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Home Page > Health > Do Not Let The Cheap Life Insurance Rates Of Yearly Renewable Term Life Mislead You

Do Not Let The Cheap Life Insurance Rates Of Yearly Renewable Term Life Mislead You

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Posted: Nov 26, 2009 |Comments: 0
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When you are looking for term life insurance quotes, make sure you look for annually renewable term life insurance. There are many advantages of the annually renewable term life insurance. In fact, it is a type of term life insurance where the life insurance premium starts off very low and gradually rises each and every year—in annually increasing amounts. You may wonder how this is different from the guaranteed level term life insurance. Actually, in guaranteed level term life insurance policy, the life insurance rates remain level or equal for either 10, 15, 20, 30, and even 35 years. In the annually renewable term life insurance policy, the first premium will always be lower or lesser than the second and the third will be higher than the second. There are many people who are confused when they have to select the right kind of term life insurance quotes. According to life insurance experts, when you make a comparison between the annually renewal term life insurance policy and the guaranteed level term life insurance policy, you need to carefully analyse your financial condition first. Therefore you can see that death benefit is payable only if you die within the term. Actually, very few people die within that short period and fewer still die within the relevant term if it is only one year. The carriers have to pay the death benefit only in 1% of the cases. Therefore, the rates are cheaper in case of term life insurance and they are the cheapest if it is a yearly renewable term life insurance policy. Some life insurance domain experts advise you to buy term life insurance policy and invest the rest of your money. Now the question arises; what is the main difference between term life insurance and permanent life insurance. The main difference and the most important difference to most people all over the world is the cost of the term life insurance. As of today, a 20 year level term life insurance policy is approximately one fifth to one fifteenth of the cost of the permanent life insurance plans. Very few companies have the yearly renewal term insurance plans in their kitty. That is why you will have to search thoroughly if you want such a plan. Alternately, you can buy a guaranteed level term life insurance policy for five years. Many renowned insurance carriers have such a plan. The rates will not be that different if you are healthy and young. The main complaint against the term life insurance has always been that such policies have no cash value. To counter this the insurance carriers floated the whole life insurance policy that provided benefits like guaranteed death benefit, guaranteed cash value, fixed and known annual premium, loan facility, early withdrawal facility etc. This has however, made the whole life insurance more expensive than term life insurance. Any intelligent reader will understand why the permanent life insurance policies are so expensive. You can call them an investment opportunity which also provides death benefit. In deed, many people treat them as investment options only. If you are not one of them and need life coverage as well as some investment opportunity, and yet cannot afford a very high rate, buy a term life insurance and investment the difference wisely in some mutual fund. There are people whom you can call spendthrift. They are never able to save any money, not because they cannot spare any money, but because they spend all they have recklessly. For such people the permanent life insurance policies are best bet. Buying coverage will force them to save some money for the rainy days. The universal life or variable life has some very good saving options. However, if are one of those who tend to spend all that they have, you will be wiser to buy the whole life or universal life insurance because that way you will be forced to save some money as you buy protection for your family. Whatever you policy you buy, buy it after considering all the pros and cons. If you are one of us, you will not be buying a policy every other day.

When you are looking for term life insurance quotes, make sure you look for annually renewable term life insurance. There are many advantages of the annually renewable term life insurance. In fact, it is a type of term life insurance where the life insurance premium starts off very low and gradually rises each and every year—in annually increasing amounts. You may wonder how this is different from the guaranteed level term life insurance. Actually, in guaranteed level term life insurance policy, the life insurance rates remain level or equal for either 10, 15, 20, 30, and even 35 years.

In the annually renewable term life insurance policy, the first premium will always be lower or lesser than the second and the third will be higher than the second. There are many people who are confused when they have to select the right kind of term life insurance quotes. According to life insurance experts, when you make a comparison between the annually renewal term life insurance policy and the guaranteed level term life insurance policy, you need to carefully analyse your financial condition first.

Therefore you can see that death benefit is payable only if you die within the term. Actually, very few people die within that short period and fewer still die within the relevant term if it is only one year. The carriers have to pay the death benefit only in 1% of the cases. Therefore, the rates are cheaper in case of term life insurance and they are the cheapest if it is a yearly renewable term life insurance policy.

