Insurance Information

When we first started our medical billing business in 1994 I had no previous experience at billing any medical claims, let alone secondary and tertiary. (You mean some people have 3 insurances?) I knew nothing. In fourteen years of billing I've learned quite a bit and I see from questions in our forum that many beginners do not understand secondary and tertiary claims billing at all.


When we first started our medical billing business in 1994 I had no previous experience at billing any medical claims, let alone secondary and tertiary. (You mean some people have 3 insurances?) I knew nothing. In fourteen years of billing I've learned quite a bit and I see from questions in our forum that many beginners do not understand secondary and tertiary claims billing at all.

As we enter 2009, some significant trends are impacting the long-term care insurance industry.Heightened consumer awareness, younger buyers, reformulated products and the intensification of multi-life sales -- have led to a steady growth of long-term care insurance policies. Despite some adverse factors -- in particular, the weakened economy -- we anticipate that sales for the just-ended year will be in the 385,000 policy (and group certificate) range, with premiums up several percent over the prior year. For 2009, our predictions all point to continued growth in the number of Americans who are purchasing this form of protection.

As we enter 2009, some significant trends are impacting the long-term care insurance industry.
Heightened consumer awareness, younger buyers, reformulated products and the intensification of multi-life sales -- have led to a steady growth of long-term care insurance policies. Despite some adverse factors -- in particular, the weakened economy -- we anticipate that sales for the just-ended year will be in the 385,000 policy (and group certificate) range, with premiums up several percent over the prior year. For 2009, our predictions all point to continued growth in the number of Americans who are purchasing this form of protection.

Imagine that a huge tropical storm struck your area. Your home and your car were insured, so they can be replaced. But did you have personal property insurance for your other important items?

This type of coverage is actually offered within your renters or homeowners insurance policy. What this does is cover all of the goods in your home that are not attached to it permanently. This would include objects like furniture, books, computers, clothing, and other appliances. For most carriers, you will be covered for up to forty percent of the value of your residence policy.

You probably own things like home, health, life, and car insurance policies. But do you have personal property insurance for the items in your home? Here is some information on how it works.This particular type of coverage is actually part of your home or renters insurance policy.

That is, if you opted for it when you were signing up. It can offer you protection on any items in the home that are not permanently fixed to the establishment. This would mean things such as electronics, books, clothing, and appliances. The majority of carriers cover up to forty percent of the amount that you have on the actual residence itself.

You want to get your home insured for a homeowners insurance. What would you do? The first option that would come to your mind would be to contact an insurance agent and get the policy form him with out knowing anything else about it. You have the policy and the agent is happy with his commissions. Well you need to know more about your homeowners insurance than that to avoid any kind of problems when it comes to making actual claims.

The best way to go about it is to do some research yourself. When you do this research you can consult the rating agencies of your state or even the internet can be a very good source of information. Find out what companies give the best deals out there and what kind of coverage they are giving, then the most important factor is to know about the service of the insurance company.

We all know what Auto Insurance is, but what is auto repair insurance?A lot of people insure their car(s), but don't insure the repairs that their car(s) will invariably need. You're probably wondering why people miss this vital step. The answer is because the average American hasn't had enough exposure to this kind of insurance, and isn't well-versed on the advantages of owning auto repair insurance. You see, after the warranty on your car has expired, this policy will keep you from high repair bills.How Auto Repair Insurance Works?

If you're entering the real estate market and looking to buy a home you are also going to have to look into buying homeowners insurance. If you're borrowing money to pay for a new home there is a very strong chance that your lender requires that you insure your home or they will not lend you the money. Whether you are a new home buyer looking to obtain coverage for the first time or you are a longtime homeowner looking to get a better deal on your coverage you may want to look into some homeowners insurance company ratings to help you make your decision.

If you own a home or are in the market to buy one you're going to need homeowners insurance, that's just a fact of life. But, most people are spending more than they need to for adequate coverage. A few minutes spent online doing some comparison shopping could save you a fortune. There is so much competition in the insurance industry today and so many different companies that want your business that spending a little bit of time to find a company with the best offer can save you a lot of money.

