Cheap Insurance for Your Home, Automobile, Health, & Life: How to Save Thousands While Getting Good Coverage | 
 enlarge | Authors: Lee Rowley, Carla Rowley
Publisher: Atlantic Publishing Company (FL)
Category: Book
List Price: $24.95
Buy New: $14.70
You Save: $10.25 (41%)
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Avg. Customer Rating:  7 reviews
Sales Rank: 790351
Media: Paperback
Number Of Items: 1
Pages: 288
Shipping Weight (lbs): 1
Dimensions (in): 8.9 x 6 x 0.9
ISBN: 1601380062
Dewey Decimal Number: 368.00973
EAN: 9781601380067
ASIN: 1601380062
Publication Date: April 1, 2008
Availability: Usually ships in 1-2 business days
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Condition: Straight from Publisher's!!
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Product Description
By several measures, insurance for you, your family, your home, and your car continues to rise at the fastest rate in our history. In 2005 (the latest year data are available), total national health expenditures rose 7.9 percent - more than three times the rate of inflation. Nearly 50 million Americans are uninsured for healthcare. According to Insurance Information Institute projections, the average annual expenditure for auto insurance in 2006 was $851. Millions of drivers have no auto insurance. The average expenditure for homeowners insurance was $729, according to a February 2007 report by the National Association of Insurance Commissioners (NAIC). Insurance takes a huge bite out of the average American's monthly budget, and as stated above, many Americans simply forgo insurance because they consider it out of reach. Shopping for insurance requires more effort than many people want to devote to it. They simply grab the first price they come across or accept routine rate increases when it is important to compare not only the price but also coverage and exclusions among carriers. In this easy to read and comprehensive new book you will learn hundreds of ways to secure and or reduce your health, automobile, life, and home insurance costs. If you do not have or cannot afford insurance, we will show you how to get it at a price you can afford. The Internet and technology have opened up a great new way to search for low cost insurance services; we will give you the Web sites, tell you what to look for and to look out for. There is a great deal you can do right now to cut insurance costs. For example, did you know that installing a theft tracking device in your car can save you up to 35% on your auto insurance and that your credit history can dramatically affect your auto insurance premium. Recent studies have shown that more than 90% of insurers use credit information to create an "insurance risk score," which they then use as a factor to determine your insurance rate. Add a simple home security system to monitor your home, and your insurance rates may be discounted up to 30%, depending upon where you live. Your insurance could end up costing you more if you choose to make monthly payments rather than pay the entire premium annually. Notify your agent if you retire, your children go to school, or you start working from home (when you're not traveling as much your rates will go down). Have you stopped smoking? Lost weight? Started exercising? All of these efforts can have a dramatic effect on your insurance rates. Insurance topics covered in this book are How Insurance Works, Insurance Company Rating, National and Local Firms, Auto, Health, and Disability Insurance, along with work sheets and forms to assist you in your search for the best coverage at the lowest price.
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| Customer Reviews: Read 2 more reviews...
 Cheap Insurance for Your Home, Automobile, Health & Life July 21, 2008
Everyday people face serious risks such as automobile accidents, damage or complete destruction of their home, and even death from an illness or accident. Because of these risks, it is important to protect yourself from years of financial agony and devastation. Cheap Insurance For your Home, Automobile, Health & Life provides you with the insight to understand how insurance rates are calculated, the importance of homeowners and renters insurance, how to take advantage of premium reductions such as Multiple Line or Vehicle Safety, and when to make a switch to another insurance company to avoid cancellation fees. In this informative book you will discover how your driving record and credit score affect your automobile insurance, how to determine whether or not you are adequately covered, and how to obtain high risk insurance if you are considered uninsurable. Cheap Insurance For Your Home, Automobile, Health & Life details the types of health insurance available for individuals, families, self employed, government funded insurance, and extra insurance such as: accidental death or dismemberment or specific disease insurance. It also explores the difference between whole life insurance versus term life insurance, including information on policies that can build cash value such as universal life policies. Cheap Insurance for your Home, Automobile, Health and Life is very informative, offers you several ways to save on insurance premiums, and provides you with the confidence to ask the right questions to get the rates you deserve. I give this book a 4 out of 5 star rating.
