New Requirements for Health Insurance Providers to Use Plain English

One thing most people can agree upon with regards to health insurance policies is they are not easy to understand.  Nearly all health coverage policies are written in a mish-mash of legalese and medical jargon, none of which is easily understood.

There is some good news for us everyday Americans. The US Department of Health and Human Services, has implemented new rules for health insurance providers.  They must now present the policies in simple English that the average American can understand.

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Has the US Economic Crisis Affected Car Insurance Rates?

The US economy has been depressed for a long time.  There are some encouraging economic indicators recently, but nothing that affects most middle class Americans.  We have all been forced to change our lifestyles and limit our spending.  One expense nearly all Americans have is car insurance.  According to a 2011 survey article by the NAIC 53% of Americans have either changed their car insurance coverage or stopped driving altogether.

The NAIC survey encompassed over 1,000 driving adults.  It is amazing how much the economy can affect car insurance.   Many of the respondents reported that they had reduced auto insurance coverage or abandoned car insurance altogether.  Some of the people that quit purchasing auto insurance were STILL DRIVING!  This is not only dangerous, but illegal.

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Group Health Insurance Policies Offer Buying Power

Group health insurance plans are health insurance policies that are jointly shared by members of a group or organization. Generally, group health insurance is purchased by an employer to cover all the employees. Employers either offer the group health insurance as benefit, or charge the employees a nominal fee.

Group health insurance offers the purchaser buying power which will result in lower health insurance premiums. Self Employed individuals do not qualify for group health insurance and therefore have to pay much more than individuals that buy into a group plan. There are many different types of group health insurance. Generally, the larger the “group” the more buying power you have and the lower the premiums. Other factors play a part in the final premium cost such as deductibles, co-pays and whether the plan is part of an HMO.

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How to Find Affordable Homeowners Insurance

Cheap may not be the operative word when you begin hunting for a homeowners insurance policy. Despite the fact that you need to cut costs, you need to make certain you purchase sufficient coverage and select a proper policy. One thing we always say, is SHOP AROUND!  The only way you will find affordable homeowners insurance is to compare quotes from multiple insurers.


Shopping around for homeowners insurance is extremely easy.  You can either use the phone to call around to local insurance agents, or you can use our preferred method of receiving quotes via the internet.  You may be concerned that receiving insurance quotes could affect your credit score, but his is not the case.  If you have concerns about insurance agents making credit inquiries you can speak directly with the agents to make sure they aren’t running your credit too often.

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Best Ways to Find Cheap Car Insurance

For those who are looking to save money, it is worth taking the time to find cheap car insurance. For the few minutes it takes, it can save hundreds of dollars per year. Following five simple tips can help consumers find the right company at the right price.


1) Comparison Shop


Not all companies are the same when it comes to pricing. Prices can vary from a few dollars to several dollars per month. The trick to finding an affordable price is to call several companies, or get several car insurance quotes on the internet. Plan to find at least 10 quotes from 10 providers. It is important to resist any pressure by a salesperson. Gather all the facts and then make the right decision.

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Simple Ways to Help You Find Cheap Car Insurance

Some people think there is nothing they can do to lower their car insurance premiums, but that is not true.  We have outlined a few steps you can take to help find cheap car insurance.

1.       Maintain a clean driving record.  Speeding tickets will increase your car insurance rates considerably.  Make sure you follow all the rules of the road.  This will help you to find cheap car insurance.

2.       Stay insured.  Most insurers will provide the lowest car insurance rates to people that have been insured a long time with no lapse in coverage.  Make sure you stay covered and don’t let your car insurance lapse.

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Cheap Health Insurance – How to Find it and Where to Get it!

Cheap Health Insurance – How to Find it and Where to Get it!

Unfortunately, Americans are highly under-insured when it comes to health coverage.  Health insurance is just too expensive in this country.  President Obama pushed through the health care reform, but it looks like most of it will be nullified in the near future.  If you want to find cheap health insurance there are a few things you can do to increase your odds.


There are a couple health care systems in the United States at the moment.  There is Managed Health Care and Health Savings Accounts (HSA). HSA was instituted by the government in response to the outrageous inflation of health insurance costs. For the purpose of this article we will focus on Managed Health Care:


Managed Health Care:

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Announcing Our New Cheap Insurance Learning Center

If you are reading this we know what you’re looking for – cheap insurance.  The easiest way to find cheap insurance is to compare quotes from multiple carriers.  You are welcome to use our complimentary insurance quote form located at the top of this page.  But, what if you aren’t too sure about what to look for?  That’s why we have created our Cheap Insurance Learning Center.


Our learning center provides general information about the various forms of auto, life and home insurance policies.  We provide this information to our visitors to help them find a place to start in their search for cheap insurance.  Ultimately, we recommend that you contact a licensed insurance agent regarding any questions you may have.


After you submit the free insurance quote form you will be contacted by accredited insurance agents that are licensed to sell insurance in your state.  These agents are very knowledgeable and would be happy to answer any questions you have.  We thank you for visiting Insurance for Cheap.  Please refer your family and friends to our site so they too, can find cheap insurance.

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