Thursday, January 25, 2007

Health and Dental Insurance Quotes - Applying Online


Health and Dental Insurance Quotes - Applying Online



Since
2001, large health and dental insurance companies such as BlueCross and
GE Financial have offered health insurance online. As a result,
individuals and small business owners have more options when purchasing
insurance. Consumers can access quotes for premiums and coverage plans
to find the most affordable package for their needs.

Determine Your Needs

Health
and dental insurance is not just about finding the lowest premiums. You
also need to factor in the costs of co-pays, deductibles, and maximum
benefits. Determine how often you see a doctor and how much you can
afford to pay in medical expenses. Too little coverage can set you back
financially if you have an unexpected hospital bill, so make sure you
have enough coverage to protect yourself.

You should also be
aware that pre-existing conditions are not typically covered for the
first 12 months of the health or dental insurance policy. This is
common whether you receive coverage from an employer or purchase it
yourself.

Start Getting Quotes

Online health and
dental companies are dominated by traditional insurance companies, not
shady entities. These traditional insurance companies use the internet
to allow you to research their financial records, terms and conditions,
and customer service practices. The internet has also increased
competition between providers, resulting in more affordable options for
individuals and small business owners.

Comparing Quotes

When
you request a quote online for health or dental insurance, the company
will give you a base rate quote, what an average consumer will pay in
your area with average health conditions. The more information you
provide, the more realistic the quote will be. Base quotes allow you to
quickly compare plans and prices, without having to submit answers to a
tedious amount of questions.

The Official Quote

To
get an official quote, you will need to fill out an application with an
insurance company. Typically an insurance company will require access
to your health records, submitting to a medical exam, and providing
answers to a detailed questionnaire. The insurance company uses the
information to determine your risk to give you an official quote.

Once
you have an official insurance quote, the paperwork is practically
finished so you can quickly have health and dental insurance. The
entire process can take up about four weeks.

To view our list of
recommended companies online that provide health insurance and can help
you compare quotes, visit this page: Recommended Insurance Companies Online.





powered by performancing firefox

The Right Auto Insurance Can Save You Money!


The Right Auto Insurance Can Save You Money!



Auto
insurance is a protective feature that everyone needs who owns a car.
Auto insurance allows you to have financial coverage in case you are
involved in an auto accident; regardless of who is at fault. When
shopping for auto insurance keep in mind that rates will vary
dramatically for the same driver, depending on which company you ask.
The key to savings lies in comparing many auto insurance quotes, to
find the insurer that will give you the best rates.

If the auto
insurance company youre investigating is sound then its possible to
purchase cheap auto insurance coverage that will give you peace of
mind. Most states require you to purchase a minimum amount of auto
insurance. In order to even drive your car you need to have at least
liability insurance, in other words you have insurance to cover the
expenses of the other party if you cause an insurance. If you are at
fault in an accident, your liability insurance will pay for the bodily
injury and property damage expenses caused to others in the accident,
including your legal bills.

There are some insurance companies
that offer discounts to those drivers who put fewer than a
predetermined number of miles on their cars each year. Considering the
high price of gasoline, carpooling and taking public transportation
such as buses around town can help you save more than just premium
dollars.

Youll find that there are many places to locate cheap
auto insurance to not only save you money but to also give you adequate
coverage and protection.

Take your time to look around and youll find that you can save on your auto insurance rates.





powered by performancing firefox

Disability Insurance


Disability Insurance



Disability
insurance is a form of insurance designed to provide periodic income to
a policyholder in the event of his/her inability to work as a result of
sickness or injury. Disability insurance with coverage for periods
longer than six months is termed long-term disability insurance.
Typically, disability insurance policies are designed to pay forty to
sixty percent of an insured persons actual earnings on tax-free basis.

Disability
insurance may be purchased by individuals, provided by the government,
or included in insurance packages provided by employers. Most
employer-provided disability insurance coverage ends in the event of
termination or change of a job. Several states in the U.S. manage a
public disability insurance coverage scheme, which is funded by payroll
taxes.