Some life insurance domain experts advise you to buy term life insurance policy and invest the rest of your money. Now the question arises; what is the main difference between term life insurance and permanent life insurance. The main difference and the most important difference to most people all over the world is the cost of the term life insurance. As of today, a 20 year level term life insurance policy is approximately one fifth to one fifteenth of the cost of the permanent life insurance plans.

Very few companies have the yearly renewal term insurance plans in their kitty. That is why you will have to search thoroughly if you want such a plan. Alternately, you can buy a guaranteed level term life insurance policy for five years. Many renowned insurance carriers have such a plan. The rates will not be that different if you are healthy and young.

The main complaint against the term life insurance has always been that such policies have no cash value. To counter this the insurance carriers floated the whole life insurance policy that provided benefits like guaranteed death benefit, guaranteed cash value, fixed and known annual premium, loan facility, early withdrawal facility etc. This has however, made the whole life insurance more expensive than term life insurance.

Any intelligent reader will understand why the permanent life insurance policies are so expensive. You can call them an investment opportunity which also provides death benefit. In deed, many people treat them as investment options only. If you are not one of them and need life coverage as well as some investment opportunity, and yet cannot afford a very high rate, buy a term life insurance and investment the difference wisely in some mutual fund.

There are people whom you can call spendthrift. They are never able to save any money, not because they cannot spare any money, but because they spend all they have recklessly. For such people the permanent life insurance policies are best bet. Buying coverage will force them to save some money for the rainy days. The universal life or variable life has some very good saving options.

However, if are one of those who tend to spend all that they have, you will be wiser to buy the whole life or universal life insurance because that way you will be forced to save some money as you buy protection for your family. Whatever you policy you buy, buy it after considering all the pros and cons. If you are one of us, you will not be buying a policy every other day.

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David Livingston owns an insurance business that deals primarily in life insurance. If you would like to get the most competitive term life insurance cost or to find out about the cheap term life insurance quotes, visit his site today.

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Home Page > Finance > Insurance > Inexpensive Auto Insurance Rates

Inexpensive Auto Insurance Rates

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Posted: Feb 22, 2010 |Comments: 0

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Inexpensive Auto Insurance Rates

By: Omera

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Author is an expert in online auto insurance. He has written many articles, including how to compare online auto insurance quotes &  how to choose online auto insurance rates.

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Article Source: http://www.articlesbase.com/ – Inexpensive Auto Insurance Rates

Consumers can receive several competitive online auto insurance quotes from various auto insurance carriers, by submitting their information just once. Compare online auto insurance rates from multiple top-rated carriers. Find the most flexible and cheapest auto insurance online. Fill in a short form and instantly get free online insurance quotes from several insurance providers. Compare free online auto insurance quotes from various companies before you decide to buy one. Get the discounts you deserve with customized service and great coverage. Find out if you can get a cheaper online auto insurance rate by comparing discount auto insurance quotes.

The best resource for auto insurance

Receive extensive online auto insurance quote information and get educated about the insurance requirements of your state. Find numerous online auto insurance quotes that will ensure maximization of you insurance premium. Comparing online auto insurance quotes will make it easier for you to understand the terms and conditions of your car insurance policy. Get feedback on the insurance providers and their insurance and repayment policies. Best auto insurance information and comparison quotes on auto insurance, rates, reviews and consumer resources.

Factors that affect your premium

Having moving violations like speeding tickets, DWI, reckless driving, puts you in the higher risk category and can adversely impact your online auto insurance rate. Statistics show that married drivers have fewer accidents and therefore a married person will pay lower online auto insurance rates than a single person with the same driving record. People over 70 and under 25 may have trouble finding an insurance company that will provide them with coverage. The kind of car you drive will also directly impact the online auto insurance rates you receive. Where you live plays a huge part in how much auto insurance you are going to have to pay. Each state auto insurance law stipulates a minimum required package, the figures of which vary greatly from state to state.

