- ISBN13: 9781601380067
- Condition: NEW
- Notes: Brand New from Publisher. No Remainder Mark.
Product Description
By several measures, insurance for you, your family, your home, and your car continues to rise at the fastest rate in our history. In 2005 (the latest year data are available), total national health expenditures rose 7.9 percent - more than three times the rate of inflation. Nearly 50 million Americans are uninsured for healthcare. According to Insurance Information Institute projections, the average annual expenditure for auto insurance in 2006 was $851. Millions o... More >>
{ 5 comments… read them below or add one }
Like too many twenty-somethings in our culture (and maybe even thirty-somethings and beyond), I’ve hardly given thought to insurance. Since I don’t own a car or a house, am healthy and employed with basic health care, and not old enough to worry about term life, it didn’t seem like any of it pertained to me. Boy, was I wrong.
After reading Carla and Lee Rowley’s “Cheap Insurance for Your Home, Automobile, Health and Life,” I learned how naïve I was. The authors offer a plethora of useful advice even someone like me needs to know, such as mitigating risk and why it’s vital to be insured. This book is a great learning tool to prepare me for the next stage of my life, arming me with important information on home insurance options, automobile insurance requirements and policies, the types of health insurance available, and how to plan for managed care, among additional related and helpful topics. Best of all, the authors’ advice on comparison shopping really hits the mark for our present economy.
After reading this book, I felt better informed and more able to make an educated choice on the various insurances I’ve learned I so badly need. This is a bible for anyone without previous experience in these areas and a resource for those who need a brush-up on specifics.
Everyday people face serious risks such as automobile accidents, damage or complete destruction of their home, and even death from an illness or accident. Because of these risks, it is important to protect yourself from years of financial agony and devastation. Cheap Insurance For your Home, Automobile, Health & Life provides you with the insight to understand how insurance rates are calculated, the importance of homeowners and renters insurance, how to take advantage of premium reductions such as Multiple Line or Vehicle Safety, and when to make a switch to another insurance company to avoid cancellation fees. In this informative book you will discover how your driving record and credit score affect your automobile insurance, how to determine whether or not you are adequately covered, and how to obtain high risk insurance if you are considered uninsurable. Cheap Insurance For Your Home, Automobile, Health & Life details the types of health insurance available for individuals, families, self employed, government funded insurance, and extra insurance such as: accidental death or dismemberment or specific disease insurance. It also explores the difference between whole life insurance versus term life insurance, including information on policies that can build cash value such as universal life policies. Cheap Insurance for your Home, Automobile, Health and Life is very informative, offers you several ways to save on insurance premiums, and provides you with the confidence to ask the right questions to get the rates you deserve. I give this book a 4 out of 5 star rating.
As someone who generally has more optimism than cash, I really hate shopping for insurance. Paying good money to guard against the potential for some unforeseen disaster just irritates me, which is why I tend to be a bit lazy in comparison shopping for the best coverage. Luckily, “Cheap Insurance for Your Home, Automobile, Health, & Life” offers several tips which make this unpleasant task much easier.
According to the authors, the most important aspect of saving money on your insurance costs is to understand how policies are written and what factors are used to determine your rates. Obviously, there’s not much you can do about your gender, previous medical history, or whether or not your house happens to be located near the local fire station. However, knowing that installing sprinklers in your home can lower your homeowner’s insurance or that changing where you park your car at night can save you a few bucks on your auto insurance premiums is definitely useful information.
While tech savvy individuals probably think the Internet is the best resource for comparing insurance policies, “Cheap Insurance for Your Home, Automobile, Health, & Life” points out that you might get a better deal by enlisting the services of an independent agent or taking the time to contact multiple agencies on your own. As for the process of choosing an insurance agent, they offer a handy checklist of factors to consider, so you’ll feel confident your needs will be taken care of in the event you need to make a claim on your policy.
Overall, “Cheap Insurance for Your Home, Automobile, Health, & Life” is a very user-friendly guide to a slightly dry topic. The book is nicely organized, so you can quickly flip to the section you need or skip over the parts that don’t apply to your life. Follow the tips carefully and you’ll probably manage to shave a couple hundred bucks off your annual premiums, so it’s well worth the price.
Cheap Insurance, by Carla & Lee Rowley, is a terrific book! It has full, comprehensive explanations for a complicated subject matter, but it breaks information down so that it’s easy to understand. The book gives scenarios and examples of insurance situations, gives Tips and overviews, and teaches you about necessary and unnecessary coverage.
The book is most helpful in providing a basis in which you can make informed comparisons, and understand your insurance company’s obligations, and method of assessing your risk factors.
Especially helpful is the books’ state -by- state auto insurance comparisons, which outline the state’s auto and personal liability coverage requirements. Also, the online links provided, give you the option of further comparison shopping, and a place to do further study.
I found myself flipping back to take advantage of the insurance glossary, for an explanation of the terms & vocabulary. This is a great book to read before you sign on the dotted line of any insurance contract.
This is a must read for every adult or college student. I’m 28, and no one has ever explained to me about all the different insurance policies and how important having insurance is. The book was easy to read and I found it was also easy to understand.
There are so many aspects concerning insurance that this book deals with. One point that I found very interesting was how most home policies do no cover a home business. I thought home insurance covers everything in your home, but it doesn’t.
After reading this I learned what discounts I can get, how to check to make sure that the coverage I’m paying for will actually cover me in a real crisis, and how to shop for the right policy. We always think, it can’t happen to me, unfortunately bad things can happen and you should be prepared.
This book would make for a perfect class, and I think everyone should read it. This book tells you everything you need to know and gives you the tools you need to take care of yourself and your family in an emergency. I feel better knowing that I can go to an agent and make sure they aren’t screwing me over, by knowing all the facts beforehand.
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