Many insurance companies currently use a computer software program called Colossus to evaluate the value of personal injury claims. How Colossus works is a mystery to the general public. Neither the insurance companies nor the developer of Colossus will divulge exactly how they determine their baseline values.

Essentially, this program is a database that evaluates claims based on information entered by the insurance adjuster.

Therefore, the evaluations can only be as good as the information that the adjuster enters into the program.

Auto insurance quotes are generally free so don't just take out an auto insurance policy based on the first auto insurance quote you get.

The best possible way for saving money on your auto insurance is to get at least three insurance quotes. Granted, getting multiple insurance quotes will take you time but if you compare your hourly rate at work to the amount you could save on your auto insurance I think you will agree that getting several auto insurance quotes is a valuable use of your time.

by Mike Newton

THE GOOD, THE BAD AND THE INSURED Mike Newton

Insurance talk? It is a dry subject, one that will make most want to reach for the pillow. However in a country where "lead floats and cork sinks", this seemingly mundane subject can present surprises and in insurance surprise is usually a dirty word. Although the nuances and peculiarities of Nicaraguan insurance are not as straight forward as one would hope; some basic knowledge will help you get on the right path. When shopping for insurance for your family, Nicaraguan home or car it is wise to keep in mind that many of the rules are not the same as at home. Knowing where some of the pitfalls are and how to avoid them is the focus of this article

NICARAGUAN INSURANCE COMPANIES Closely aligned with the banks and self-governing? Nicaragua has five insurance companies; four private and one public. The private companies, founded in the late 1990's, are owned or closely affiliated with local banks. It is no surprise therefore that the regulatory body for insurance, is basically a sub-department under the Nicaraguan banking commission, (SIBOIF). The one public insurance company was founded in Oct 1979, when all private insurance companies were nationalized and merged into what is now known as INISER.

The State insurance regulator has by law the task of regulating all aspects of the insurance industry. As a matter of practice, it does not get involved much with consumer to company complaints, but focuses more on company issues: such as capital requirements and the quality and type of re-insurance contracts the local companies use. In essence the industry is self-regulating in terms of claims paying procedures, interpretation of policy provisions, premium payments and other company client issues. Well meaning corporate intentions aside, some Nicaraguan companies do a good job and others don't. This is one of many reasons an honest, experienced insurance broker becomes a valuable mediator between the customer and insurance provider. A professional broker should be able to explain well beyond the details of this article, but this summary is a head start.

HOMEOWNERS INSURANCE My wife crashing through the garage is not covered, but 6% student mortar-fire is? The basic fire policy, which covers a structure in case of fire, lightning and explosion, is used in conjunction with the "optional" coverage to create insurance similar to a homeowner's policy like those in United States and Canada. What most would assume should be standard comes in an optional package called allied lines. This allows great price flexibility for the insurance companies to compete, but also could make many policies close to useless if cost is the only barometer. This allied lines package consists of insurance for earthquakes, tremors, volcanic eruptions, tidal waves, hurricanes, tornados, labor strikes, student riots, looting, collision damage to your home by cars or aircraft (other than your own), and incredibly, flooding. Even with an allied lines package, the rules of the game are often different. One example is that flooding in Nicaragua is covered opposite as it would be in a homeowner policy in the states. In Nicaragua water damage to a house is only covered if it comes in contact with the ground before it enters the structure. So leaks from the roof or water damage from a broken pipe in the ceiling are excluded under Nicaraguan policies. HOME CONTENTS When your gardener goes on vacation so does your theft insurance. The stuff inside your house, TV's, furniture, paintings can be insured under optional contents coverage. Contents in Nicaragua includes everything except; gold, silver, jewelry, precious stones, furs, paper money, stock certificates, checks, stamps, commercial documents, and the catch all "rare objects of art or collectables". Additional coverage included by some companies at no charge include medical payments for injuries to immediate family, and/or small liability coverage. Many of the insurance companies offer an option that protects your personal property and household items from robbery. Though somewhat incredulously if no one is home when your house is robbed then Nicaragua theft insurance is invalid. If you leave your home alone, it is not covered, although that's when you need the coverage the most.

