Insurance Book: The Insurance Maze: How You Can Save Money on Insurance-and Still Get the Coverage You Need By Kimberly Lankford
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Insurance Book: The Insurance Maze: How You Can Save Money on Insurance-and Still Get the Coverage You Need By Kimberly Lankford
You're not alone. In addition to taking a bite out of our budgets, insurance may be one of our most perplexing purchases. Kimberly Lankford, Columnist for Kiplinger's Personal Finance, gives us the ins and outs of the insurance business. Some of you may have read the review I wrote of[...]The FIT Chapter of that book is about saving money in food, insurance and telephone purchases ... a category which eats about [...]of the average American family's budget. This book takes the insurance category a step further, telling us how to save money in each of these categories: health insurance, homeowners insurance, auto insurance, life insurance, long-term care insurance and disability insurance. Harvard Law and Medical Schools conducted a study which proved that nearly half of all Americans who file for bankruptcy do so because of medical expenses. Most of us might conclude that these Americans obviously didn't have health insurance. Here's the shocker . . . ¾ of these people had health insurance. It isn't enough just to have health insurance - you need to have the right coverage at the right cost. Health savings accounts lower premiums, save big money in taxes and help you build up a retirement stash. To make the most of your health savings account, toss the debit card and don't use the money for current expenses. Instead, keep enough money in a money market account to cover your deductible. Retirees can get big benefits from an HSA. For those of you over 65, be sure to check out the government's online calculator at[...] to find the plan that will cost you the least. Homeowners Insurance - In this category, most people are underinsured because they don't change the amount of their insurance coverage as the value of their home increases. Think an insurance company can't drop you for filing a claim? Wrong!!! Filing even several small claims can get your coverage dropped. To make matters worse, insurance companies share info through a giant database called CLUE (Comprehensive Loss Underwriting Exchange). A California study found that 62% of the top 13 companies refused applicants with just one or two claims in the past three years. Everyone should have at least a[...]deductible, and just cover the value of your home not including the land. In the event of a fire or other loss, you would still have the land and would be able to build a new home on it. Many people deduct the cost of a home office, not realizing they potentially lose more money than they save because of the automatic loss of a huge chunk of their coverage for the office in the home. Everyone should buy an umbrella policy, which costs very little for a lot of coverage. Auto Insurance - Kim tells us "One of the easiest ways to free up more than [...] from your budget is to attack your auto insurance." Shopping around can save you a bundle in this category. You should look at deductibles, discounts, redundant coverage, and your credit score. You may not realize that your credit score affects your auto insurance price. As it turns out, people with poor credit scores are more likely to file auto insurance claims. These are just a few of the many helpful tips offered in this book. Don't be a mouse . . . become the master of the insurance maze. Your budget will thank you at the end of the year. http://astore.amazon.com/bestbooksreference-20/detail/1419526944
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