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Shed excess weight and your premium will reduce. There’s something called Body Mass Index (BMI) which is used to determine a prospect’s premium.
A high Body Mass Index will always get a high premium all other things being equal. The more extra weight you have for your height and sex the higher your Body Mass Index rating will be. Do your best to shed excess weight because losing as little as a few pounds could give you another BMI rating and result in lower premiums.
Take it or not, your driving culture can have a negetive effect on your health insurance rate. Rough driving charges and other traffic violations can seriously increase your health insurance premium. Any person who drives roughly might make a claim soon as they’re more likely to need medical attention.
You’ll reduce your costs if you develop a good habit behind wheels. If you use a fast muscle car or super bike Garett Bolles Color Rush Jersey , you will likely pay much more in health insurance. The plain reason remains that you increase the chances that you’ll make claims soon.
The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) insurance is a good option for cheap coverage if you have a pre-existing condition that makes regular individual health insurance hard to get or more costly.
Smokers have rates that are double or more that of individuals who don’t smoke. It is a sure truth that smokers are liable to many health conditions and that they don’t live long.
It costs health insurance companies much more to provide health insurance to smokers on account of the bad risk they are to them. Once you quit smoking for about 12 months inform your present insurer or reapply to some other insurer and you will see a considerable drop in your premium.
This shouldn’t be a problem for most people but we will still have to talk about it…
Do not use drugs that have either been banned or have yet to be approved as they will make you pay very high insurance rates if discovered and that is apart from the fact that you’re putting your life at risk. And even if the use of certain drugs is NOT illegal, abusing them will also make you pay much higher rates. Steer clear of self-medication also and you will certainly get cheaper rates than individuals who do not.
It pays to look through your policy at least once a year or as much as you feel changes have occurred in your health or that of a member of your family. Although you may not really save anything by doing this, you will ensure you have adequate coverage this way. And then you can also discover while doing this regular check that you really do NOT need some coverage you have bought.
Cancelling such unnecessary coverage will bring down your rates.A good case is a family health insurance policy that still includes your married daughter who is now on another policy with her husband. It’s very easy to forget little things like this. And you could be so happy with the fact that your child is now in college or married that the last thing you will even consider is which insurance coverage you have to drop.
People who decide to participate in extreme sports certainly get rates that are very expensive. It is therefore compulsory to quit such dangerous sports if you are looking for lower rates.
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Finance > Insurance > Home InsuranceShopping for a Holiday Home in the Sun
Posted by nick_niesen in Finance on November 8th, 2010
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