1. Buy Your Auto and Homeowners Insurance with the Same Carrier
Many insurers will give you a break if you buy two or more types of insurance like auto and homeowners. You may save money if you insure all your vehicles, including trailers and recreational vehicles, on a single policy. You may also get a reduction if you have more than one vehicle insured with the same company.
2. Pause before paying extra for roadside assistance. It might be good to line up a roadside assistance plan elsewhere because a tow could increase your auto insurance premium and might even affect your eligibility for coverage.
3. Consider Raising Your Deductibles
When selecting car insurance, you can typically choose a deductible, or the amount of money you would have to lay out before insurance picks up the tab in the event of an accident, theft or other type of damage to the vehicle. Depending on the policy, deductibles typically range from $250 to $1,000. The catch is that, generally speaking, the lower the deductible, the higher the annual premium. Conversely, the higher the deductible is, the lower the premium.
4. Improve Your Credit Rating
A driver’s record is obviously a big factor in determining auto insurance costs. After all, it makes sense that a driver who has been in lots of accidents could cost the insurance company lots of money. However, folks are sometimes surprised to find that insurance companies may also consider credit ratings when determining insurance premiums.
5. Keep A Clean Record
It should go without saying that the more accidents or moving violations an individual has, the more he or she will tend to pay in terms of annual premiums. For those unaware, points are typically assessed to a driver for moving violations. Generally speaking, more points can lead to higher insurance premiums (all else being equal).
Real Quotes for Real Life
All our quotes were based on a 25-year-old woman named Ima Insure. She’s a non-smoker in good health, and she owns her own home. She also owns a 2008 Camry and has a good driving record. Ima’s name may be made up, but her stats are as real as it gets.
Auto Insurance – Now it’s time for Ima to shop for coverage on her Camry. At one big-name auto insurer, she would pay $126 per month. But our independent agent found five policies for less than that, starting at $100 per month. We checked another online insurance company that claims to save its customers an average of about $500. But their insurance would have cost Ima nearly $300 more per year.
Homeowner’s Insurance – Quotes for homeowner’s insurance were closer, with only about $45 difference between the larger firm’s price and the lowest price our broker provided in an apples-to-apples comparison. But our broker also gave Ima quotes for three other policies with higher premiums she could check out.
Here are some tips to consider when choosing a health insurance level: Insurance carriers do not have to offer all of the level plans.
• If you expect a lot of doctor visits or need regular prescriptions: You may want a Gold plan or Platinum plan. These plans generally have higher monthly premiums but pay more of your costs when you need care.
• If you don’t expect to use regular medical services and don’t take regular prescriptions: You may want a Silver, Bronze, or Catastrophic plan. These plans cost you less per month, but pay less of your costs when you need care. You must meet eligibility requirements to purchase a Catastrophic plan.
• If you qualify for savings on out-of-pocket costs: Most people will need to enroll in a Silver plan if you want to take advantage of these savings. If you qualify for “cost-sharing reductions” based on your income, you can have a lower deductible and pay lower out-of-pocket costs when you get care – but only if you enroll in a Silver plan.
• If you’re under 30 or have a hardship exemption and want low monthly premiums: You may want to choose a Catastrophic plan designed to protect you from worst-case scenarios, like serious accidents or diseases. These plans generally have the lowest premiums, but pay the lowest share of health costs.
Do you still need health insurance?
