When you need to talk, there are those that will listen

Things than make you go: hmmm...

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'Whatever you give a woman, she's going to multiply.
If you give her a house, she'll give you a home.
If you give her groceries, she'll give you a meal.
If you give her a smile, she'll give you her heart.
She multiplies and enlarges what is given to her.'  
So - if you give her crap,
you will receive more sh-t than any one human being can handle.
Lower Insurance Rates -- 4 Proven Tips For All Policies

Different tips work for different policies. However, some work across all policies. I'll spend some time on tips that work generally...

1. If you want a discount, get your health insurance policy from the same insurer you bought existing policies from. This is called a multi-policy discount.

On the other hand, all the amount you may get as discount may still pale into significance if weighed with savings you'll make by getting your policies from several insurance companies.

2. Are you aware of all the discounts that your insurance carrier offers? Your agent could, by commission or omission overlook some discounts that you are eligible for. You will discover simply by telling your agent that you want to be sure you've been told about every discount possible for your profile. You might get a really pleasant surprise!

3. Paying your premium yearly will attract more affordable health insurance rates than choosing monthly payments. You might be sold that monthly paymenst are convenient but what you don't know is how much more you pay for this..

If you do transactions with banks you'll agree with me that each check you process is considered transaction which attracts charges. .While a yearly payment attracts just one check and therefore one transaction per year, monthly payments attrract twelve. You'll then have to pay the total of 12 transaction charges..

Apart from this there are also administrative costs that are incurred due to the monthly payment option. For example, it costs some money to send payment notices each and every month.

These costs plus a profit margin for this this "value-added service" is included in your health insurance rates making it higher than a similar profile that pays yearly every year.

4. Shopping has always been a great way to ensure the best deals.. You will start your shopping right if you make inquires from friends about their experiences with various health insurance companies.

Doing this helps you avoid being led to just the company with the biggest hype but to the insurer that offers the best price/value. A friend is more likely to tell you if they had an unpleasant experience with a company.

If you inquire from your friends and acquaintances you will make it less likely that you'll get a terrible deal.

5. You will save much by visiting not less than 5 insurance quotes sites. That way, you will be able to get the lowest quotes available as five sites will give not less than 25 quotes altogether.

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