now over 50 percent lower than a
home includes the pool in your backyard, the tools in		decade earlier. With rates remaining at record lows, and
your garage and the wedding ring on your finger. Most		many experts predicting that prices will continue to drop
importantly, it also includes your family, their happiness		when the major insurers adopt new mortality tables based
and safety. Homeowners insurance allows you to protect		upon the increase in average life expectancy, now is the
every part of your home giving you a greater sense of		time to purchase a new policy and lock in the best prices.
security, knowing that you'll always have a warm roof		Even if you purchased your policy several years ago,
over your head. The sections below provide simple but		chances are that you can still lower your prices.
vital information that will help you understand what
homeowners insurance covers.


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Research the various insurance plans, coverages and		Select the right length of coverage. Everyone
options. Find out which best suits you and your		has different needs, and not one size fits all when it
family. Don't buy more insurance than you need		comes to term life insurance. While it may make sense
(i.e. young married couple probably doesn't need serious		for people in their 30s and 40s to secure a 20-year term
medical coverage other than pregnancy). Consult		length, a 10-year term might be more appropriate for
an agent to answer any specific question pertaining to		someone nearing retirement. People who are trying to
you.		quit smoking, for example, might be best suited
		purchasing a shorter term (and then replacing it with a
If you and your family are fortunate enough to enjoy		longer term policy when they qualify for non-tobacco
extended periods of great health, you may want to		prices). Lastly, individuals who have 30-year mortgages
choose a higher deductible. For example,		might want to consider a 30-year term to ensure that the
increasing it from $500 to $1,000 will significantly reduce		house is protected throughout the period of the loan.
your insurance premium.

Akron Insurance
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