When is the Best Time to Switch Car Insurance Companies?

There’s never a good time to switch car insurance companies, and here’s why: you hope that your current company provides you with high-quality, comprehensive coverage well into the future?

Unfortunately, there may come a point when you need to make a change. While it sounds like a big deal, it’s easier today than ever before. You can shop for and compare quotes online, all with the goal of buying a policy in the near future.

Here are five times when you may need to switch car insurance companies:

  1. To Save Money

Most people are always on the lookout for ways to save money. For example, you may decide to switch banks if the fee schedule becomes out of hand.

The same holds true with car insurance companies. If your current provider is charging you more than the average for someone in your position (in your state), it may be time to move on.

If nothing else, you can request car insurance quotes online to better understand what else is available. This alone will tell you if a simple change can result in saving money.

  1. After a Bad Experience

You hope that your car insurance company will provide you with a good experience, time after time. But you also know that things can and probably will go wrong at some point. And when that happens, you have to decide if it’s time to move on.

If you’re interested in switching car insurance companies, find one that provides better service than the provider you’re leaving. This will help prevent bad experiences in the future.

  1. For Better Customer Service

Some car insurance companies are devoted to providing you with a high level of quality customer service, whether it be online or over the phone.

Conversely, there are also car insurance companies that lag in this regard. They talk about how they provide the best service, but when it comes down to it, nothing could be further from the truth.

For many people, paying extra money for better customer service is well worth it. This gives them peace of mind in knowing that they will be taken care of should anything go wrong.

Tip: test out a car insurance company’s customer service by calling them on the phone and asking a few basic questions. If they treat you poorly, you can expect the same type of service if you become a customer.

  1. When Buying a New Car

There is a lot that goes into buying a new car. For this reason, it’s easy to overlook the fact that you need to purchase insurance.

If you’re not 100 percent happy with your current car insurance company, this is a good time to make a change. At the very least, you can request a handful of quotes from other providers to see what else is out there.

If you’re going to make a change, be sure that you’re getting equal or better coverage at the same or lower rate. This will ensure that you’re a happy customer from the start.

  1. When Traveling for an Extended Period of Time

For example, your car insurance company may not allow you to cancel your coverage and restart it whenever you want.

You may find yourself asking questions such as do you need insurance on a car that doesn’t run? Since you’ll be away from the vehicle for an extended period, you don’t want to pay for coverage.

Every car insurance company takes a unique approach to this. If your current provider is unable to meet your needs, it’s time to start your search.

By switching car insurance companies, you may find it easier to alter or put your policy on hold if you’ll be traveling for an extended period of time.

Ask for clarification from any company you’re considering, so you don’t run into surprises the next time you decide to leave home for a while.

Final Thoughts

There is no right or wrong time to switch car insurance companies. If you have reason to believe it’s a good idea, now’s the time to learn more about the process.

Shopping online is the most efficient way to find an affordable policy that provides the coverage you need.

5 Ways for American Families to Save Money on Healthcare

If you and your family members see the doctor on a routine basis, you’re probably looking for some easy ways to cut down on your mounting medical bills. The good news is, you don’t have to look too far. There are plenty of easy ways to start saving money on your healthcare costs right away.

  1. Go Generic

In most cases, generic medications work precisely the same or nearly the same as name-brand medications. The most significant difference is the price – which can sometimes be hundreds of dollars cheaper. Especially if you have something like the free RX discount card, which places like Walmart usually run automatically if you ask for a generic of whatever you’re picking up.

Another great way to save on medication is to ask your doctor for free samples. Big Pharmaceutical companies are always sending out free samples to doctor’s offices, oftentimes enough to do a partial or full-on treatment with them. It never hurts to ask, and it’s rare to be denied.

  1. All-in-One Care

One of the best things you can do is find a family physician that offers various ancillary services to their patients. When you can get everything done “in-house,” you’ll end up saving a lot – not only on the services themselves but on gas, time, etc. If you aren’t having to take multiple days off work, drive to several locations, and pay hidden costs like transport fees, you end up saving quite a bit overall. This also just makes a trip to the doctor so much easier.

  1. Discount Club

There are plenty of discount clubs out there for healthcare. These will often be well under $30 a month (some even under $10) and can help you save up to 60% on doctor’s visits and follow-up care (even major surgery)! It’s a huge help, especially to those who go to the hospital frequently.

