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Cheap Insurance Starts with Consumer Education

One of the most important things we can all do as insurance customers is to educate ourselves about the forms of coverage we buy, and upon which we depend when things happen that are beyond our control.

AUTO INSURANCE

Cheap auto insurance, for instance, is a goal on pretty much every driver’s mind, but does the average driver know that as your car ages, you can probably drop the comprehensive coverage since the chances that the vehicle will be totaled by the insurer are much higher?

The article “Cheap Auto Insurance Differences: Understand the Coverage You Need” explains the types of coverage most often presented to drivers, and helps you to sort out what you really need to be adequately protected. Listen to a lot of commercials with cute little creatures or reassuring actors trying to sell you policies with catch phrases that sound good? You might want to read, “Accident Forgiveness – What Is It Really?” Get most of your insurance advice around the water cooler at work? Take a few minutes to go over, “Common Misconceptions About Cheap Auto Insurance.”

HOME OWNERS INSURANCE

Myths and word of mouth advice abound in just about every coverage genre, which means that what should be cheap insurance for you winds up being expensive when it doesn’t do what you think it’s going to do. Case in point? Have a look at “Myths About Cheap Homeowners Insurance.” Do you know what kinds of special insurance you need for potential disasters not covered by your primary homeowners policy? See “2010 Hurricane Season: Everything You Need to Know About Hurricane Insurance,” or “Earthquake Insurance, The Pros and Cons of Purchasing Earthquake Insurance.”

HEALTH INSURANCE

Perhaps one of the greatest points of confusion for all Americans is what exactly is happening with their health coverage and, with the changes in federal law, whether or not cheap health policies really are now within their reach. This is especially important for people who already have health problems, the topic of “Health Care Reform and Pre-Existing Conditions.” Since the debate about American health care policy is far from over, “The Latest Bipartisan Health Care Reform Information” provides a starting point for understanding what the politicians are still arguing about.

LIFE INSURANCE

As a consequence of the recession, many people have dropped their life insurance policies without realizing that may well be the best future protection they can offer to their loved ones. “The Truth About Cheap Life Insurance” and “What’s the Best Age to Purchase Life Insurance?” both help consumers to understand why these policies are important for families. (Also, don’t neglect to read, “10 Ways to Save Money on Your Life Insurance.”)

MOTORCYCLE INSURANCE

Cars and trucks aren’t the only vehicles on the road. “Preliminary Motorcycle Fatality Statistics for 2011” is a sobering read. More people are riding bikes than ever before, and more of them are doing so without helmets — a sure recipe for disaster and one that begs adequate, inexpensive insurance.