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Reliable Insurance Managers, Inc. Blog: ways

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Long-term care insurance is a tough sell these days because many Americans find it difficult to commit to years of premium payments toward something they may never need. However, the looming tidal wave of 70 million retiring baby boomers has prompted federal and state governments to sweeten t... READ MORE >>

Save on Energy 1Have an expert check the insulation in your house to make sure it is adequate. If it is not, insulate where needed. You can do open areas, such as the attic, yourself. It will save both heating and cooling costs. 2Turn off the air conditioning and open the windows in moderate weather. READ MORE >>

Rate reduction The easiest way to lower your payment is to refinance your current mortgage to a lower rate. While rates are not near the rock-bottom levels of the last several years, they're still low when compared to the historical rate climate. READ MORE >>

1. Stay healthy Yes, this is easier said than done, but staying healthy goes a long way toward controlling health insurance costs. If you're buying an individual health plan, you'll be charged based on your health, including weight, cholesterol, blood pressure and other pre-existing health conditions. READ MORE >>

1. Request higher deductibles. The deductible is the amount of money you have to fork over before your insurance policy comes to the rescue. By bumping your deductible up from $200 to $500, you could lower the cost of your collision and comprehensive coverage by 15 percent to 30 percent. READ MORE >>

Raise Your Deductible Deductibles are the amount of money you have to pay toward a loss before your insurance company starts to pay a claim, according to the terms of your policy. The higher your deductible, the more money you can save on your premiums. Nowadays, most insurance companies recommend a deductible of at least $500. READ MORE >>

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