Lower your auto insurance costs

Insurance premiums can differ a lot from one company to another. Hence, try to get multiple online auto insurance quotes from different companies, to get an idea which one to go for. If you have a perfect driving record, without any violations or accidents, then you will get lower online auto insurance rates than compared to a driver with a poor driving record or history. It is important to know that car insurance companies use a rating system to calculate risk and safety factors of every automobile in the market, as well as the exact cost of the car itself. Insurance companies may reward lower online auto insurance quotes to policyholders who are willing to pay higher deductibles. Motorists who cover an average distance of 40 miles or less in one day can qualify for low mileage special discounts for the best online auto insurance quotes offered by a number of companies.

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Author is an expert in online auto insurance. He has written many articles, including how to compare online auto insurance quotes &  how to choose online auto insurance rates.

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Find the most flexible and cheapest auto insurance online. Fill in a short form and instantly get free online insurance quotes from several insurance providers. Compare free online auto insurance quotes from various companies before you decide to buy one.

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Home Page > Finance > Insurance > What Affects Car Insurance Policy Rates

What Affects Car Insurance Policy Rates

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What Affects Car Insurance Policy Rates

By: Sarah

About the Author

Simply visit our website to compare affordable auto insurance quote with our ideal auto insurance policy coverage. Compare from top leading auto insurance providers in your area! Get your cheap auto insurance quotes now!

(ArticlesBase SC #607414)

Article Source: http://www.articlesbase.com/ – What Affects Car Insurance Policy Rates

Insurance companies take a lot of things to calculate auto insurance rates. The price often depends on many areas that the majority of car insurance providers consider. Here is a list of some of the factors that will most likely affect the driver of every piece of money in the United States shells on car insurance. Automobiles and their effects on Car Insurance Rates Many driver also try to revise the rates of insurance for a car before considering a purchase of. This is not good and sad simply because drivers can save money by checking only the rate of car insurance before buying a car. It is also important to take into consideration that if a driver has a brilliant color sports car, the prces will be significantly higher than a four-door car or a family van.

Age and effects on Auto Insurance Rates

Generally, youth and elderly people pay a lot higher rates – this is simply because they are more exposed to traffic accidents than other drivers. At about 2006 the behaviour of drivers said that elderly deaths rose by seven percent just from 1981 to 2000. The study, which was prepared by Fred Mannering and Samantha Islam from Purdue University and its publication in the Official of security research, concluded that this does not mean that older drivers are poor drivers, but rather that they’re much more inclined to vehicular accident injury and fatality. The youngest drivers, those 15 to 24 years old, are really most like to go speeding and / or while drunk driving. Unfortunately, age is something none can alter or control. Unless a driver is up for adolescents wait to have their car, he will always have a higher rate of car insurance.

Mileage and car insurance policies

The biggest time a driver stays on the highway every year, the highest rate of car insurance policies are. Majority of car insurance providers will be charged a higher rate for regular commuters as compared to other drivers. This is simply because of the opportunity to be involved in a car accident accident is much higher.

The location and price policy Automobile insurance

If a driver lives in the city, then his car insurance premiums are more likely to exceed that of a driver who lives in a rural or suburban area. Cities in general have congested traffic compared to other areas of the United States; where there’s a higher density of cars, there will certainly be more accidents. Rates may also vary from one state to another. New Jersey, New York, Washington DC, and Massachusetts have the highest rates of car insurance in the country compared to the other states.

Record of driving and auto insurance rates

The more frequent a driver is involved in a car accident and / or more who received tickets for speeding violation, the greater the rate of insurance. If a person has clean driving record, then he or she may be lucky to shop for auto insurance in the market for car insurance. The preferred car insurance market rewards decent drivers and lease their benefit from lower premiums. Those drivers who have good and clean records should ask their car insurance providers and negotiate for a much lower rate.

Stories of credit affect car insurance rates

A lot of auto insurance companies are looking at the customer credit histories before determining an appropriate auto insurance rate. A study made in 2003 by EPIC Actuaries, that was based on a nationwide sample of 2.5 million cars, showed a high significant relationship between people who have bad credit and filed claims.

There is only one factor that sets a driver’s car insurance. Drivers must always be aware that factors are under control and then exercise their best efforts to limit any liability which can cause auto insurance prices to be generally higher than normal.

