Tag Archives: INSURANCE

Senior Saving – You May Not Know You Can Get

 

These apparently are savings that most seniors do not realize that they can get. Actually there are plenty of companies that offer steep discounts and sometimes free stuff. Some supply serves to those who are 50 and older.

There are private companies and federal programs that a lot of senior citizens don’t realize that they exist. got to this website to find out some more about it.

  • Eat for less
  • CUT UP TO $48K OFF YOUR MORTGAGE
  • GET OUT OF DEBT
  • SAVE BIG ON WINDOW REPAIRS AND REPLACEMENTS
  • Medicare Plan Will Save You
  • Cheaper Homeowners Insurance
  • CRUISE DISCOUNTS
  • TV’s Shrewdest Shark Shows One of The Best Ways To Utilize $50
  • Invest In Physical Gold
  • GET AN $850 HOME SECURITY SYSTEM…FOR FREE
  • STOP GETTING RIPPED OFF ON AUTO REPAIRS
  • AMTRAK – 10% OFF
  • SAVE UP TO 70% ON LIFE INSURANCE
  • SAVE ON DUNKIN DONUTS AND COFFEE
  • SAVE BIG ON AUTO INSURANCE
  • Save on MORTGAGE RATES

To learn more go to SENIOR SAVINGS

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5 More Saving Ways Today

 

1.Cost Estimator: Repairpal.com gives free quotes for car repairs and recommends competent repair shops.

 

2. The cheapest gas day of the week: In 29 States in the US are to be bought on Monday according to GasBuddy.com  You can save up to $30 a year.

 

3. Older driver course: AARP offers a driver course and you may save about $100 per year on your car  insurance. I notice Whitefish High school does as well.

4. Outside airport for Car Rentals: Choose a location near the airport for a rental car. Not at the Airport. Go to Autoslash.com to track your reservation and apply deals and coupons

 

5. Humanesociety.org – For a list of programs offering assistance with pet expenses. Search for “affording your pet” on the site

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Small Savings – Big Fortune

  • Attend Spring Training – See how your favorite baseball players work with their coaches – for free! Check out springtrainingconnection.com for locations and schedules. Savings $30 the average price of a major league game.

  • If your car is driven under 5,000 miles a year – Ask your insurer for a low mileage discount. Average annual savings of $92.00 or 17% discount

Source-https://www.insurancequotes.com

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Small Savings – Big Fortune

 

Well that is kinda the name of one of my books (“Small Savings Make A Big Fortune – 1069 ways you can save now”), but here is a few new ideas that I will give you each day till I run out.

  1. Travel with a water bottle – I actually travel with an empty water bottle with a filter in it. I fill the water bottle after I have gone through security and just before I board the plane. The filter of course takes out a lot of the chemicals and chorine taste in the water from the tap. This will save you at least $5 as that is the usual cost per  liter bottle from the stores at the airport. Round trip save $10

2. For Some Meds skip your insurance – This of course is for those who live in America – Ask your pharmacist about the retail price of your prescription medication. The reason is it might be cheaper to pay that price as an example – the diabetes medication Metformin costs about $4 for a month supply while the average copay is $11 – Saving $7

Source AARP.Org/bulletin

 

 

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Tips For Talking To Your Insurance Company After A Car Accident.

calling-about-accident

After a car accident the biggest fear is that your insurance company will not come to the ‘Party’.
Hopefully that is not the case.

Amy Bach executive director consumer advocacy group United policyholders says some auto claims can get complicated by the fine print.

Ways to avoid this:

a. Do not lie.
b. Stick to the facts: It is natural to want to explain the accident beat by beat. How much should you really say.
c. Answer your questions honestly but be careful about volunteering unsolicited details. If you try to save money by being less than honest, the truth may come out.
d. Your insurer should not deny your claim because of misrepresentations, but it may raise your rates. Trying to give precise details can lead to false recounts. Instead of specifics, provide estimates is a good way to go.

Avoid assuming blame: Even if you think you were clearly to blame, there may be mitigating factors. Remember your interpretation is just that : an interpretation. Most accidents are caused by both parties. Taking the blame may feel righteous, it might not be correct. It could lead to an unwarranted rate hike or lower settlement.
 Let the investigation play out.

Get your fair compensation:

Getting a fair settlement can be a delicate situation.
For injury make sure you visit a reputable doctor. Remember any claims not documented by your doctor will not be considered.
You could be examined by a doctor who has a relationship with your insurer. So even if you have been examined by your own doctor the result my face resistance and the Insurer may want to use the opinion of their own doctor.

Property damage is usually easier:

Most states give you the right to have your car repaired at the facility of your choice. If your insurer becomes difficult about paying for the repairs consider contacting your State Department of Insurance
Make sure you make the effort to work with your insurer try not to be too adversarial. But on the other hand fight for the protection you have paid for.

Source: USA Today – Money

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Saving Tip For Today – 10/01/2013

242_How to get a discount on an owners title insurance policy in Florida

Title TrickWhen refinancing your home, slash your closing costs by getting a discount of up to 50% off your title insurance by asking for a “reissue” rate. It may also be available if you buy from someone who bought the home within the past 10 years

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Saving Tip for Today 07/22/2013

insurance-claims1

Home Insurance

Don’t be penny – wise and pound foolish. Make sure you have adequate coverage to rebuild your home in case disaster strikes. Be sure to get replacement coverage on your home and its contents. 

Always, Always read your policy before signing on the dotted line. Don’t take your agents word for it. You may think you are fully covered till you read your policy completely only to find, say for example it does not cover you for flood or dripping taps. Has happened. 

Travel insurance is another policy to read thoroughly. It can be a very expensive experience if you find you are not fully covered for some specific health problems that may arise while you are on holiday.

One example for me is that I had a Texas licence to ride a motorcycle but I did not have and Australian Motorcycle license. My travel insurance was an Australian policy and when I read the policy I found out I would not be covered for any accident I may have in America if I did not have an Australian motorcycle license.  I had to go and get an Australian Motorcycle license before I left the country. 

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