10 Things to Lower Your Car Insurance

Hi all of you in the last blog we seen Health Insurance and now I have to write about car insurance what is car insurance and how we lower the car insurance.

HERE IS THE BELOW 10 THINGS THAT LOWEST TO YOUR CAR INSURANCE

SAFE DRIVE ,STAY ALIVE

1.     Safe deriving (Be a safe Driver) = whenever u drive be a safe driver means u have to safe first u then u will save all. you should know about “safe drive stay alive”

2.     Attend a driver safety course.=Your certificate from the course will be a signal to your insurance company that you are dedicated to safe driving habits, and then demonstrate them by being a safe driver. Also keep your vehicle maintained properly so that it will continue to operate safely. You should have attend a safety driver training.

STOP DRINKING

3.      Stop smoke, drink ,attend call=. Smoking is a distraction while driving which means it is a higher risk. Either do not smoke in the car, or better, stop all together. Drinking alcohol obvious avoidance at least while driving; better if it is avoided all together. Avoid attend a call also when driving. you should also know “Cigarettes smoking is injurious to the health”.

4.     Anti-theft equipment =Install anti-theft equipment on your car. It’s very important things.

STOP SMOKING

5.     Know the exact mileage=If you use your car in your profession, see if the company will issue a company car or change your profession. The more you are on the road; the higher your risk will be that you will be involved in an incident. If you just commute, know your commute miles and report them accurately to your insurance company. If your car is only used occasionally rather than daily, advise the insurance company. Know the exact or at least approximate mileage.

6.      Safe vehicle= when you buying a vehicle then buy a safe vehicle. Cars carry standard safety ratings from the National Highway Traffic Safety Administration (NHTSA). Consult their safety ratings if you are considering a new or used car purchase.

7.      Old car have minimum liability= If you own an older car of significantly reduced value, have coverage of minimum liability only.

8.     Park in a garage=Park in your garage if you have one. this will discourage auto thieves and will lower the risk of freak incidents like a downed tree, hail damage, etc are the reasons.

9.     Insurance bill= Be credit worthy with a higher credit score. If your other bills ar

e paid on time, so is your insurance bill.

10.   Address= address the policy with reduction tactics. Increase your deductibles. Remove superfluous policy additions you do not use. Buy a policy with a single, annual payment rather than month to month.

These are the all things how to lower the CAR INSURANCE and still have all the coverage you need.

If u want to know more about car insurance and other knowledge then u all should visit again and again on my site.  http://manunewsindia.blogspot.com/

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Ten Things to Ask Your Health Insurance Company

Hi all of u myself  Manohar patil I just going to write a blog for u about insurance when we go for health insurance then we have to lots of questions in our mind. Like which type of insurance? which company is good for health insurance? Which package is good for us?  Abcd all questions in our mind but here I give all of you a solution for u that what are the things we remember when we go for health insurance.

First important thing is

1. Health coverage

Health coverage is most important things in health insurance Is Accident expenses, outpatient treatment expenses, ambulance charges, maternity care and surgery are some of the essentials that a basic health plan should comprise of.
Second important thing is

2. Health Insurance benefits

Health insurance benefits are most important factor in health insurance what types of benefits are there in health insurance?

Third important thing is

3. Maximum renewal age

When you buy health insurance to avert the rising health care payout in the old age. If the policy is terminated well before the time you need it the most, there is no use of buying it. Right the way for health insurance we required maximum renewal age.

4. Co-pay limit in each treatment

In each treatment insurance company should pay all amounts to hospital expenses like ambulance, surgery, operation expenses. its most important thing in health insurance.

5. sum assurance amount should be upgrade

HEALTH INSURANCE

Medical inflation on the increase of 17 to 20% annually can leave your present sum insured obsolete in the coming years. The insurance company should provide the option of upgrading the sum insured at later stages would be a viable choice.

6 change in premium

Premium amount increases with the increase in your age. Besides this rate chart, you should be kept informed of all factors that can lead to increase or decrease in your cost of availing services .It should all responsibility for insurance company to provide u all information about the increase or decrease of your premium.

7. Freedom of choosing a health care provider

This liberty would help you to avail the health treatment as per your preferences and not according to your health insurance provider. It’s should according to your requirements.

8. Claims allowed annually and claim procedure

Although all insurance companies work on similar lines with the rules laid by IRDA, there should be claims allowed annually and claim procedure also simple.

9. Cashless hospitalization

If there is you  have any issues it should be solving cashless or without fees…

10. Exclusions and waiting period

You buy a health plan for specific coverage but chances stand that insurance provider excludes that disease or covers it after a certain waiting period. Hence, inquire about these exclusions and waiting period as well, in advance.

If there is health insurance all in the world no one look like poor in the world.

If u want to know more about health insurance and other knowledge then u all should visit again and again on my site.  http://manunewsindia.blogspot.com/

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