How to Get the Best Rates on Health Insurance in Ohio

Ohio is one of the states that offer an enrollment period each year for guaranteed health insurance. This is a great resource for someone who knows they are ill but haven’t yet taken the step of looking for a health insurance plan. Although they can expect to pay higher rates than someone in very good health, it’s a great way to secure a health insurance plan that they may not otherwise be eligible for.

For people who have yet to experience any serious medical issues, there are things they can do to help them enjoy the best rates on health insurance in Ohio. Naturally every situation is different and will be dependent on the individual’s family status as well as lifestyle, however taking these steps often results in better rates:

oLosing weight. Obesity is a growing problem and often results in serious health complications including heart disease as well as diabetes. If a person is overweight they can expect to pay more in health insurance premiums than someone who maintains the right weight for their height.

oStop smoking. Smoking is certainly less of a problem now than it was decades ago but many people still are addicted to nicotine. People who smoke tend to pay higher premiums for health insurance because they are viewed as a risk to the insurance company for developing medical problems.

oJoin a gym. Some health insurance companies offer a discount for their clients who own a gym membership. The membership is viewed as a step towards a healthier lifestyle which results in reduced rates. If you do work-out at a gym on a regular basis, be certain to mention this when gathering health insurance quotes.

Ask for several quotes from different health insurance companies before you make a final decision. It’s also prudent to do another search for quotes each time your health insurance is renewed just to be certain you are indeed paying the best rates possible.

How to Get the Best Rates on Car Insurance in Oklahoma

Understanding the minimum liability requirements of car insurance in Oklahoma can help drivers there find the best rates possible. In addition to having at least $10,000 per person coverage, you also are required to have $20,000 for all people involved, along with $10,000 that is in place just for property damage. Although you can drive a vehicle in Oklahoma legally with this bare bones type of coverage, you are likely going to want more. Finding the best rates on car insurance in Oklahoma that has adequate coverage isn’t as difficult as it seems.

Comparing rates between multiple insurance companies is the best way to start your search. Many people are surprised by how much rates actually do vary. If you already have car insurance that is coming up for renewal, start asking for quotes at least a couple of months in advance so you’ll have a policy in place by the time you need it.

If you drive an older vehicle you can often find a better rate by dropping the comprehensive and collision coverage. The best way to determine if this is a good option is to reasonably think about how much your car is worth. If it would cost less than a $1,000 to replace it, you don’t need this costly type of car insurance. Instead opt for just liability coverage and uninsured motorist coverage.

You can also find a better rate on car insurance if you maintain a good credit score. Your credit rating in addition to the make and model of car you drive, along with your driving history, all help determine the final cost of your premiums. Try and pay all your pills in full each month and on time. This will also help you when it comes time to purchase a newer vehicle and you are shopping for a car loan.

How to Get the Best Rates on Car Insurance in Wisconsin

Men won’t be happy to hear this, but one of the most effective ways to get the best rates on car insurance in Wisconsin is to drive like a woman. Shocked? Perhaps, given the number of “women driver” jokes out there, but according to statistics females are less likely to be involved in vehicle accidents, less likely to be cited for traffic violations, and less likely to file car insurance claims. Still, you can save money on auto coverage in Wisconsin if you start driving like a female. Better put, you can find affordable car insurance in WI if you learn why women drivers are scoring cheap auto insurance rates.

To drive like a woman drives, according to statistics, you need to:

oPay attention to traffic signs. Stop signs mean stop. So do red traffic lights. Consciously pay attention to traffic rules and you’ll lessen your chances of traffic accidents and violations.

oObey the laws of the road. Aside from traffic signs and signals, these laws include speed limits, passing in designated zones, and keeping enough distance between you and the vehicle in front of you.

oBecome a safer driver. This tip includes the two before it, but there are other steps you can take to become a safer driver. For example, consider taking a driver education or defensive driving course. You may land yourself some auto coverage discounts along the way, which will help in your mission to obtain affordable car insurance in WI.

When you become an expert at each of those tips, you’ll help yourself avoid traffic accidents and citations. When you avoid those troubles, you will also avoid filing so many car insurance claims.

Remember, Wisconsin auto insurers don’t discriminate against the sexes, but they do offer better rates to safer drivers. Statistically speaking, women are actually safer drivers.

Find even more tips to save money on auto coverage in Wisconsin and apply for free online car insurance quotes with