{"id":472,"date":"2001-09-07T00:00:00","date_gmt":"2001-09-07T00:00:00","guid":{"rendered":"https:\/\/1millionbestdownloads.com\/home-tips-for-caregivers-how-to-cut-insurance-costs\/"},"modified":"2001-09-07T00:00:00","modified_gmt":"2001-09-07T00:00:00","slug":"home-tips-for-caregivers-how-to-cut-insurance-costs","status":"publish","type":"post","link":"https:\/\/1millionbestdownloads.com\/home-tips-for-caregivers-how-to-cut-insurance-costs\/","title":{"rendered":"Tips for Caregivers: How to Cut Insurance Costs"},"content":{"rendered":"
Let's face it, running a household is costly and time-consuming. Running two—as many of us find ourselves doing—is exhausting, and doesn't leave a lot of time for loose ends.That's why many of us in in the caregiving<\/a> generation are likely to be overinsured, or paying for services we no longer need, or not receiving credits we're due.<\/p>\n Why is this so? Well, think about it—when was the last time you had time to pour over your policies and call for competing quotes?<\/p>\n Still, in this economy it's worth doing a little homework, as this is one area where the average household could reap several hundred dollars in monthly savings. (And don't forget—anyone in the family on long-term disability<\/a> may be eligible for government-subsidized health insurance such as Medicare or Medicaid<\/a>.) To save you time—since we all know that's the most valuable commodity of all—we've culled the experts' best tips for lowering insurance costs.<\/p>\n 1. Car insurance Get every possible discount:<\/strong> If a traffic violation raised your rates a few years back, ask if it's time to get your good driver discount back. Ditto if your car has antilock brakes, an anti-theft device, etc. If you've moved to a new neighborhood or changed professions, don't forget to mention that, too. Insurance is calculated according to strange, mysterious formulas, and you never know what might cause your rates to drop. And if you've stopped working or lost a job—well, you're probably driving fewer miles, and that definitely lowers your rates!<\/p>\n Raise your deductible:<\/strong> If your car's no longer brand new and you're not worrying about every ding, you can save big time this way. Investigate policies offered by professional organizations; membership in an alumni organization or business group often results in an automatic 10% or 20% discount with group coverage.<\/p>\n
<\/strong>This is absolutely the place to start, since for many of us, auto insurance is the policy we've held longest and paid the least attention to. And you might be surprised—there's surprising variation in auto insurance costs for the same car and driver.<\/p>\n