Insurance for Sale

Your one-stop resource for all of your insurance needs. Finding low insurance rates and discounts can be frustrating. Going from search engine to insurance website and then back and forth is just too time consuming when trying to track and compare insurance rates.

Compare and save on car insurance, home insurance, health insurance, life insurance, dental insurance, and travel insurance for sale.

Tips for Getting Low-Rate Car Insurance

• Having a larger deductible will lower the annual premium payment.
• Do not carry full coverage on an older car.
• Insure all of your vehicles with the same insurance company. Many insurance companies offer multi-car discounts.
• Many insurance companies have a 'Driver Age' discount. The older you are, the less the annual premium.
• Many insurance companies have a 'Car Alarm' discount. If your car has an alarm system, then you get a discount.
• Many insurance companies have an 'Air Bag & Anti-Lock Breaks' discount. If your car has them, then you get a discount.
• Notify your agent that you are shopping around for lower rates. If you have been a good customer and pay your premium on time, then your insurance company may make you an offer you cannot refuse.

Tips for Buying Life Insurance

• Make sure that the insurance company is a solid company and has a high 'Standard and Poor's' rating.
• Be leary of Whole Life insurance. Premiums can be very costly in the first few years of the policy. Check to make sure that the insurance company will not charge you a surrender charge in case you cash out too early.
• Term Life insurance is usually the best choice. You pay as you go. Take the difference from Whole Life insurance and invest it in some mutual funds. You make the money - not the insurance company.
• You need more insurance protection when you are younger with children than you do when you are retired and the kids are on their own.

Tips for Buying Home Insurance

• The least expensive home insurance package is termed 'HO-1' and only covers fire, theft, and limited liability.
• The next expensive home insurance package is termed 'HO-2'. It is more comprehensive and includes coverage for damages due to broken pipes and/or broken hot water heaters.
• The most expensive home insurance package is termed 'HO-3'. It covers just about everything else but excludes events such as earthquakes, floods, nuclear accidents, and wars. If you live close to earthquake or flood proned areas, then please make sure you have earthquake insurance or flood insurance.

Tips for Buying Dental Insurance

• Make sure that the dental plan includes your dentist. Many people have been suckered into dental plans that do not include the dentist that they have been seeing for the past 'ump-teen' years.
• Make sure that the dental plan pays for cleanings, fillings, crowns, emergency tooth replacements, non-cosmetic oral surgeries, and x-rays. Know the restrictions on dental services covered by the plan.
• Make sure that you know what your percentage of payment is for services not completely covered.

Tips for Buying Travel Insurance

• Check to see if the insurance will act as secondary coverage within your home country if the trip has been delayed.
• Is rental car coverage included?
• Does the insurance company have 24-hour service and an emergency '800' number?
• Does this insurance cover skiing, backpacking, etc in foreign countries?
• Does this insurance cover lost baggage or baggage delays? New clothes can be expensive.
• Does this insurance cover re-booking of flights due to flight delays?
• Does this insurance cover the bankruptcy of the airlines or hotels that can no longer serve you?