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Once everything started rolling I didn't have to worry and having only one payment was great.
- Betty Morris

Did you know?

91% of undergraduates have at least one credit card

When was the last time you evaluated your insurance plans?

Let’s be honest, it’s probably about that time. It is highly beneficial to check all of your insurance plans annually to make sure you are properly covered and you’re getting the best deal possible.

Home Owner’s Insurance

Most likely your highest valuable asset is your home so it should be first priority to insure its safety. Make sure you have maximum coverage on your home. Go to several agents to see what you would get for maximum replacement coverage for the area you live in. If you can afford a higher deductible that is a great way to lower your monthly payment. Even if you end up staying with the company you currently have, it is important to have an updated inventory of your collectibles, home and office equipment and additional furniture sets you may have acquired since you last notified your insurance company.

Car Insurance

Just because you have been with your insurance company for a prolonged period of time does not necessarily mean you’re getting the best deal out there. Most insurance companies will provide you with a free quote so take advantage of that and see who can get you the best deal. Some insurance companies will not even charge you a set-up fee or down payment to start. You should also be able to set the date of your new insurance policy so it begins when your current insurance ends so there will be no lapse and you will not be paying for 2-insurance policies at the same time. Also be aware of the car you’re driving, would you say it’s old enough that if totaled wouldn’t result in a financial burden? If so, you may want to drop collision coverage and/or boost your deductible. Save the extra money you’re saving in insurance for a new car in case your current car is totaled.

Disability Insurance

If you get disability coverage through work you may need separate coverage due to policy restrictions or inadequate coverage for missing a considerable amount of time from work.

Health Insurance

If you do not fully understand all of your deductibles and co-pays it’s time to get familiar. Does your current health insurance plan provide for out-of-network care? If not, this could mean you paying a high emergency visit bill had you utilized an emergency facility at which you were not covered. What about your prescription coverage, what kind of discounts are you receiving? To make sure you’re getting the best out of your benefits and to know your rights visit: for 10-Ways to Make Your Health Benefits Work for You.

Life Insurance

I know this isn’t something anyone wants to think about but it is a fact of life so it is important to protect your children and your spouse. There are a variety of Life Insurance Companies out there, be sure to pick one that is well established. Also, you would be amazed at how inexpensive basic coverage is and after you do it, you will feel so much better knowing that if anything were to happen your loved ones will be taken care of.


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