Cheap Insurance for Your Home, Automobile, Health, & Life: How to Save Thousands While Getting Good Coverage

As someone who generally has more optimism than cash, I really hate shopping for insurance. Paying good money to guard against the potential for some unforeseen disaster just irritates me, which is why I tend to be a bit lazy in comparison shopping for the best coverage. Luckily, “Cheap Insurance for Your Home, Automobile, Health, & Life” offers several tips which make this unpleasant task much easier.

According to the authors, the most important aspect of saving money on your insurance costs is to understand how policies are written and what factors are used to determine your rates. Obviously, there’s not much you can do about your gender, previous medical history, or whether or not your house happens to be located near the local fire station. However, knowing that installing sprinklers in your home can lower your homeowner’s insurance or that changing where you park your car at night can save you a few bucks on your auto insurance premiums is definitely useful information.

While tech savvy individuals probably think the Internet is the best resource for comparing insurance policies, “Cheap Insurance for Your Home, Automobile, Health, & Life” points out that you might get a better deal by enlisting the services of an independent agent or taking the time to contact multiple agencies on your own. As for the process of choosing an insurance agent, they offer a handy checklist of factors to consider, so you’ll feel confident your needs will be taken care of in the event you need to make a claim on your policy.

Overall, “Cheap Insurance for Your Home, Automobile, Health, & Life” is a very user-friendly guide to a slightly dry topic. The book is nicely organized, so you can quickly flip to the section you need or skip over the parts that don’t apply to your life. Follow the tips carefully and you’ll probably manage to shave a couple hundred bucks off your annual premiums, so it’s well worth the price.

Rating: 5 / 5

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.

Rating: 5 / 5

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.

Rating: 4 / 5