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Simply visit our website to compare affordable auto insurance quote with our ideal auto insurance policy coverage. Compare from top leading auto insurance providers in your area! Get your cheap auto insurance quotes now!

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Sleep apnea causes a person to stop breathing for short periods during sleep. Depending on severity, as the airways close, a person can stop breathing five to 50 times during the night. More often than not, people with sleep apnea are literally gasping for air during the night while their bodies fight to get enough oxygen.

Disrupted sleep is deadly—even that precious hour lost during daylight savings time can have hazardous consequences. An article published in the September 2009 issue of the Journal of Applied Psychology showed that losing an hour of sleep increases the threat of on-the-job injuries for those in hazardous work environments.

“One hour of lost sleep may not seem like a lot. But our findings suggest it could have an impact on people’s ability to stay alert on the job,” says the article’s lead author, Christopher Barnes, Ph.D. and researcher from Michigan State University.

Although sleep disorders like apnea and interrupted sleep are very treatable, unless you show proof of following doctor-recommended treatments, it will lead to increased life insurance rates.

To qualify for standard life insurance rates, Hinerman says, you need to have a sleep study done, and then follow your doctor-recommended treatment schedule closely.

“Depending on the severity some people can use machines like the CPAP [continuous positive airway pressure] machine to correct breathing overnight can help to eliminate symptoms of sleep apnea,” said Hinerman.

“If an individual applies for life insurance within the first year after starting CPAP, we would generally offer a policy with a small extra premium,” says Robert Pokorski, a medical director for The Hartford. “If he or she has been using CPAP for more than a year, and if all is going well from a medical perspective, in most cases there would be no additional premium required for sleep apnea.”

Pokorski also recommends following the general guidelines for the best insurance rates, like maintaining a healthy weight and blood pressure, avoiding smoking, sedatives, and excessive alcohol consumption.

“You may also want to sleep on two or more pillows to make it easier to breath at night,” adds Pokorski.

“The final offer to the applicant would represent the combined risk of sleep apnea and other medical conditions that might be present,” says Pokorski. “If there are no other medical conditions that affect the overall risk, we would generally offer life insurance at standard, and sometimes, preferred rates.”

No matter how mild your symptoms, lying about your condition will not help your rates.

  “If a person does not disclose a sleep disorder during the [initial] interview, we will eventually find out, because the interview is followed by a medical evaluation… and information about a sleep disorder would show up in their medical history,” says Hinerman.

 If you lie about a sleeping disorder, you could be rejected for life insurance, or worse, be denied a payout if the condition causes an accident or injury. And that’s just not worth losing sleep over.

Sleep disorders affect more than 70 million people in the U.S., according to the American Academy of Sleep Medicine. While The International Classification of Sleep Disorders, Second Edition documents 81 official sleep disorders, here are seven of the most common.

1. Restless Leg Syndrome or Wittmaack-Ekbom’s Syndrome is characterized by a patients inability to stop their legs from moving while sitting or lying down, according to The Restless Legs Syndrome Foundation, an organization concerned with awareness and treatment of the condition. RLS usually disrupts normal sleeping patterns and women are more likely than men to develop the disorder.

2. Narcolepsy- Mayo Clinic defines narcolepsy as a sudden and uncontrollable need to sleep that occurs at times that are outside of a regular sleeping schedule. Unlike those without the disorder who usually enter REM sleep within 30 minutes, a narcoleptic can fall deep into REM sleep within five to 10 minutes. Although it has been known to develop later in life, the disorder usually manifests in people between the ages of 35 and 45. Similar to other sleeping disorders, the primary complaint of those who are not aware they have the disorder is excessive daytime sleepiness or ESD.

 3. Sleep Enuresis (Bedwetting)- While bedwetting is fairly common in children, if the condition does not resolve itself, it could indicate the parasomniac condition “sleep enuresis.” People suffering this condition have no control over their bowel movements while sleeping. “Abnormal Sleep Architecture and Refractory Nocturnal Enuresis,” an article published in the October 2009 edition of The Journal of Urology, found a possible link between limb movement during the night that could possibly lead to cortical arousablity—meaning, the body might be faking itself into being awake, but the brain is not.