REPLACEMENT VALUE OR ACTUAL CASH VALUE My home has appreciated and my insurance depreciated? In many countries insurance is based on the idea of replacing the loss. This concept is called Replacement Value. Nicaragua uses Actual Cash Value and most of the time value is established at the time of the claim. Sounds reasonable enough. However this can be problematic. First local companies apply a depreciation factor to the lost item. Secondly, as in the case with real-estate, the item insured usually appreciates so the declared value of a house in San Juan del Sur will generally increase over time not decrease.

A misunderstood and little known clause called "rule of proportional insurance" aggravates the idea of replacing your insured real-estate loss. Basically it states if the value of the insured house is higher than the declared amount in the policy, the insured is assumed to be a co-insurer by the percentage difference. Example: you insure your house for $100,000. Two years later it is worth $200,000. The percentage difference is 50% between the policy amount and the Actual Cash Value of the house. A damage claim for $20,000 would be paid out by the insurance company after deprecation and after subtracting 50% co-insurance. It works like this: $20,000 minus deprecation and minus the 50% con-insurer penalty. Truly bad news, but only for those who have not used a competent insurance broker, since the way to eliminate deprecation and the co-insurance penalty from your insurance policies is to have your broker get the insurance company to stipulate to an agreed upon value at the start of the policy.

AUTOS Accident after midnight? Sorry, we don't insure pumpkins. Auto insurance can seem like a no-brainer, with the significant difference being only the price, but this is not the entirely true. While there is considerable standardization in the auto policies each of the five Nicaraguan companies have their idiosyncrasies. One company, for example excludes coverage late at night, or in the early morning hours any where there is (in their opinion) not sufficient security. Seems arbitrary, yet another company has a clause which voids coverage if there is not a certain percentage of tread on the tires. All except one company exclude damage claims when your vehicle is towing a trailer.


Driving drunk, reckless and without a license? We cover that. Any road worthy vehicle is required by laws to have the minimum third party liability coverage called civil responsibilidad. While "road worthy" is a relative term in Nicaragua the small liability policy required by law is very well written with no exclusions. In many countries of the world auto insurance coverage is totally void if the driver has violated the law, by say being drunk, driving reckless, or without a license. Not in Nicaragua, the drunk driver who smashes into you with insurance will still have his company pay out the minimum amounts of the policy. However this applies only to the minimum liability, all other auto coverages; collision, robbery, and higher liability limits are void if an accident occurs while driver is deemed intoxicated, under the influence of narcotics or in the commission of a crime.

A FEW GOOD BROKERS Your parachute may have holes in it. The old adage about insurance being like a parachute... you don't care about it much until you need to use it ... and then hopefully it deploys holds true here as well. Claim disputes and misunderstandings between insured and insurance companies do occur. First there is no legal duty on the part of the insurance local companies to make sure the policies they sell actually are issued correctly for the risk they cover. A rumored internal audit of one national company's found well over half of the policies they have "on the books" are incorrectly insured. Some common errors are made for businesses run out of a house. Structures (homes) that are used for business purposes have a higher insurance premium than regular homes. Claims loss of these on these properties can be denied. Other frequent errors occur in Granada and Leon, where you have a mixture of adobe and block construction in the same house. Often times the policies are priced on cement block portion of the structure to achieve a lower premium for the homeowner. This practice will result in claim denial as these structures are not considered properly insured by the insurance company.

Compounding the situation is the fact the agents and brokers are not as well regulated and trained as in some other countries. All brokers are required by law to have a 100,000 Cordobas ($5,892) bond for malfeasance, but it is rarely used. Although liability for errors and omissions is a known concept in Nicaragua, pursuing a legal claim against an agent or insurance company in the overburden Nicaraguan judicial system is futile. So what can you do to make sure your insurance works when you need it? Shop around for a broker not insurance. Why? Because unlike other markets, local companies use the same rates for standard risks. For example, insurance for new residential construction cost $4.50 per 1000 of insurance. A house of 132,000 will cost 594.00 plus 15% tax and a small policy fee. There are some slight differences in auto policies pricing because of the different insured values the local companies assign to the vehicles.