Ah ha! Insurance revealed! May 30, 2008
Cheap Insurance, by Carla & Lee Rowley, is a terrific book! It has full, comprehensive explanations for a complicated subject matter, but it breaks information down so that it's easy to understand. The book gives scenarios and examples of insurance situations, gives Tips and overviews, and teaches you about necessary and unnecessary coverage.
The book is most helpful in providing a basis in which you can make informed comparisons, and understand your insurance company's obligations, and method of assessing your risk factors.
Especially helpful is the books' state -by- state auto insurance comparisons, which outline the state's auto and personal liability coverage requirements. Also, the online links provided, give you the option of further comparison shopping, and a place to do further study.
I found myself flipping back to take advantage of the insurance glossary, for an explanation of the terms & vocabulary. This is a great book to read before you sign on the dotted line of any insurance contract.
 Every college student and Adult needs to read this May 6, 2008
This is a must read for every adult or college student. I'm 28, and no one has ever explained to me about all the different insurance policies and how important having insurance is. The book was easy to read and I found it was also easy to understand.
There are so many aspects concerning insurance that this book deals with. One point that I found very interesting was how most home policies do no cover a home business. I thought home insurance covers everything in your home, but it doesn't.
After reading this I learned what discounts I can get, how to check to make sure that the coverage I'm paying for will actually cover me in a real crisis, and how to shop for the right policy. We always think, it can't happen to me, unfortunately bad things can happen and you should be prepared.
This book would make for a perfect class, and I think everyone should read it. This book tells you everything you need to know and gives you the tools you need to take care of yourself and your family in an emergency. I feel better knowing that I can go to an agent and make sure they aren't screwing me over, by knowing all the facts beforehand.
Finally, an insurance guide we can all use! April 30, 2008
This is a terrific all-in-one resource for buying and managing personal insurance. It's clearly written, easy to read, and is a wealth of information. I thought I knew a lot about insurance already, but I definitely picked up some valuable tips from this book.
This book provides the reader with a thorough explanation of different types of insurance (car, homeowner's, health, and life), with a concise breakdown of different options within each type. There are clear examples on real-life cases that helped me understand that the cheapest policy isn't always the best. I also now know what discounts to ask for and how to shop more effectively for insurance.
What was most valuable to me, personally, was the section on health insurance. With an aging parent, I have to deal with Medicare and Medicaid, and this book helped me understand those services better. The appendixes in the back of the book are also excellent resources that I will keep to refer back to. I would recommend this book to anyone who wants a handy all-in-one guide.
Cheap? Really? April 29, 2008
Despite a misleading title (no insurance is cheap!), this book discusses the most important types of insurance and available discount suggestions in thorough, easy-to-comprehend language. Using a solid, well-outlined approach, the authors have produced a manual that would make a perfect gift for a young person entering the world of adult decisions as well as a handy guide for people of any age. As we go through life, our needs change--and, as the authors point out, our insurance coverage needs change as well. Therefore, this book is a strong introduction to the aspects of startup insurance-shopping as well as a continuing-education reference tool for those already insured.
One of the book's better features, a state-by-state listing of vehicular insurance requirements, is found in Chapter 12. The information is presented in paragraph form that might have been neatly complemented with a table for quick and easy visual comparison, but is nonetheless helpful as shown. Just as vehicle insurance costs vary from state to state, so do the requirements, and this is just one of the areas to research when contemplating a potential relocation for one's home or business.
Along with describing and detailing various forms of insurance, the authors make a conscientious effort to anticipate the many "pitfalls" awaiting people who have little or no insurance knowledge. In the case of a flooded basement, for example, even the best flood insurance will not cover water damage that was caused by a drain backup; to the layman, a flood is a flood is a flood--but insurance companies do not agree. The time to know this, of course, is when the basement's still dry!
Anyone who has not studied insurance or been well-advised by a qualified insurance agent would do well to read this book, and even take it along while insurance shopping. No insurance is truly inexpensive, but Cheap Insurance shows the way to successfully insure yourself while ensuring that you buy the best policy for your specific needs.
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