Insurance Online Quotes » Expenses http://insuranceonlinequotes.com Helping you find the best prices and quality insurance Tue, 07 Feb 2012 10:42:22 +0000 http://wordpress.org/?v=2.9.2 en hourly 1 How to Organize Personal Finances : How to Organize Insurance Expenses http://insuranceonlinequotes.com/how-to-organize-personal-finances-how-to-organize-insurance-expenses/1661/ http://insuranceonlinequotes.com/how-to-organize-personal-finances-how-to-organize-insurance-expenses/1661/#comments Sun, 11 Dec 2011 10:40:32 +0000 http://insuranceonlinequotes.com/how-to-organize-personal-finances-how-to-organize-insurance-expenses/1661/
Learn how to budget insurance payments in this free video on managing money & personal finances. Expert: Lamont Stewart Bio: Lamont Stewart is a Financial Adviser with over 10 years of investing experience helping individuals and small business owners plan and save for retirement. In addition, Mr. Filmmaker: Akita McCulloch

]]> http://insuranceonlinequotes.com/how-to-organize-personal-finances-how-to-organize-insurance-expenses/1661/feed/ 1 How important is it to have Medical Expenses added to your car insurance policy? http://insuranceonlinequotes.com/how-important-is-it-to-have-medical-expenses-added-to-your-car-insurance-policy/840/ http://insuranceonlinequotes.com/how-important-is-it-to-have-medical-expenses-added-to-your-car-insurance-policy/840/#comments Thu, 09 Dec 2010 10:42:18 +0000 http://insuranceonlinequotes.com/how-important-is-it-to-have-medical-expenses-added-to-your-car-insurance-policy/840/ I was told to reduce my monthly car insurance payments a little I could remove that. I was told that your medical insurance would kick in to pay for any injuries, or if someone was with you theirs would kick in. They said that car insurance would be a secondary to your medical insurance. Has anyone ever got good use out of having this on their insurance policy??

]]> http://insuranceonlinequotes.com/how-important-is-it-to-have-medical-expenses-added-to-your-car-insurance-policy/840/feed/ 5 Can the auto insurance company pay me directly for my medical expenses or do they have to pay the doctor? http://insuranceonlinequotes.com/can-the-auto-insurance-company-pay-me-directly-for-my-medical-expenses-or-do-they-have-to-pay-the-doctor/63/ http://insuranceonlinequotes.com/can-the-auto-insurance-company-pay-me-directly-for-my-medical-expenses-or-do-they-have-to-pay-the-doctor/63/#comments Sat, 05 Dec 2009 11:03:21 +0000 http://insuranceonlinequotes.com/can-the-auto-insurance-company-pay-me-directly-for-my-medical-expenses-or-do-they-have-to-pay-the-doctor/63/ I was in an auto accident and I have medical insurance. My medical insurance covered my medical expenses; however, I wanted to know if the auto insurance is still liable for those expenses? It seems as if my having medical insurance should benefit me and not the liable party’s auto insurance company. If I did not have medical insurance the auto insurance company would still have to pay for those expenses. So shouldn’t they still have to pay for those expenses and I get what ever is left that my medical insurance company did not pay? Are there any laws statures that back this up in Georgia? I am trying to settle this claim without getting an attorney and I need all the help I can get. Any advice would be helpful. I am in the process of writing a demand letter. Thanks for all the help.

]]> http://insuranceonlinequotes.com/can-the-auto-insurance-company-pay-me-directly-for-my-medical-expenses-or-do-they-have-to-pay-the-doctor/63/feed/ 5 Cheap Long Term Care Insurance: 9 Ways to Cut Expenses http://insuranceonlinequotes.com/cheap-long-term-care-insurance-9-ways-to-cut-expenses/34/ http://insuranceonlinequotes.com/cheap-long-term-care-insurance-9-ways-to-cut-expenses/34/#comments Thu, 19 Nov 2009 10:46:56 +0000 http://insuranceonlinequotes.com/cheap-long-term-care-insurance-9-ways-to-cut-expenses/34/ 1. Buy a group policy through your employer. 

Since it is a group policy that is subsidized by your employer, the premium will be lower that if you purchased an individual policy.2.  Apply for coverage before your next birthday.

Since your premium is based on your “issue age”, the age you are when you apply for coverage, each year you wait your cost will increase by 8% to 12%.  

3.  Apply for coverage with your spouse.

This Joint or Shared Benefits Policy provides more flexibility in using your combined benefits and can lead to a Spouse/Partner discount of up to 25%

4. Take advantage of good health discounts.

By applying for coverage before you have health issues, you could receive a “Healthy Person” discount of between 5% and 25%.  Even if your health deteriorates in the future, you will retain your “Healthy Person” discount for the rest of your life.

5. Take advantage of tax deductions.

Under current Internal Revenue Service (IRS) guidelines, premiums on tax-qualified long term care policies are considered medical expenses. If your total medical expenses exceed 7.5% of your adjusted gross income, you may be able to deduct the premiums on Schedule A. If you are a business owner, you can deduct all of the premiums for long-term-care insurance even if you do not you itemize.

6. Lower your daily benefit.

Lowering your daily benefit by 20% may result in a 20% lower premium. 

7. Select a longer elimination period.

This is the amount of time that you pay out of pocket before the policy starts to pay. Increasing your elimination period from 0 to 90 days can save you up to 15% per year in premiums.

8. Make fewer Premium Payments

You can save 8% a year by making one lump sum payment instead of paying monthly or quarterly. 

9. Get several quotes for long term care policies.

Prices for the same coverage can vary by hundreds of dollars, so it pays to shop around.

Get free quotes for long term care insurance at http://www.howtocutexpenses.com

 

With over 20 years of experience as a personal financial educator and counselor, Vernon Williams has developed in depth knowledge of what it takes to achieve financial success. Today, he is a sought after trainer and speaker by organizations from both the public and private sector. He is the author of 425 Ways to Stretch Your $$$$ and 3 Rules that Guarantee Financial Success.    For more money-saving tips, go to  http://www.howtocutexpenses.com.

With over 20 years of experience as a personal financial educator and counselor, Vernon Williams has developed in depth knowledge of what it takes to achieve financial success. Today, he is a sought after trainer and speaker by organizations from both the public and private sector. He is the author of 425 Ways to Stretch Your $$$$ and 3 Rules that Guarantee Financial Success. Visit Vernon at http://www.howtocutyourexpenses.com

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