Cheap Insurance for Your Home, Automobile, Health, & Life:
By several measures, insurance for you, your family, your home, and your car continues to rise at the fastest rate in our history. In 2005 (the latest year data are available), total national health expenditures rose 7.9 percent – more than three times the rate of inflation. Nearly 50 million Americans are uninsured for healthcare. According to Insurance Information Institute projections, the average annual expenditure for auto insurance in 2006 was $851. Millions of drivers have no auto insurance. The average expenditure for homeowners insurance was $729, according to a February 2007 report by the National Association of Insurance Commissioners (NAIC).
Insurance takes a huge bite out of the average American’s monthly budget, and as stated above, many Americans simply forgo insurance because they consider it out of reach. Shopping for insurance requires more effort than many people want to devote to it. They simply grab the first price they come across or accept routine rate increases when it is important to compare not only the price but also coverage and exclusions among carriers.
In this easy to read and comprehensive new book you will learn hundreds of ways to secure and or reduce your health, automobile, life, and home insurance costs. If you do not have or cannot afford insurance, we will show you how to get it at a price you can afford. The Internet and technology have opened up a great new way to search for low cost insurance services; we will give you the Web sites, tell you what to look for and to look out for.
There is a great deal you can do right now to cut insurance costs. For example, did you know that installing a theft tracking device in your car can save you up to 35% on your auto insurance and that your credit history can dramatically affect your auto insurance premium. Recent studies have shown that more than 90% of insurers use credit information to create an “insurance risk score,” which they then use as a factor to determine your insurance rate. Add a simple home security system to monitor your home, and your insurance rates may be discounted up to 30%, depending upon where you live. Your insurance could end up costing you more if you choose to make monthly payments rather than pay the entire premium annually. Notify your agent if you retire, your children go to school, or you start working from home (when you’re not traveling as much your rates will go down). Have you stopped smoking? Lost weight? Started exercising? All of these efforts can have a dramatic effect on your insurance rates.
Insurance topics covered in this book are How Insurance Works, Insurance Company Rating, National and Local Firms, Auto, Health, and Disability Insurance, along with work sheets and forms to assist you in your search for the best coverage at the lowest price.
Please visit our web site http://www.atlantic-pub.com/ .
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Comment by Firdauns — March 30, 2008 @ 3:02 pm
“Cheap Insurance for Your Home, Automobile, Health and Life” by Carla and Lee Rowley is an excellent resource for anyone. This comprehensive book is written in an easily understandable tone in such a way as to demystify the insurance process. Carla and Lee Rowley start by explaining why you need insurance and go on to tell how to choose an Agent. They fully explain the each type of insurance and additional coverages that may be available. This book includes Home insurance and how that may affect your Home Business. They further go on to explain automobile insurance and list state-by state requirements. This book also contains a very helpful section on Health Insurance, both Employee sponsored and health insurance for the self-employed. “Cheap Insurance” ends with a detailed chapter on Life Insurance. The back of this book contains useful links and case studies.
I found this book to be well written and easy for the non-insurance person to read. The Information in this book will be an invaluable resource to individuals and families alike. I would highly recommend that this book be added to any home reference collection.
I rate this book 5 out of 5 stars.
Comment by Treasa Esposito — April 24, 2008 @ 9:42 am
Forays into the complex world of insurance can be baffling and intimidating for the under-informed, and anyone seeking to get coverage without doing their homework can be in for trouble. In “Cheap Insurance For Your Home, Automobile and Life,” authors Carla and Lee Rowley tackle the imposing task of explaining this complicated world and showing readers how to keep the upper hand from the minute they start looking for policies.
With easy-to-understand explanations, this book takes on homeowners’ insurance, automobile insurance, health insurance and life insurance. Each chapter is full of tips and little-known facts (students with good grades may be eligible for car insurance discounts; old plumbing may disqualify your house from coverage) as well as advice on avoiding surcharges and how to use the Internet and independent agents to find the best deal.
Perhaps the most useful aspect is the detailed information on how insurance policies are structured and how people in the business think. Chapter by chapter, “Cheap Insurance For Your Home, Automobile and Life” assures that its readers will never be caught off guard in their agent’s office.
Comment by A. Marra — April 28, 2008 @ 1:10 pm
Despite a misleading title (no insurance is cheap!), this book discusses the most important types of insurance and available discount suggestions in thorough, easy-to-comprehend language. Using a solid, well-outlined approach, the authors have produced a manual that would make a perfect gift for a young person entering the world of adult decisions as well as a handy guide for people of any age. As we go through life, our needs change–and, as the authors point out, our insurance coverage needs change as well. Therefore, this book is a strong introduction to the aspects of startup insurance-shopping as well as a continuing-education reference tool for those already insured.
One of the book’s better features, a state-by-state listing of vehicular insurance requirements, is found in Chapter 12. The information is presented in paragraph form that might have been neatly complemented with a table for quick and easy visual comparison, but is nonetheless helpful as shown. Just as vehicle insurance costs vary from state to state, so do the requirements, and this is just one of the areas to research when contemplating a potential relocation for one’s home or business.
Along with describing and detailing various forms of insurance, the authors make a conscientious effort to anticipate the many “pitfalls” awaiting people who have little or no insurance knowledge. In the case of a flooded basement, for example, even the best flood insurance will not cover water damage that was caused by a drain backup; to the layman, a flood is a flood is a flood–but insurance companies do not agree. The time to know this, of course, is when the basement’s still dry!
Anyone who has not studied insurance or been well-advised by a qualified insurance agent would do well to read this book, and even take it along while insurance shopping. No insurance is truly inexpensive, but Cheap Insurance shows the way to successfully insure yourself while ensuring that you buy the best policy for your specific needs.
Comment by Kathy L. Hahn — April 29, 2008 @ 5:35 am
Finally, an insurance guide we can all use! This is a terrific all-in-one resource for buying and managing personal insurance. It’s clearly written, easy to read, and is a wealth of information. I thought I knew a lot about insurance already, but I definitely picked up some valuable tips from this book.
This book provides the reader with a thorough explanation of different types of insurance (car, homeowner’s, health, and life), with a concise breakdown of different options within each type. There are clear examples on real-life cases that helped me understand that the cheapest policy isn’t always the best. I also now know what discounts to ask for and how to shop more effectively for insurance.
What was most valuable to me, personally, was the section on health insurance. With an aging parent, I have to deal with Medicare and Medicaid, and this book helped me understand those services better. The appendixes in the back of the book are also excellent resources that I will keep to refer back to. I would recommend this book to anyone who wants a handy all-in-one guide.
Comment by L. Wood — April 30, 2008 @ 2:55 pm
This is a must read for every adult or college student. I’m 28, and no one has ever explained to me about all the different insurance policies and how important having insurance is. The book was easy to read and I found it was also easy to understand.
There are so many aspects concerning insurance that this book deals with. One point that I found very interesting was how most home policies do no cover a home business. I thought home insurance covers everything in your home, but it doesn’t.
After reading this I learned what discounts I can get, how to check to make sure that the coverage I’m paying for will actually cover me in a real crisis, and how to shop for the right policy. We always think, it can’t happen to me, unfortunately bad things can happen and you should be prepared.
This book would make for a perfect class, and I think everyone should read it. This book tells you everything you need to know and gives you the tools you need to take care of yourself and your family in an emergency. I feel better knowing that I can go to an agent and make sure they aren’t screwing me over, by knowing all the facts beforehand.
Comment by Eliza — May 6, 2008 @ 10:31 am