Among the most important factors to be considered while
opting for a disability insurance policy are definition of total
disability and renewability. The three basic definitions of total
disability are own-occupation disability insurance, income-replacement
insurance, and gainful-occupation coverage. The basic types of
renewability features widespread in disability insurance policies are
non-cancelable and guaranteed renewable, guaranteed renewable, and
conditionally renewable.

Other fine points to be evaluated for a
disability insurance policy are residual disability insurance for
persons actively engaged in their jobs but restricted due to sickness
or injury; presumptive disability insurance that offers protection in
the event of severe disabilities; and recurrent disability insurance
for protecting against disability occurring soon after recovery from
disability. Details such as elimination period, benefit period, and
policy exclusions must be carefully addressed. Optional riders commonly
available with disability insurance are cost-of-living adjustment,
future-increase option, automatic-increase rider, and
socialinsurance-substitute rider, in addition to residual-disability
insurance.





powered by performancing firefox

Buying Used Cars


Buying Used Cars



When
looking to buy a second hand car you should be extra careful and
vigilant as purchasing a car from a private sale does not usually come
with the reassurance of a warranty.

Used cars have one major
advantage over buying a brand new vehicle and that is the price. Used
cars, even if only a year or two old are substantially cheaper than new
cars. From the moment a vehicle is driven off a dealer's forecourt the
depreciation begins and in the early days the price drop is
disproportionate to the vehicles actual wear and tear.

If you are
not mechanically minded yourself it is probably a good idea to take
someone, preferably a mechanic with you or better still instruct a
specialist engineer to examine the vehicle on your behalf. Although
this will increase your budget it will not only give you peace of mind
but will undoubtedly be money well spent if a serious problem is
discovered.

Take your time and do not rush into a purchase just
because you think you will lose the sale. Remember there are thousands
of used cars out there to choose from.

Decide on your budget and
stick to it! Make sure you have included tax, insurance and any
accessories you might need on top of the actual cost of the car in your
budget. Make sure you are buying the right car for your needs. If it's
a family vehicle you are looking for to ferry the kids around, do not
get carried away looking at two seated roadsters. It's easily done!

Make
sure you research thoroughly and buy several magazines and guides from
your local newsagent. This will help you have a better understanding of
prices and market trends, as you will find thousands of used cars
listed.

When viewing any used cars make sure you do it in the
daytime preferably at the seller's home address. Daytime viewings will
ensure that any defects to the bodywork are easily noticed and viewing
the vehicle at the seller's home address will give you an idea of how
the vehicle has been maintained. If the vendor wants to carry out the
transaction elsewhere demand that it is a public place. This is for
your own safety, as you do not know who you will be dealing with.

It
is quite normal for used cars to have had several prior owners so do
not be put of by this, but do check the cars log book and service
history carefully making sure the documents are in order and all the
dates and records check out.

Carry out a H P I check to verify
the cars history. You will be able to determine if the vehicle has any
outstanding finance or if it has been stolen. Also this check will
determine if the vehicle has been subject to an insurance write off or
if the mileage has been altered.

Ask the vendor as many questions
as possible about the cars history, especially the reason for sale.
That said; do not take any reply as an absolute truth!

Take as long as you want with your inspection

Checking the Interior

Ensure
all the electrics, including mirrors; windows and central locking are
in good working order. Test the seat belts click into their sockets and
retract properly. Check the wear on the foot pedals, as this will give
you an indication if the vehicle has covered an excessive amount of
miles. Lift any seat blankets, which may be hiding burns and stains. Do
not be afraid to check under floor mats and upholstery for rot and
corrosion. Feel around for any damp or water residue and when inside
have a good sniff for any mould or pet smells, as this is a sure sign
there may be stains or damp lurking somewhere.