4. REM Sleep Behavior Disorder (RBD)- The Journal of Clinical Sleep Medicine defines RBD as a condition where people act out dramatic or violent dreams during what should be the deepest phase of sleep. While most people are in a state of paralysis during this part of sleep, people suffering RBD can move their limbs. Usually, RBD occurs in men aged 50 and older, but the disorder can also occur in women and in younger people. In a February 2009 study published in the Journal of Clinical Sleep Medicine, researchers found RBD can be managed effectively with drug therapy.

5. Sleepwalking- Like sexsomnia, sleepwalking is a condition where a person can be physically moving about, appear awake and alert, but have no memory of their actions. This disorder is most commonly seen in children, but it can occur in the elderly, and adults. Sleepwalking appears to run in families, and it can be dangerous because the sleepwalker is unaware of his or her surroundings. The National Institutes of Health do not currently recommend any specific treatment for sleepwalking, but recommend making sure to try and keep a sleepwalker safe by removing any hazards, waking them up, or guiding them back to bed, to prevent injury.

6.“The Sleeping Beauty Syndrome” or Kleine-Levin Syndrome (KLS) is a rare sleep disorder that involves falling asleep for long periods of time. Unlike narcolepsy, sufferers from KLS will sleep for days, weeks, months and sometimes years without waking up. Symptoms of KLS generally manifest in adolescents. A study conducted by the KLS Foundation found that out of the 186 people who had the disorder, 68 percent were male. There have also been reports of hypersexuality (unusually high or excessive interest in sexual activity), and hyperphagia (over-eating) when someone with KLS awakes. Currently, no cure exists for KLS, but experimental drugs like Provigil are showing increasingly positive results.

 7. Sleepsex- You read it correctly. Sleepsex, or, Sexsomnia is a type of parasomnia first recorded in a 2002 and more recently the topic of study in the December 2009 edition of The Journal of Sexual Medicine. People suffering from sexsomnia can make sexual movements, noises, gestures and advances during sleep, without knowing what they are doing. Those suffering from sleepsex have no recollection of their behavior upon waking. Researchers are looking into treatment options for this condition through medication.

Another hazard of losing sleep is the possibility of developing breast cancer.Research by scientists at Japan’s Tohoku University Graduate School of Medicine in 2008, found that women who regularly slept less than six hours a night increased their risk of developing breast cancer by 62 percent when compared to women who slept seven hours or more each night. The eight-year study followed the lifestyle of 24,000 women who were between the ages of 40 and 79. Of the 24,000 women studied, 143 were diagnosed with breast cancer.

This article originally published on www.lifequotes.com.

Obesity among America’s youth is a growing epidemic with long-term ramifications for both the health and financial futures of those affected.

An estimated 17 percent of children and adolescents ages 2 to 19 are considered obese, according to the 2007-2008 National Health and Nutrition Examination Survey compiled by the Centers for Disease Control and Prevention, the last year for which statistics are available. That is about triple the rate from just one generation ago.

Obesity in children and adolescents makes these youths at risk for health problems that were once associated with older individuals. According to the CDC, obese children and adolescents are more likely to have risk factors associated with cardiovascular disease, such as high blood pressure, high cholesterol and Type 2 diabetes.

Experts say it is those risk factors that will have the most lasting impact on an individual’s ability to obtain life insurance as they mature.

“There are many things that commonly walk hand in hand with obesity – from problems being physically active and wear and tear on joints, to even more worrisome problems like diabetes,” says Dr. Ann Hoven, DBIM CLU, chief medical director for The Hartford’s Wealth Management Division.

“Lack of physical activity affects not only one’s day to day life but is also a risk factor for developing heart disease and is increasingly being looked at as a risk for some cancers such as breast cancer,” she continued.

When it comes to individually underwritten life insurance policies the premium would be affected by the degree of obesity to reflect the additional risk it poses, she says.

Roger Palmer, vice president of analysis for Resource Insurance Consultants in Omaha, Neb., agrees.