A good intermediary can tell you which company is best for your auto, and often times may suggest a different company for homeowner's coverage. Having an insurance broker represent you costs nothing extra, because the commission paid by the company is built into the cost of the insurance. Understanding policy conditions and wording is the key to being insured correctly. Interview or meet with different agents or brokers then choose one to represent your interest to the five Nicaraguan insurance companies. Ask questions and don't assume something is covered just because it was in another local. Even knowledgeable agent may not know the answer off the top of his head, however, a good agent will acknowledge he doesn't know and will find out.

About the Author:

Warren "Mike" Newton with 26 years in the insurance industry, advises corporate and individual clients throughout Latin America and the United States. He is a licensed attorney, graduate of Loyola University Law School, and holds a Chartered Life Underwriters (CLU) degree from The American College, Bryn Mawr PA. Mike lives in Nicaragua with his family and is owner of the insurance brokerage firm CSISA, www.nicaragua-insurance.com

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by Joel Cohen

Many policy holders are unaware to the fact that they might be over paying their auto insurance. Any one who has a vehicle will agree that it is of their interest to insure their car for the cheapest price available and know that the services they receive for the price they pay are reliable.

So how do you do it? How do you get cheap auto insurance to go with a reliable service without going through too much hassle in the process? The answer is simple. It is all about understanding what you pay for and what type of coverages you really need as a policy holder.

Don't just pay for everything!

It is useless to pay for coverages that are not necessary. Let me explain with an example. Your car is not new, in fact it is old and you have calculated and found out that the car's value is worth less than ten times your premium. In this case there is no reason to have comprehensive coverage in your auto insurance. You ask why? The answer is simple, comprehensive coverage reimburses you in case of any damage to your car that is not a result of a collision with another car including, theft, flooding and fire. If your car is not of high value there is no reason to have this coverage. You might ask but what happens if someone steals my car? Well the best way to prevent theft is installing anti theft devices, they are relatively cheap and will last for years. Oh here is a little secret in case you didn't know: Once you install an anti theft device be sure that your insurance company will charge you less since they know that these devices will prevent theft.

Cheap auto insurance - Keep yourself updated!

It is necessary to constantly update yourself on auto insurance strategies. To save, once a while go online and freely fill out auto insurance quotes. Compare the prices you get and you will find that it is not hard to get cheap auto insurance. Some basic strategies you can apply here is to raise your deductibles. Raising them from $250 to $500 can save you as much as 10 % from your premium. Again pay attention to what kind of coverages you really need and go according to that.

When comparing quotes pay attention to the details you enter. Always enter accurate information about yourself. There are still tricks you can use here. For example: try to compare the male and female as main drivers that will help a lot. Depending on the type of car insured and the main driver insured you will find that you can save a sufficient amount using this method.

By using the few strategies pointed out in this article you will find that you can start saving hundred of dollars right away and in certain cases you won't have to shift to a different insurance company. Calculate and does some research browse the internet a good place to start with is: Cheap auto insurance - Helping yourself save

About the Author:

Adjustcredit.com is a Personal Finance Guide devoted to inform and educate. Our goal is to educate those who seek financial guidance and with this comprehensive guide we find our contribution to the community. For more unbiased Auto Insurance information visit Auto Insurance Guide

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by Ramzes Berezecki

There are several little things that determine the cost of auto insurance. When properly attended to these can significantly reduce the costs associated with insuring the vehicle.

Auto insurance is mandatory and many people treat the paying for it like a utility bill - something that just got to be done and the least bothered with the better. Therefore they just go to the same place year after year to pay for it, perhaps not realizing that significant savings can be realized otherwise.

One of the simplest that can be done is just having a look around for what is available out there. Getting a few quotes from competing insurance companies might take a bit of foot work, driving around or calling. But also with the current proliferation of Internet it is ever so easy to check out everything from the pleasant and easy reach of your computer.