Exterior inspection

Look
down the sides of the vehicle as some used cars would have suffered the
odd bump or two in their time. Check to see if the panels are in line
and free from any filer. Make sure there are no irregular gaps between
the doors, bonnet and boot. Check the colour match on each panel for
signs of a respray. Feel under the wheel arches and seals for signs of
rust.

Most used cars will need some money spent on them and
normally this will be tires and exhausts. The minimum tyre tread is
1.6mm so check all the tyres have at least this depth and factor
replacement costs into your budget if they are near the mark. Inspect
the exhaust, and check that it is not noisy or blowing.

The Engine

Check
the engine oil and ensure that it is brown and transparent. Make sure
the paintwork in the engine bay matches that of the cars exterior.
Check for leaks on hoses and pipes before and after the test drive.

When the engine is started it should idle smoothly. Listen carefully for any irregular rattles or grinding sounds.

The Test Drive

Do not be afraid to ask for a test drive, preferably with you driving the vehicle.

If
possible drive the vehicle on a variety of road surfaces so you can
feel the cars handling. Check the suspension is solid and the vehicle
holds a true line. Listen for any grinding when the steering wheel is
at full lock. Once the vehicle is moving listen for any irregular
engine noises.

Closing the Deal

Once you
are satisfied the vehicle is for you and it has passed the above checks
do not be afraid to haggle over the price. Most sellers of used cars
are prepared to negotiate over the original asking price. Where
possible try to get the seller to include any extras or accessories.

An important point to remember is not to feel pressured into buying a car no matter how good the sales patter is.

If you have any doubts about the purchase then DO NOT BUY as there are many other used cars out there to choose from.





powered by performancing firefox

Property Taxes and Your Personal Vehicle Save Money


Property Taxes and Your Personal Vehicle Save Money



In
some states consumers can expect to pay property taxes on their homes
as well as on their personal vehicles. Thats right, your 2004 BMW 760i
is a taxable commodity in some areas and it could be a bigger tax then
what you should pay. Are you paying the fair amount of taxes on your
vehicle or are you paying too much? Read on and well take a look at how
you can trim your automotive tax bite.

State law will differ, but
if your state is one that taxes automobiles you can expect a
significant hit every year, especially if your vehicles real value is
up there. There are two kinds of property taxes out there: real
property which includes homes, land, and the like and personal property
which includes your car, truck, van, and SUV. In some states trailers
and boats are also considered taxable real property, so your annual
bite could even be greater.

Again, you must learn how your state
decides its tax rate on your vehicle as it could spell the difference
in what you pay every year. While your BMW may be valued at $33,550 you
know that its real value is far less as you used your car extensively
for business trips. With 167,000 miles on the odometer, your BMW is
likely worth close to $18,000 with that high mileage taken into
consideration.

While real property tax assessments are not
updated annually, your personal property tax assessment should be.
Thus, every year you own your vehicle, your trailer, or your boat, its
value will decline. So, unless a state or county wide tax assessment
has been conducted, you can expect to see your taxes drop every year on
your existing personal property.

You can save money in your
jurisdiction if the state determines that your personal property is
assessed at is true value in money. This means that if you were to sell
your car, it would get X amount on the market.

So, if this should
be the case where you live, can you reduce your BMW personal property
tax burden? According to local law you should be able to do so.
Therefore, find out how you can appeal your taxes and what you must do
to obtain a reduction. It may involve simply bringing your car to the
tax office and letting a tax representative check your odometer. If it
is as easy as that, then you can expect to receive a nice reduction in
personal property taxes on the spot.





powered by performancing firefox

Cheap Motorbike Insurance: Ride Safe!


Cheap Motorbike Insurance: Ride Safe!



Whether
you are a moped rider or a motorcycle rider, you never know when your
luck will turn its back towards you and you get involved in some
accidents or mishaps. Other than this, your motorbike might get stolen.
God forbid if these unwanted things happen; but misfortunes never come
by giving you any sort of notice. The repairing or the replacing cost
of your motorbike might be a headache for you then. Instead, you can
take some preventive measures; buying a motorbike insurance which is
cheap and economical is one of them.