Important dates for 2016 enrollment
Traveling or living abroad can be an exciting experience. But anything can happen. So you can get the most of your global experience, when the Unexpected occurs, IMG is there for you. For more than 20 years, we have been providing the Solution for international insurance needs. It’s our specialty.
| THE SITUATION | THE UNEXPECTED | THE SOLUTION |
| A U.S. citizen traveling on a month-long European getaway. | While visiting Italy, the traveler becomes ill with abdominal pains. After several doctor visits, it’s determined the traveler has appendicitis and requires emergency surgery. | IMG’s short-term Patriot products offer benefits that protect U.S. and non-U.S. citizens away from home and ease the stress of unfamilar medical systems. |
| A business executive who maintains multiple countries of residency, needs a full range of benefits that travel with him. | While arriving to his business meeting in Prague, the executive realizes that several travel documents and his passport were misplaced somewhere along the way. | Among a variety of services offered, IMG’s Global Concierge and Assistance Services and Emergency Travel Assistance assists in reporting and the retrieval of lost travel documents. |
| A missionary group heads to India for 12 months of mission work. | While building a church, several members of the group need to return home to raise the support to continue the work they set out to accomplish. | IMG provides several Mission specific plans which provide the valuable furlough and deputation benefits a missionary needs. |
| An expatriate living in Asia with his wife and three children. | After living abroad for several years, his one-year-old, otherwise healthy, daughter suddenly becomes violently ill. It is determined she has a brain tumor and needs surgery, but the surrounding medical facilities aren’t properly equipped to perform the surgery. | Emergency Medical Evacuation benefits under IMG’s Global Medical Insurance provide access to care when an insured needs it most. During the emergency, IMG will coordinate the evacuation and continue to monitor the treatment once at the receiving hospital |
Would you leave home for an International trip without health insurance?
Are you travelling on a Short Term Missions Trip, Work or Vacation?
Most health insurance policies do not provide coverage for you when leave the USA.
At an affordable price, International Medical Insurance covers:
Individual Expenses
Trip expenses
For more information click International Medical Coverage
Use the table below to see if you will qualify for a subsidy to help pay your health insurance premiums.
2013 Federal Poverty Guidelines
48 Contiguous States and DC
Note: The 100% column shows the federal poverty level for each family size, and the percentage columns that follow represent income levels that are commonly used as guidelines for health programs.
|
Household Size |
100% |
133% |
150% |
200% |
300% |
400% |
|
1 |
$11,490 |
$15,282 |
$17,235 |
$22,980 |
$34,470 |
$45,960 |
|
2 |
15,510 |
20,628 |
23,265 |
31,020 |
46,530 |
62,040 |
|
3 |
19,530 |
25,975 |
29,295 |
39,060 |
58,590 |
78,120 |
|
4 |
23,550 |
31,322 |
35,325 |
47,100 |
70,650 |
94,200 |
|
5 |
27,570 |
36,668 |
41,355 |
55,140 |
82,710 |
110,280 |
|
6 |
31,590 |
42,015 |
47,385 |
63,180 |
94,770 |
126,360 |
|
7 |
35,610 |
47,361 |
53,415 |
71,220 |
106,830 |
142,440 |
|
8 |
39,630 |
52,708 |
59,445 |
79,260 |
118,890 |
158,520 |
|
For each additional person, add |
$4,020 |
$5,347 |
$6,030 |
$8,040 |
$12,060 |
$16,080 |
Use the table below to find out when your coverage will start. You can make changes as long as your plans coverage hasn’t started – but any changes you make may change your coverage start date. For example, if you want your coverage to start on March 1, 2014, you should confirm your plan(s) by February 15, 2014. The earliest your coverage could start if you make changes after that date is April 1, 2014.
Coverage Start Dates
\t\t\t\t\t\t\t \t\t\t\t\t\t\t
|
If you confirm your plan(s) between these dates: |
Your coverage start date will be*: |
| Oct 01, 2013 – Dec 24, 2013 | Jan 01, 2014 |
| Dec 25, 2013 – Jan 15, 2014 | Feb 01, 2014 |
| Jan 16, 2014 – Feb 15, 2014 | Mar 01, 2014 |
| Feb 16, 2014 – Mar 15, 2014 | Apr 01, 2014 |
| Mar 16, 2014 – Mar 31, 2014 | May 01, 2014 |
*To activate your new health coverage, you must pay your first months premium by your plans due date. Your plan will contact you in the next few days on how to pay, or you may visit your plan online to make your payment if your plan accepts online payment
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