One of the things insurance companies often do in determining the client's cost of the insurance premium is looking up his or her credit history. So having it improved can obviously save money. Credit management is a whole other topic but briefly here - anyone is entitled to free credit score report on oneself up to once every 12 months. Each of the credit reporting agencies being Equifax, Experian, and TransUnion are obligated by law to comply with such request.

How can one improve the credit score? Naturally paying all the bills on time will have the biggest impact. Also each of those reports will contain the positive and negative information determining the overall score. Some of such can be erroneous and if so can be removed by one of the above companies. Also switching to new auto insurance after any particular derogatory remark in the report expires - as these all do - will have a positive impact on the insurance premium paid.

As a side note I will add that, at least for the insurance purposes, the basic credit score from the above agencies is all that is needed. Some other companies can sneak one into paying 'member fees' for a free report or even those ones I mention charge for the report if ordered through internet - but again the cost of a postal stamp is all that is required to get it.

And another thing to observe when shopping for insurance or particularly when buying a new car is that the insuring companies rate different models of vehicles in their own specific ways. For instance cars that have parts which are costly to replace will lean towards having higher insurance premiums. In like manner, autos that show in the stats to be stolen more often will also have their insurance costs going up compared to others.

About the Author:

Ramzes Berezecki is recognized for his informative writings relating to classic car insurance and discount car insurance . Feel free to to visit his blog at http://autosure.blogspot.com

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by Dean Cecere

When it comes to shopping around for car insurance, there are many considerations to keep in mind. Whether you are a new driver or have many years of driving experience, now is as good a time as any to understand how insurance companies evaluate you in order to come up with a premium for your vehicle coverage policy. This is particularily important if you are shopping around for the cheapest car insurance, and why shouldn't you? Basically, according to many auto insurance professionals, the following is a list of the top 10 factors affecting your insurance premiums for auto protection.

1. Year, make and model of vehicle: The more a vehicle costs to repair will be more expensive to insure. Fast sporty cars will have a heftier premium than a 4 cylinder sedan, as will cars that are prone to theft, as well as newer vehicles.

2. Gender: Unfortunately, this is one you have no control over. Statistically, females have less collisions than male drivers.

3. Vehicle usage: Do you commute to work, or is the car used mainly for pleasure? How much mileage do you drive yearly?

4. Age of driver: According to insurance professionals, younger drivers pose a higher risk level. The more years you have been insured consistantly, the lower you can expect to pay.

5. Past claims: Companies look at your past driving record, especially if you have made claims in the past. If you have been involved in accidents, and have been found to be at fault, you will be considered a high risk driver.

6. Offenses and traffic violations: Insurance companies reward safe drivers with lower policy premiums. So make sure you keep those traffic offences to a minimum.

7. Where you live: If you live in an area where the crime rate is high and there is a higher chance of theft and vandalism, that risk will cause your coverage to increase.

8. Drivers education or training: If you have taken a course in drivers Ed, this will help lower your cost of insurance.

9. Coverage type: The more coverage you have, the greater your fees become. Normally, newer vehicles require more coverage. Liability, collision and comprehensive, fire, theft and vandalism are among the most popular options. By law, you are obliged to have liability coverage, but anything more is all up to you to decide whether it is necessary or not. It is important to wisely weigh your options.

10. Deductibles: This is where being a good driver can pay off for you. The safer driver you are, the less likely you are of being at fault in accidents. Choosing a higher deductible can lower your premiums a considerable amount, however you should make sure that if you do have to make a claim, you are able to cover that deductible amount.

As you can see, there are many elements affecting the premium you can pay for vehicle protection, which may explain why you are paying more or less than your next door neighbor. Even with all of these things in mind, it is important to shop around for the cheapest auto insurance, and this is easier than you may think. The internet is full of insurance websites offering free auto insurance quotes making it easier than ever to compare rates, and make your choices based on these comparisons.

