Low Cost Health Insurance Basics Explained – Why You Need Health Insurance

Article by Helen Hecker

Many people find they’re rarely sick or have never been hospitalized or had any kind of serious illness. This is good but can give one a false sense of security. There is always the possibility of coming down with an appendicitis attack, breaking a leg or getting into a serious auto accident that’s not your fault, no matter how careful you are. Medical costs and hospitalization along with any medications or drugs can be considerable. Getting some affordable or low cost health insurance can give you the assurance and insurance you need to lessen any worries.

If you start looking at different health insurance programs and getting some insurance quotes you will find that coverage can be quite different from policy to policy or plan to plan. One insurance company may want a high monthly payment in order to cover you. Other insurance companies may want you to pay a hefty co-pay or deductible if you’re hospitalized. One may stop looking for health insurance after just one quote that is high and that’s a mistake. There are many low cost health insurance programs and you can get several quotes at one time. More on this later.

If you don’t have health insurance and the unthinkable happens– accident or necessity for surgery and/or hospitalization this can take big dent out of any savings you have or if you don’t have savings can leave you with big bills.

If you have children you may find it very stressful because parents will forgo their own treatment but do everything possible to get treatment and help for a child. Nothing can be worse than not being able to get the help you need and you don’t want to worry about how much it’s going to cost you.

Low cost health insurance is available from many companies. Getting free online quotes from the company that lets you submit the information in minutes and it goes to several insurance companies– that’s the fastest and easiest way to find low cost insurance. The costs for your insurance is going to be not only the monthly premium but you want to take into account the co-pays and deductibles too. So if you’re trying to get quotes one at a time make sure to compare all of these and compare the coverage closely for each. You can forgo maternity coverage if you don’t need it and there may be several other items you can exclude too. Otherwise getting your free online quotes from several health insurance companies at once makes sense.

.

What Low Income California Drivers Need to Know About the California Low Cost Auto Insurance Program

Article by Cliff Berman

Rising unemployment rates and the exorbitant cost of gas have left hundreds struggling to come up with the fund they need to keep their car properly insured. That’s why over 15% of drivers on the highways today are driving uninsured, 3 million plus in California alone. In an effort to stem the rising tide of uninsured drivers California has implemented an insurance program designed especially for low income drivers known as the California Low Cost Auto Insurance Program.

Unlike regular insurance programs, which are designed to work on a fixed rate premium depending on your circumstances, the California Low Cost Auto Insurance Program (CLCA) works on a sliding scale determined by your income. Drivers that meet the definition of financial need established by the governing authority can aply to be admitted into the program and enjoy the benefits of a low cost insurance policy designed especially to meet their needs.

This isn’t one of those low cost insurance programs designed to persecute the middle class just because they happen to make enough money to keep food on the table and pay their rent on a semi-regular basis. Instead, the program is designed to accommodate the bottom edge of the middle class, with a family of four being permitted to have a combined income of up to ,000-considerably higher than the state poverty level.

With an income level this high the hope is that every driver will take the initiative and apply for the California Low Cost Auto Insurance Program rather than choosing to continue to drive uninsured.

Because California has a mandatory liability requirement for its drivers the CLCA only offers liability coverage as part of its low cost insurance plan. Included in the plan is:

* ,000 Bodily Injury Liability per person.* ,000 Bodily Injury per accident.* ,000 Property Damage per accident.

As you’ve probably already noticed, this is significantly less than California’s minimum liability requirements for drivers. State officials are willing to make a trade off in exchange for dramatically reducing the number of drivers they have out there driving uninsured. Auto insurance companies have no choice about offering this low cost insurance to their clientele, but they reserve the right to keep their coverage levels low to encourage drivers that can afford it to seek regular coverage.

Collision and comprehensive are not included as part of the California Low Cost Auto Insurance Program. You can, however, purchase them separately from your insurance carrier without affecting your eligibility for the program. Most companies do offer you the chance to purchase additional medical coverage and uninsured motorist at a low cost through the program to protect yourself from the people out there who weren’t as quick to pick up on this great deal as you were.

The California Low Cost Auto Insurance Program is an ideal solution for low income drivers who don’t want to have to sacrifice their auto insurance coverage to keep dinner on the table. If you’re struggling to pay your premiums but don’t want to join the ranks of the uninsured contact the CLCA as soon as possible.

.

Quick and Easy Ways to Save Money on Cheap Auto Insurance – There’s No Need to Keep Overpaying

Article by Frank Topol

There is nothing more frustrating than paying too much for a product or service, and too many consumers are overpaying for their car insurance. Although a lot of people have indeed given up on finding cheap auto insurance, the truth is that it really is not very hard to find if you know where to look. Many drivers that believe they have found cheap auto insurance have simply found an insurer that is allowing them to carry sub-par coverage and charging less for it. A wise consumer needs to understand what to look for, what to ask for, and how to ask for it.

Cheap auto insurance should not offer anything less than adequate coverage or there really is no use in paying for it. A driver needs to ensure that they can comfortably afford any deductibles that are associated with the cheap auto insurance policy. In addition, the coverage levels must be high enough so that they will actually afford the customer a good level of protection in the event of any accident or theft. Customer service is important and it is often advisable to check with the Better Business Bureau before dealing with any auto insurer that provides cheap auto insurance.

An excellent way to save money on cheap auto insurance is to familiarize oneself with all of the available discounts. Car insurance companies appreciate customers who fit well into their target demographic, so safe drivers with no prior claim history will receive a fairly substantial discount. Individuals with good credit scores also typically enjoy better rates on cheap auto insurance. Other discounts include loyalty savings given to individuals that maintain more than one vehicle or more than one insurance policy with the same company. Driver education classes also normally result in a small discount.

The biggest step in finding cheap auto insurance is luckily not very difficult. A consumer can use an insurance comparison website and immediately compare multiple quotes and product options online. It really is much easier than people think to save money by finding cheap auto insurance

.

What You Need to Know Before You Purchase a Car Insurance Policy

Article by Amber Jonas

Obtaining you r very first auto insurance policy might not be a priority, but believe me it should be. Car insurance is extremely important because it protects what is probably one of your very first investments and that is your car. your car. Shopping for car insurance can get complicated, and more often than not new car insurance shoppers neglect to compare car insurance, and this prevents them from reaping the financial benefits of finding the best, and most affordable car insurance that is available to them.

The question that most new car insurance policy buyers ask, is who needs car insurance and why? The answer is quite simple: it’s the law. The Department of Motor Vehicles requires drivers to assume the financial responsibility for owning and operating a car all of the fifty states. Car insurance protects you financial, in the event that you cause property damage or bodily injury to someone when you are operating your vehicle. If you get caught driving without car insurance you could find yourself facing some hefty penalties.

Violators can be ordered to pay hundreds of dollars in fines for a first time offense. Also, if you happen to be involved in an auto accident, and you do not have insurance, your license might get suspended, regardless of whether you are at fault or not.

Now that you know that you need to have car insurance, you need to understand how car insurance works before you go out and purchase a car insurance policy. Once you understand how car insurance works, and you have an idea of the type of car insurance policy you are going to need, you are on your way to taking next step; finding the best and most affordable car insurance for you.

This is usually the point where most new car insurance buyers get sucked into paying too much for their car insurance. You shouldn’t assume that just because you are purchasing your first car insurance policy that you will have to pay extremely high premiums. Yes, you are going to pay higher premiums than other people that have had their car insurance for years, but this doesn’t mean that you won’t be able to find affordable car insurance.

.