Chances are that you’re currently paying too much for your car insurance. Many insurance providers will not give or offer you discounts unless you specifically ask for them. You could probably get a better rate on your current automobile insurance policy simply by calling your provider and asking for a better rate. Less surprisingly, you could probably save money on car insurance by shopping with different insurance providers. This doesn’t come as a surprise to most people, but many people will stick with their current provider because they know their agent, or have been with the company for a long time. If you plan on staying with your current car insurance provider, review your most recent statement and see if there are any areas where you could be saving. If you’re open to switching car insurance providers, try calling a few different providers and getting quotes, this is a quick and easy process, and can often times be very eye opening once you see what types of rates are available.

Edmunds.com suggests 5 different ways that you can save on your automobile insurance:

1. Make sure you get all discounts you qualify for
2. Keep your driver’s record clean and up-to-date
3. Adjust your coverage to assume more risk
4. Drive a “low profile” car equipped with certain money-saving safety features
5. Shop around for a good, low cost insurance provider

Whatever your current situation is, it never hurts to save a few bucks. I find it most beneficial to save money on payments that have to be made, insurance is one of those types of payments. If I could save $20/month, that adds up to $240 over the course of the year. Just think of the things you could do with an extra $240!

Do you have any tips of your own? Please share with us if you do! Leave a comment below.

Everyone wants to get the best insurance rate possible on his auto insurance policy. It takes a lot to achieve a low cost auto insurance policy. Who would like to pay more than what you have to? Auto insurance premiums usually take away a chunk of your monthly income. Therefore it is most important to save on your auto insurance rates. You must be paying a lot of bills every month. To lower your monthly bills, you need to lower the cost of your auto insurance policy. Read on to know the ways you can adopt to save those extra dollars on your auto insurance policy.

1. Clean up your credit report: Credit report is the most important thing that is taken into consideration by lenders before giving you an auto insurance policy. Your credit report reflects whether or not you can be considered as a risk. A poor credit score implies that you have fallen back on your debt obligations. If you can’t manage your credit card debts, then the auto loan lender becomes skeptical whether or not you will be able to make the monthly payments on your auto insurance premiums. A good credit report will also enable you to qualify for low cost auto insurance policy.
2. Have a clean driving record: If you have a clean driving record, then you will be offered a cheap auto insurance policy. You will be considered as a less risk if you have a clean driving record. The more accidents you have met and the more claims you have filed, the higher you have to pay on your auto insurance premiums. So, it is necessary to clear your driving record to prove that you are worthy of a cheap auto policy.
3. Get theft devices installed: Install theft devices in your automobile to qualify for low cost auto insurance premiums. Automobiles become less prone to thefts if they have the latest anti-theft devices installed in them. This reduces the risk of the vehicle from being stolen and hence saves your money on the premiums.
4. Get a defensive driving course: If you have successfully completed a driving course from a reputed driving institution, then you can save those extra dollars on the auto insurance policy. This will ensure that you are a good driver and you will be considered as a lesser risk by the insurance company.
5. Ask for a multiple car discount: If you insure multiple cars together, then you can save on your premiums. If you have two cars, then it is wise to check with your insurance company whether or not there are any discounts on insuring both the cars at the same time.

So, if you have bought your new automobile and are looking for low cost auto insurance policy, then do consider the above mentioned tips to save money on your auto policy. Make sure you get a lot of quotes before you decide to commit to an insurance plan.

• As a dog lover, I found this interesting – A Majority of Canine Injuries Occur on the Weekend – Here’s the Reason Why: http://bit.ly/cCsvy #
• And while on the topic of dogs, is pet insurance worth the cost? Or is it a waste of money? #

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Flexible Spending Accounts (FSA’s) are offered by many employers in the United States. The benefits of a flexible spending account (FSA) is that it allows you to use pre-tax money to pay for qualified medical expenses. What is the benefit of that you ask? For simplicity’s sake, let’s assume that you make $1,000 per month and that your tax bracket is 25%, and you have $100 put into your FSA, now you’re only taxed on $900, or $225, meaning that you take home $675. At the end of the year, you’ll have $1,200 in your Flexible Spending Account which you can use for any qualified medical expenses. Now assume the same situiation, however, you don’t have an FSA setup. Each month, you earn $1,000, but you don’t contribute anything to an FSA, so you are taxed 25% and you only take home $750. At the end of the year, you have no money in an FSA account, and you only have an extra $900 (assuming you saved that money). Let’s say that you have an emergency procedure performed that costs $1,100 – In scenerio 1, you’ll be able to pay for the procedure from the Flexible Spending Account, however in option 2, you’ll be left to pay the bill on your own, with your post tax dollars.

Flexible Spending Accounts are great because they give your money more power since you aren’t paying taxes on the money that is contributed.

When choosing an auto insurance policy, make sure that you completely understand the policy, and more importantly for this topic, make sure you understand what makes your insurance premiums increase and/or decrease. For instance, some auto insurance companies will give you a discount for safe driving. Safe driving can oftentimes lower your insurance premium. You always want to be sure that your premium won’t increase for unsafe driving, such as a speeding ticket. Some insurance companies will increase your premium for a single speeding ticket, others will allow you to “waive” the increased premium by attending traffic school. Whatever the situiation, or the case, it’s always a good idea to have a firm understanding of your auto insurance premium, becuase even though none of us plan to get into accidents, or plan on getting speeding tickets, those things sometimes happen, and if at all possible, we’d like to avoid paying increased auto insurance premiums if at all possible.

One topic that we haven’t really touched on in this blog is renters insurance, but we’ll be sure to cover this topic more in upcoming posts. Renters insurance is a good idea for anyone who may be renting. As a renter, your landlord (in most cases) will have insurance that covers the building, but the landlord doesn’t necessarily care, or care to pay for insurance that will protect the individual belongings of all of the renters or tenants. Renters insurance is typically very cheap and affordable, so the best way to save money on renters insurance is to shop around before picking a plan. There typically aren’t too many ways to save money other than finding the best plan.

Some renters insurance policies will allow you to lower your cost by cataloging your belongings and knowing exactly how much you’ll need in case of an emergency such as a natural disaster – earthquake, fire, flood, etc.

This might seem like a trivial point, but you’d be surprised at how many people just go with the first and only quote that they get when it comes to insurance policies. Sure, it can be a hassle shopping around, but comparing insurance rates can potentially save you hundreds of dollars per year on homeowners insurance.

In order to get a good idea of a starting point, or a range of costs, call your state insurance department for a list showing typical prices charged by different insurance companies. From that list, you’ll be able to quickly see who the low cost insurers are. You should then proceed to call the 3-5 lowest priced companies and then compare their coverage options.

Think about it, there really isn’t any point to pay 30% more for the same coverage. Is there?

• That’s the money you could be saving on car insurance. #
• Watching Criminal Minds… one of the best shows on TV. Way too many reality shows now… most of which are Lame!!! #
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With the ever increasing cost of prescriptions drugs and medications, more and more people are looking for alternatives. I’ve seen newscasts and heard stories of people crossing international borders in order to be prescribed and/or purchase prescription medications. While I’m sure there are many legal issues with doing this, both in being prescribed prescription medications across borders and actually bringing prescription medications back into the U.S. (or whichever country you may reside). I cannot condone or recommend either.

One alternative to paying the high price is to use online pharmacies. By doing this, you’ll have to have a physical prescription from your doctor or physician and usually you’ll be asked to the fax the form in, in addition you’ll have to provide all of the contact information of your doctor. There are many reputable online pharmacies out there, such as Drugstore.com, WalMart, Pavillions, etc.