Affordable And Low Cost Insurance Policy/coverage Options
You may need some insurance policy/coverage to reduce some of your emergency or unexpected expenses
, this is especially important if you are presently going through a debt resolving process. Emergency or unexpected expenses like medical bills, may occur at any time, you will therefore need to be prepared in some way, to avoid being caught completely off guard or unaware.
You need to have some idea, of how much emergency/unexpected expenses on the average, you may have had to deal with, in the last six months or so, or within a year. You may need to review your living expenses and income, with an insurance expert (an insurance broker for example), to know or have some idea of how much insurance, you will actually need to cover your needs.
You will then need to review what you need with what you can afford. An insurance policy can provide you with some protection or can cover your needs, at varying levels/degrees, in other words, you can be fully or partially covered, hence you can choose an insurance coverage, based on what you can afford.
Some low cost insurance options you may get include third party insurance coverages, high deductible insurances, company insurance coverages, group insurance and government insurance programs.
If you cannot afford being fully covered and you have a car, a third party insurance policy may provide you with some coverage, you may however need to work with an insurance broker to know how much of that, will work with the minimum insurance required by law, in your state.
High deductible insurance coverages are insurances you choose to pay a high deductible, a deductible is money you pay out of your own pocket when you have a claim, before your insurer takes over. Choosing high deductibles may reduce how much insurance premiums, you may have to pay for your coverage.
If you work for a company, your company may have some insurance programs you can be a part of, that may reduce how much you may have to pay, on your insurances too. And if you are a member of a group, club or association, you should find out if your membership qualifies you, for any insurance program your group may have, some of these groups may actually have insurance programs that enjoy lower insurance rates.
You may also want to check out some government insurance programs that may be available for low-income individuals/families or people with pre-existing medical conditions etc, in your state. You may get more information on your state's insurance programs for the general populace, at its website.
Having some form of insurance policy/coverage will not only provide you with some cost savings, it can also provide you with a way to avoid going deeper into debt, by not relying on your credit cards for your emergencies. And may just help you too, to keep up with your goals of getting out of debt. You will therefore want to explore as many low cost insurance options, as possible, to get the best insurance program that may work for you.
by: Liz Nicholas
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