“Obesity in childhood is a precursor to what you have as an adult,” Palmer says. It is those health maladies that can have a dramatic impact on what an individual ultimately pays for life insurance.

According to the results of one study cited by the CDC, about 80 percent of children who were considered overweight between the ages of 10 to 15 were considered obese adults at the age of 25.

Palmer explained the underwriting process is becoming more fine-tuned. Someone deemed “average” today and who would be considered a standard risk likely will miss out on some of the best rates, which will be reserved for individuals who are in superior shape and health, or classified as preferred or super-preferred.

Add on the pounds and the associated health disorders and that classification moves to substandard and the cost climbs. An individual in a substandard classification with a pre-existing condition such as diabetes or heart disease potentially can pay as much as three times the amount the same aged individual in a healthier class will pay.

Palmer says in the past underwriters did not look too deeply into the health of an individual under the age of 40 when writing a policy. The trend today, in part due to the growing obesity epidemic, is bringing that benchmark much lower.

“Underwriting is starting to get much stricter,” Palmer says.

If you would like to learn more about your child’s body mass index, the CDC provides a BMI calculator for children and teens.

The earlier an individual learns how to maintain a healthy weight and lifestyle — or manages to get a weight problem under control – will have a positive impact on his or her future both physically and financially.

“Whatever you’re able to do within your physical capacity, exercise, eating correctly, is always a benefit to you,” says Roger Palmer, vice president of risk analysis for Resource Insurance Consultants in Omaha, Neb.

A healthy weight early in life contributes to better rates for life insurance as the individual ages. Options for medical intervention for weightless in adolescents remains limited.

The range most insurers begin to consider a bariatric procedure for a youth is between 16 and 18. It is more common to find coverage for supervised weight management programs and counseling.

Individuals who are overweight at any age and manage to lose that weight would benefit from seeking reclassification on their life insurance policy or having a new police underwritten, Palmer says.

Hoven agrees healthy living is always the better option. However, tools such as approved weight-loss medications or bariatric surgery can be helpful in reducing an individual’s weight and health risks and their insurance premiums.

“If a person has used approved medications for weight loss or has had bariatric surgery and has had a period of time with weight stability after the loss, a more favorable premium would be common,” Hoven says.

This article was originally published at Life Quotes, Inc.

And that could be in the process of happening. When Americans spend less time on the road, the frequency of auto accidents declines. And when auto accidents go down, so do claims on auto insurance. That gets the ball rolling: When auto insurance companies see their costs on claims declining steadily, they typically respond to market conditions by lowering their auto insurance quotes and, ultimately auto insurance rates in a bid to stay competitive. And voila!, we write smaller checks for our auto insurance premiums.

With run-away gas prices, Americans are already driving less. The Federal Highway Administration (FHWA) reported in May 2008 that Americans are driving at “historic lows.” The estimated “vehicle miles traveled,” or VMT, for March 2008 fell 4.3 percent compared to March 2007, making it the sharpest dip for any month since the FHWA began tracking traffic-volume trends in 1942. Want to follow driving trends? The FHWA publishes monthly “Traffic Volume Trends.”

When auto accident claims go down, auto insurance companies can usually respond fairly quickly. To adjust premiums, they must file new auto insurance rates with every state in which they operate. They can file new auto insurance rates any time they want to respond to market conditions, and many states offer a “file and use” system, where auto insurance companies can file new auto insurance rates and begin using them immediately without prior approval from the state insurance department. Some states even have a “use and file” system, so insurers can implement new auto insurance rates and then officially file them shortly thereafter. This way auto insurance companies can begin passing on savings (or increases) right away.

The nation’s largest auto insurance companies are the first to see trends in accidents and claims payments due to the sheer volume of their claims data. For example, State Farm, the nation’s largest auto insurance company, handles about 19 million auto insurance claims a year (that’s a little over 17 claims per minute, all day, every day).

Robert Passmore, Director of Personal Lines for Property Casualty Insurers Association of America (PCIAA), an industry trade group, says, “This is where you see competition kick in.” He notes that if you live in a state that requires “prior approval,” it would take a longer time to see rate reductions. That means Californians and New Yorkers could be tapping their toes waiting for auto insurance rate reductions while everyone else pockets savings.

