Cincinnati Insurance


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By increasing your deductible you can reduce your		Buy when you're young. Although your financial
insurance rates significantly. Just keep in mind that if		needs may be lower at a younger age, the rates are also
your car actually gets damaged you will end up paying		substantially cheaper when youre young. Remember,
this higher deductible to fix the damage. For example, if		the goal is to cover your primary assets (like your salary
that dent in your hood costs $1,500 to fix and you have a		and house) so that if something were to happen to you,
$1,000 deductible, you'll pay that $1,000 while your		your beneficiaries would be able to persevere financially.
insurance company only pays $500. On the flip side, if		The best advice is to lock in as much protection at a
your car receives $5,000 worth of damage you will pay		young age while your health and prices are still good.
only $1,000 and your insurance company will pick up the
remaining $4,000. The amount of your deductible		Buy before any major health issues arise.
depends on what your personal financial status or		Healthy people have the best mortality risks and thus are
requirements may be.		much cheaper for companies to insure. This translates
		into lower rates for the Super Preferred customer than
Find the time to review your insurance policy. You may		someone with higher risk factors such as a heart
be able to revise it if you have unnecessary add-ons (i.e.		condition, cancer or diabetes. Conversely, if you were
do you need towing if you have AAA?). You may also		unhealthy when you acquired your policy, and your
qualify for discounts you didn't know about.		health has now improved, it might be time to shop for a
		new policy, as your rates are likely to be lower.


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While many people in the U.S. remain completely		Reconsider "supplementary" additions to your
uninsured when it comes to life insurance, even more		health insurance. You may already be adequately
who are insured are underinsured. Many		covered by your existing plan. Also consider that a
consumers may own only half of the commonly		component of auto insurance covers certain portions of
recommended amount (6-10 times your annual salary).		health insurance (and vice versa). Check your
Now is the time to shop for term life insurance rates, and		policies.
think about purchasing a new policy. You may be able to
afford more coverage than you think for low monthly		Although common sense, it's important to mention.
payments!		Should your information be somehow incorrect during
		filing, your carrier may refuse benefits altogether (which
		is definitely not a way to save money).

Cincinnati Insurance
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