About the Author:

Dean Cecere is Primary author and owner of Insurancecoverage-quotes.com
Where you'll find insurance resources, information and articles to help you with your coverage needs, as well as
Free Auto Insurance Quotes

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by Henry Bell

Have a car? Then why not buy a car insurance policy! This policy will make sure that on any instance of accident or mishap; you can conveniently repair it or even purchase a car again without paying out much from your savings account. To avail a car insurance policy, you need to collect different free car insurance quotes from the car insurance providers.

Accidents, injury, mishaps--- are too dark references to mention and God forbid if any such things happen to anyone. But it is a fact that, these incidents might happen to any person on this planet. The wise thing is to handle and control these situations, instead of crying over spilt milk. Same is the case with cars--- a car might get stolen or get damaged because of accidents. Again you might also get injured or you might harm someone while you are on your joyful drive. These situations can trap you in any sort of hassles or legal liability and take away peace from you life. But with car insurance you can get out of this trap easily and comfortably. And a free car insurance quote will help you in availing this car insurance policy.

Unless and until you search the market, you will not get a policy that will suit your needs perfectly. So go searching now! You can take different car insurance quotes from a range of car insurance providers. If you are thinking that obtaining different car insurance quotes can cost you hundreds of pounds; then shrug off this tension from your life; because car insurance quotes can be availed for free.

With internet facilities, you can easily acquire information about various car insurance policies. The insurance companies have now established their own websites where they have put all the required amount of information regarding the coverage of car insurance policies. So you can visit these websites and accumulate the required information. Apart from information, you can obtain various car insurance quotes for free from these websites. And when you are contented that a particular policy is up to your expectations, you can, then and there buy that policy. Therefore obtain car insurance quotes from the internet for free and choose a suitable car insurance policy for you and your cars.

About the Author:

Henry Bell is an author who can certainly identify the kind of insurance that you will need. He is proficient in the insurance world; he is an MBA(finance) from University of Oxford. Insuranceb endeavors to find the best possible deals for its customers. To find Free car insurance, Home owner insurance, Van insurance, Motorcycle insurance, Holiday insurance, Pet insurance visit http://www.insuranceb.co.uk/

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by Henry Bell

Obtaining online home insurance quote is the best way to select and purchase a home insurance policy. Home insurance is a paramount requirement for those people who own a house or has given his house for rent. You save pounds after pounds to invest in your homes. Therefore you should make sure that it is taken of properly. And if some damage is done to your homes, you can easily, without spending much from your pockets, rebuild it or replace the contents of your homes.

There are different types of home insurance policies:

* Building insurances: to cover the building structure of the homes including garages, sheds, fences etc.

* Home contents insurance: to cover the belongings of the house if some damage is done to them because of fire, water, etc.

* Legal protection/ liability cover: anyone can get injured in your homes. To overcome any hurdles arising out of this, you can get this cover.

All these covers can be fully understood by getting quotes from different companies. No money is spent in procuring these quotes. So without any financial constraint you can compare these quotes and get the best one for you.

To find a suitable home insurance policy, it is advisable that you obtain various quotes from different insurance companies and later on search for the home insurance policy that will fully fit in to your financial status. You can compare these home insurance quotes, how much they will cost, how much will they cover etc. Since all these come for free, you can do it without spending any money from your pockets.

Many insurance companies now have their own websites. All the information required by any customer is available on their websites. So just by sitting in front of your PC and browsing though the pages, you can acquire all the required information about your home insurance policy. These companies will provide free home insurance quotes online. What you can do is that you can compare different quotes as provided by different companies through this online method. This comparison of different home insurance quotes online is just the work of a few minutes. This online method of acquiring quotes has made the lives of all people easy and comfortable. So you cannot afford to wait any more; get a home insurance quote online and locate all by yourself a perfect home insurance policy.

About the Author:

Henry Bell is an author who can certainly identify the kind of insurance that you will need. He is proficient in the insurance world; he is an MBA(finance) from University of Oxford. Insuranceb endeavors to find the best possible deals for its customers. To find Home insurance quotes online, Home owner insurance, Van insurance, Motorcycle insurance, Holiday insurance, Pet insurance visit http://www.insuranceb.co.uk/

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by Raul Tejeras

Austin is known as one of the best places to live and work in America. As more and more people discover this and move to Austin there are more people driving on I35 and getting into wrecks and keeping you stuck in traffic.