Auto insurance companies also note that auto insurance rates have been holding steady or declining over the past few years anyway. For example, State Farm customers in all states have seen rate reductions between Jan. 1, 2004, and Dec. 31, 2007, and customers in 39 of those states saw double-digit percentage rate decreases. (State Farm policyholders in New Jersey got the biggest drop of 29.19 percent.)

Passmore cautions that other factors could offset the trend in reduced driving specifically, medical costs from bodily injury claims, legal costs relating to claims disputes and repair costs that are, for now, rising faster than the rate at which auto accident claims are going down.

Darn those repair, medical and legal costs! If it weren’t for those, drivers could already be seeing lower auto insurance rates (as we sit at home). However, auto insurance companies generally agree that if we see significant auto accident reductions, lower auto insurance rates won’t be too far behind.

Perhaps at the $6-a-gallon mark?

Will reduced driving mean lower auto insurance rates?

Insure.com asked the nation’s top auto insurance companies whether high gas prices and reduced driving are translating to lower auto insurance rates yet. Here are their answers.

State Farm spokesperson Dick Luedke notes that State Farm auto insurance rates have been on the decline nationwide since 2004, but reduced auto accident claims are not yet leading directly to further auto insurance rate reductions: “Our actuaries look at claims data not just to see the recent past, but also to see what might change the future, like gas prices.”

Luedke says there’s no hard and fast rule as to what level of auto accident reduction would spark lower auto insurance rates, but says, “If we saw a reduction as big as 10 percent in accident frequency, we would have reacted long before that.”

Allstate spokesperson Kate Hollcraft says, “We have just recently seen a decline in automobile claim frequency and if this continues through the summer months, we would probably be able to attribute it to a rise in fuel costs.”

Progressive spokesperson Leah Knapp says, “We don’t speculate about future rate changes, but it would be accurate to say that we continuously review market and business conditions, including monitoring losses, so that we can ensure our policies are accurately priced everywhere we do business. When our analysis suggests our rates require adjustment, we may seek to either raise or lower rates accordingly.”

Nationwide Vice President & Policyholder, Standard Auto Product & Pricing, Larry Thursby, observes that “customers are having fewer accidents.” But he notes it’s been that way for a couple of years due to a variety of factors, like an aging population that becomes safer drivers, graduated licensing laws for teens and crackdowns in drunk driving. In addition, potential auto insurance rate reductions due to accident frequency are being offset by inflation in the usual suspects: medical and hospital costs, repair costs and legal costs.

Thursby says that Nationwide has been passing along cost savings by offering guaranteed renewability, lower surcharges and broader “forgiveness” for accidents, fender-benders and minor violations.

If you smoke, quit. If you drink too much, cut down your consumption or don’t drink at all.Get at least 30 minutes of exercise three times a week like the American Heart Association recommends. It’s not just good for your health—your insurance will cost less.

Smokers, for example, can pay up to three times the life insurance premiums nonsmokers do, and it isn’t enough to be enrolled in a smoking cessation program—you may have to prove you are not a smoker with a blood test. Even if you quit, it may take anywhere from one to five years before your insurance company considers you a non-smoker. Some life insurance companies may offer to reduce your rate once you have quit for some period of time, but this varies by individual company.

As for drinkers, consuming more than two drinks a day disqualifies you for the cheapest preferred rates—more than four and you disqualify for standard rates. Similarly, obese and overweight people fall into a high-risk category because a high BMI, cholesterol or blood pressure reduces life expectancy, according to Jim Toole, Managing Director of Life & Health at MBA Actuaries, Inc. in Winston-Salem, N.C.Whether you choose term life insurance, which typically has the cheapest beginning rates or whole life insurance, which has fixed rates, your rates will increase based on age, gender and lifestyle. Since you cannot get any younger or change genders, cut costs on your insurance with a healthier lifestyle.

To get the best insurance rate quotes, aim for a healthy BMI (body mass index), cholesterol levels and blood pressure—by maintaining a healthy weight. Your life insurance company may be interested to learn of any wellness, fitness or counseling programs you are enrolled in, but they will only give you lower insurance rates when they see the results.