There are basically two types of cheap motorbike insurance policy:

1.
Specified rider policy: This policy specifically covers the rider, not
the bike. You can ride many bikes up to a particular size.

2.
Specified bike policy: This policy will insure the motorbike and not
the rider. If you want to insure a number of riders on the same bike,
this would be a suitable policy.

You can choose from these two
policies the one that will fit your budget the best. Again, there are
certain things that will affect your rate of premium. If these things
are taken care of, then you can significantly lower your premium and
thus avail cheap motorbike insurance policy.

Past driving
record: You can avail cheap motorcycle insurance if you have not made
any claims in the past for driving related accidents.

Security:
If you fit some security features in your motorbike like immobilizers,
alarms, steering locks, then you can easily avail cheap motorbike
insurance.

Type of bike: If your motorbike is a lower performance bike, then you can get motorbike insurance at a cheap price.

Garage and parking: A motorbike kept in a covered and a locked garage will result in significantly lower premiums.


Age: Apart from all these, a middle aged driver can get significantly
the motorbike insurance policy at a lower and a cheaper rate.

It
is important to look around and shop for your motorbike insurance a
little. Only through a detailed hunt for motorbike insurance, you can
locate cheap motorbike insurance. It is also advisable to read the fine
prints of the policy document. You should also choose a cover which you
can afford. Your search for cheap motorbike insurances has become
easier now with the availability of the internet facilities and the
online method of shopping for cheap motorbike insurance. You can
compare hundreds of such cheap motorbike insurance policies and buy the
one that fits your needs that best.





powered by performancing firefox

Exclusive Insurance Leads


Exclusive Insurance Leads



Exclusive insurance leads
are a sure fire way to kick start a stagnant month of life insurance
sales or health insurance sales. There are a number of insurance lead
generation companies that offer both exclusive life insurance leads and
exclusive health insurance leads.

The first and obvious benefit
to purchasing exclusive insurance leads as opposed to shared insurance
leads is that you are not competing directly against other insurance
agents for the same prospect. Common sense of course but not to be
overlooked is the effect that a herd of aggressive insurance agents
eager for a policy can have on an individual or family.

Exclusive
insurance leads will allow you to bypass many of the complications that
are sometimes associated with shared insurance leads.

If a shared
insurance lead is sold to let's say 5 insurance agents at the same time
and each agent makes it their practice to call on a prospect 5 times
and email 3 times to try and win the business then guess what? That is
already probably 20 to 24 calls too many for the taste of most
prospects ([5 agents X 5 phone calls = 25 phone calls] - 1 desired
phone call).And that is not even taking into account the annoyance that
some prospects have at being immediately deluged with phone call upon
phone call.

There are a few insurance leads companies that offer
exclusive insurance leads (most companies that offer exclusive
insurance leads offer both exclusive life insurance leads and exclusive
health insurance leads).

One thing that I have found very helpful
in testing out exclusive insurance leads and also shared insurance
leads is just to simply set up an Excel spreadsheet detailing my lead
purchases from muliple lead companies. After a month or two of
comparing lead close ratios and the dollar value of each lead it is
fairly easy to know which lead company or which lead type (exclusive or
shared) is offering you the best return on your investment.

Exclusive
insurance leads can make or break your online insurance marketing
campaign. If you put the time and effort needed from the beginning to
research the multiple exclusive insurance leads companies then you can
realize a handsome payoff on your purchase of exclusive insurance leads.

Compare
exclusive insurance leads from multiple companies (remember that some
lead generation companies may offer higher than average quality life
insurance leads and lower than average health insurance leads while
another company may offer extremely high quality exclusive insurance
leads and very low quality shared leads, etc.).





powered by performancing firefox