How to get the best car insurance rates in Austin.

Slow down - speeding tickets may seem harmless until your rates go up. Insurance is based on risk and tickets are a risk to an insurance company. Do what you can to avoid getting a ticket on your record. It can hurt your insurance for 3 years. In your hurry to catch the UT game you'll end up paying for it for much longer if you speed and get caught.

Take defensive driving to keep the ticket off your driving record. Your record will stay clean and you'll also get a discount on your insurance. Send your agent the certificate. Just don't mention anything about the ticket. Also you can ask for Deferred Adjudication or probation.

Don't drink and drive - DUIs and DWIs are very expensive. Want to see your rate easily double, triple or more? Get caught drinking and driving and you'll see it in more ways than one.

Practice safe driving habits. Keep a safe distance. Traffic on 35 can halt to a standstill in a second so pay attention. Get off the phone and keep your eyes on the road. Maintain a safe distance or else you could easily end up rear ending the driver in front of you and you will miss the latest Austin City Limits Festival. And then you'll pay for it for at least 3 years as your premium jumps up.

If after practicing these three methods you still don't have Austin's best car insurance rates then it's time to shop around. Like most major cities there are many car insurance companies competing for your business in Austin. The more Austin grows, the more companies and the more competition. The more competition the better. And a good driver like yourself can shop around and get the best rates. If it's been a year or two and your insurance premium has not gone down then it's time to compare rates.

Your best bet is to compare multiple insurance quotes from many companies. Check out insurance.com - one of the biggest comparision sites to help you get the best auto insurance rates.

To sum up, obey the speed limit, don't drink and drive, practice safe driving habits and shop around for the best rates. Follow these simple steps and you'll have Austin's best car insurance rates.

About the Author:

Raul Tejeras runs Best Cost Car Insurance, a site helping smart consumers get the best insurance rates. Get your special reports on getting Austin's best car insurance rates online from a ex-insurance rep.

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by Morgan Hamilton

Do you know anything about auto insurance companies? It is important to know something about them, even if you don't own a vehicle right now. If you live in the city and have no need for a car, a car may become a necessity when you have to move from the city. Almost everyone drives a vehicle, even if a person can go through life without driving. This is the reason why stiff competition exists among auto insurance companies.

Auto insurance companies have a lot of advertisements on television that are vastly different in appeal and target different audiences. A product usually targets a particular age and gender group that receives their ads accordingly. However, this is not the case with auto insurance companies because they have to target everyone. This is why their ads are so diverse and are on at all times of the day. Their success depends on the effect of the huge number of different ad campaigns on every age group and gender.

However, people can easily get confused because of the overwhelming ads they receive from auto insurance companies. They have to determine which company is really the best. We all know that it is nearly impossible to find the best deals. We all want to save money, but the location, automobile, and driving record all play a part in how much we pay. Since each individual will have a different story when it comes to what they need and how much it will cost them, the auto insurance companies can't promise the best deal to everyone.

Some auto insurance companies offer to compare prices for their costumers. However, a lot of people are unconvinced with these offers, although it sounds good in theory. People are suspicious of the accuracy of the quotes that are from other companies. For instance, a car insurance company may give a customer four quotes from other companies. The problem with this is that that it is impossible to know if they have selected the highest quotes and left off the ones that might truly save you money, because there are so many companies out there. Checking it out for yourself is the best way to get the best prices.

About the Author:

Morgan Hamilton offers expert advice and great tips regarding all aspects concerning Auto Insurance Companies. Visit our site for more helpful information about Free Car Insurance Quotes Allstate and other similar topics.

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by J Andrew Morrison

If you're like I was it's because you haven't at what you gain by getting an online quote for insurance.

Getting an online auto insurance quote provides huge benefits even if you don't change companies.