This article was originally published at Life Quotes, Inc.

The best way for you to make sure that you’re getting the best rate possible is to shop around and get several quotes. Ask around. Getting a reference from someone might be the  answer to what you are looking for.

Risk is one key element that insurance companies use to determine the rates that they give. Risk which means the possibility of you and your car being involved in an accident. There are certain age groups and other categories that often receive lower rates. People who are twenty-five or over, especially married men, younger drivers who have successfully passed their driver’s ed course and people with respective careers like lawyers, professors and engineers. Students that perform well in school can also get lower insurance rates.

Online shopping is also a great source to ensure you get the best rates available without ever sacrificing quality. You can get several quotes at a time by applying online. Some even list more than one car insurance company on their site for a quick reference. Also, make sure you have an idea of what risk range you belong to. Of course, you don’t expect an excellent rate if you are 19, male and drive around a Jaguar. That would be unrealistic. On the other hand, however, being married with children and driving a family car should give you a far better offer than the former.

When you do shop around, make sure that you compare the same kind. Like and like.  Apple for apple. Ask around how claims are processed, approved and paid.Getting involved in a certain group or organization can give you a discounted rate. Many companies offer a discount on car insurance for being a member of certain organizations. They can range from credit unions, college fraternities/sororities or by just having a certain credit card. Most insurance companies also give discounts if you carry your auto and home or renter’s policy with the same company. This is what they call “bundling”. The discount can be anywhere from 5% to 20%.

The area where you live in also plays a major role as to how much an insurance company would charge you. People who always use their car during rush hour in highly populated areas are more at risk than those drivers in the countryside of getting involved in an accident. Also, another way to have lower insurance rates is to own and drive a car that has the highest manufacturer’s safety rating.

Like every major purchase, car insurance needs to be properly researched and make sure that you get several quotes from different sources possible before you make that final step.

If you have a 10-year–old car, that’s worth a $1000, and your deductible is $1000, the coverage is not going to help you. You may want to think about dropping the collision or comprehensive coverage, or both, on your policy.  This is one of the best ways of getting cheap auto insurance.Yetlittle do they know that the higher your collision and comprehensive deductibles, the lower you auto insurance premium. You can save hundreds of dollars off your insurance premium if you increase your deductible amount, to say, example, from $250 to $1,000.

Having cheap car insurance should not mean little or no insurance at all.  When you file a claim, the deductible is the amount that you need to pay first before the insurance pays any remaining balance. Most of the time, people choose to pay a lower deductible, so when they submit a claim, their out-of-pocket expenses are minimal.

To tell everyone frankly, there are various factors that will determine the monthly policy rates. One of these various factors would be the age. For some, people would say age doesn’t matter at all. Maybe for some other things, it doesn’t. But when it comes to auto insurance policy rates, it matters a lot. Listed below are some of the most common explanations to help everyone better understand how age and different factors affect the monthly auto insurance premium.

Young and new drivers

Recent studies have showed that people belonging to a young age group has a tendency to be more reckless drivers compared to people in their late thirty’s. That study has already been proven and the statistics have showed that teenagers, including college students get involved in accidents more often compared to other people who do not belong under their age group. Because of that, teenage drivers have a higher auto insurance monthly premium rate compared to others.

However, if the insurance company has noticed that the teenage driver doesn’t have any history or bad driving record, there is still a possibility that the premiums will lower.

Gender

This might sound a little biased but female drivers are more careful drivers compared to men. That is why if the vehicle owner’s gender is a female, then the monthly premium is lower compared to men. Again, with men, there is still a chance that they will be getting the same amount of monthly premium, as long as the driving record and history is clean from accidents and reckless driving.

Security measures

Auto insurance companies consider the safety and security of one’s vehicle. The more secured the vehicle is, the greater the chances that the monthly premium rates that one has to pay is cheaper. Air bags, locks and alarms are some of the things that an auto insurance company is looking for when trying to consider lowering the rates. The more secured the vehicles are, the lesser the chances that it will get stolen.

You can check for more auto insurance coverage at http://www.rapidautoinsurance.org