  1. Check Your Bill

Did you know that up to 50% of the time, your medical bill has errors? How about that these errors can cost you hundreds of dollars? It’s critical to always pour over your medical bills to ensure you aren’t being charged incorrectly due to a mistake. This is a super-easy way to save money and can end up saving you hundreds or thousands of dollars, depending on the type of medical care you’ve received. (This is especially important if you’ve been to the ER or if you’ve been hospitalized.)

  1. Eat Well

Health starts at home. If you eat well, exercise, and create an environment that helps you boost your mental health, you’ll quickly see health problems minimize or even melt away. As a rule, you should eat a rainbow a day (if not each meal) because different colored plants contain high amounts of different vitamins. Cutting out sugars and opting for healthier sweeteners like honey, dates, and agave can also be fantastic for your health. Making food from scratch is another way to ensure that you’re eating well since store-bought food has questionable ingredients.

So don’t stress – you got this handled! It’s as simple as eating well, doing a little reading, and switching your medications to something more affordable. You don’t have to feel burdened by healthcare – it’s supposed to help you feel better.

5 Reasons to Get Private Health Insurance


5 Reasons to Get Private Health Insurance

Have you ever thought about getting private health insurance, but never quite got around to it? Perhaps you have been tempted to get private health insurance, only to be put off by the choice or the cost. Choosing private health cover can be tricky, and for some, it can seem unnecessary. However, there are some very good reasons why you should put aside your doubts, and get private health insurance coverage today!

5 Reasons You Should Get Private Health Insurance


1. Emergency Issues

No one has a crystal ball. Well, some fortune-tellers obviously do, but it’s debatable whether they work. For this reason, no one can predict a trip down the stairs, a slip on the pavement, or something more serious.

Unfortunately, there are some medical emergencies that need a ride in an ambulance or a long stay in the hospital. If you don’t have private healthcare to cover these eventualities, you could find yourself paying steep medical bills out of pocket at a time when you should be concentrating on recovery. However, if you have private health insurance, then you don’t need to use your emergency fund to pay for these expenses.

2. Nice Smiles

Nice smiles and good dental insurance rarely come for free. From regular check-ups and fillings, to cleanings and braces, going to the dentist is a must. It can also be expensive – especially if the whole family needs to go. One of the reasons to get private health insurance is because it can cover extras such as dental. Having these insurance extras can greatly reduce your out-of-pocket costs in the dental chair. The same goes for optical extras, physio extras, and so much more.

3. Family Coverage

Anyone who has kids knows you can’t protect them in a plastic bubble. They get in scrapes, break things, and occasionally get sick. Additionally, they need glasses, braces, vaccinations, and regular check-ups.

If they require a trip to the doctor, the dentist, the orthodontist, the optician, or even the hospital, those costs can really stack up. Private health insurance can cover the whole family, so no matter who needs treatment, they can get it!

4. Saving Money

There are various government-related reasons to invest in private health coverage as well. First, the Private Health Insurance Rebate offers up to a 30% rebate on private health coverage costs.

There is also Lifetime Health Cover loading, which encourages you to get private health insurance by the time you are 31 (before it starts getting more expensive). And, if you earn over a certain amount and don’t have private healthcare, you may have to pay the Medicare Levy Surcharge.

5. Cheaper Options

If you have put off buying private health insurance because you think it’s too expensive, it might be time to think again. There are a number of basic options to choose from. Best of all, you can mix and match hospital and extras coverage with different providers to get the best deal.

Where to Shop for Private Health Insurance

If you are looking into purchasing private health insurance, there is more to consider than just the premiums and deductibles. Many employers offered sponsored plans, but there are other options out there.

For those who do not qualify for employer-sponsored plans, you can visit the Health Insurance Marketplace established under the Affordable Care Act to compare your coverage options. Not only can you see if you qualify for a subsidy, but the site also provides information about private plans as well.

When making your decision, be sure to compare all your options. You can learn more about the different types of insurance plans here. Be sure to choose the option that gives you the coverage you need, at a price that suits you. Always read the small print and ask your insurer questions if there is anything you are uncertain about. When it comes to your health, you don’t want to leave anything to chance.

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