The benefits of getting a car insurance quote online go beyond just saving money. It takes only a couple of minutes to check the rates, and no matter what happens those few minutes will make you feel good.

Think about it, there are only 3 outcomes, all of them are good, and it only takes a couple of minutes to accomplish:

1. You don't find a company offering better insurance rates. You've spent only 15 minutes or less to find you actually have the best deal possible and can feel good about it.

2. You find a lower rate for auto insurance but don't want to switch. You now feel better about continuing business with your current insurance provider because you've proven to yourself the company you're with services beyond just the rates they offer. You might even be able to set aside some resentment you're carrying about little quirks in the company; like how they send out late notices when you've payed on time. This second result applies to my experience in getting a car insurance quote online.

3. You discover a company you trust is offering big savings over your current insurance premiums and you switch. Now you feel good that you were able to take action and make a positive change in your life. And you've paid yourself handsomely to do so.

The most valuable resource we have is time. There are really only two reasons we should spend our time, to profit, or to feel good. Feeling good about the time you spend is a huge benefit in any endeavor. If you experience the results described in 1 or 2 you benefit because you feel good with very little time spent; it was not time wasted.

With the third result also feel good, so you haven't wasted your time, AND you've paid yourself a huge salary. Even if it takes an hour for the entire process of switching from one car insurance company to another and you save only $200 per year, you've just paid yourself the hourly rate of a good attorney. And if you keep the insurance for 3 years you've paid yourself $600 for that 1 hour of work.

So now you're at the end of this article and I have to ask, do you feel good? good enough to feel you haven't wasted your time? I would think not. You've come this far so I can only assume you have some interest in getting a car insurance quote online, but this article will do you no good unless you take action on it. So go make yourself feel good, and possibly pay yourself well for the time spent, and get a quote today.

About the Author:

My name is J. Andrew Morrison, I am an Internet junky. Here is a place I found giving fast access to: online auto insurance quotes :for your state. Just pick your state and find the company best for you.

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by Jenny Black

Many households in UK own a cat; in fact UK is considered a nation of pet lovers. But like other animals, a cat can also fall ill or meet with an accident. It is estimated that almost 50% of the cats in UK want a medical treatment of a high cost. Apart from emergencies, a cat needs regular vaccines and routine checkups. But just like the rising cost of medical bills of humans, the cost of cat's treatment is also on a rise. This unexpected medical bill can put a serious dent to your household's monthly budget. Therefore, cat insurance is a must for all cat loving human beings. Apart from its health issues, a cat also can get stolen or lost. And we all know how much does it cost to buy a cat in UK. Obviously we do not want to shell out hundreds of pounds again to buy a cat. Here also, a cat insurance policy can save you from this unexpected loss. All you need to do is to pay a certain amount to the insurance company as premium and the insurance company will provide you with the coverage for your pets.

A cat insurance policy is a necessity because, the government does not provide for health facilities to a cat for free unlike human beings. Therefore by buying cat insurance for your cats you can free yourself and also your cats from any financial constraints.

Cat insurance comes with certain restrictions, like pre-existing health conditions will not be covered by your cat insurance provider. So it is highly recommendable to read and re-read the insurance company's brochure. You should ask the insurance provider if there are some doubts in your mind regarding the amount of coverage. You need to provide to the insurance provider some information about your cat, its age, its breed etc. Apart from that you need to consider certain questions before buying cat insurance, like the rate of premium, amount of deductibles, amount of coverage etc.

With internet facilities you can easily search and locate cat insurance policies. You can compare hundreds of such companies that will provide you with cat insurance and later on you can choose the best policy from among them. Most companies offer discounts if you buy cat insurance from them through the online method. You can easily and conveniently get it delivered to your door steps by applying online. So get a cat insurance now and show that you care for your cats.

About the Author:

Jenny Black is the financial analyst at Health Insurance UK. She is providing independant insurance and financial advice on health through her informative articles. To find more about cat insurance policy, medical health insurance, Cat insurance, international students, car insurance, pet insurance visit http://www.healthinsuranceuk.org.uk/

Learn more about Insurance : http://www.topofbusiness.net