How To Buy Auto Insurance - Save Money Right Away

At the moment getting car insurance is a essential. Just about each state that you Reside in will require you to obtain and maintain the proper Auto insurance coverage.

This can be a very expensive thing especially if you are strapped tight for Money. If you are just about to sign a renewal lease with your current Auto insurance supplier you ought to do yourself a favor and stop right now.

You ought to do some research so you can acquire the best car insurance rates available. Would you like to save a couple hundred dollars each year for just doing five minutes of work?

There are several options you can make use of so you can obtain the best car insurance rates possible.

One method you can benefit from to discover the best car insurance rates is to go through an agent. Agents typically contact the top providers in your area to give you the best quotes possible.

It can be very time-consuming process especially if you are running short on time before you renewal is up. An alternative popular option that you can make use of to get the best auto insurance rates is to go online.

By going online you will be able to get quotes in minutes. All it takes is a little bit of work on your part in order to get the most accurate auto insurance rates.

This means that you have to be very truthful with any information you pass onto the car insurance companies. You ought to let them know things such as every accident you have had in the past couple years and any traffic violations that you might have.

How To Buy Auto Insurance - Save Money Right Away

At the moment getting car insurance is a essential. Just about each state that you Reside in will require you to obtain and maintain the proper Auto insurance coverage.

This can be a very expensive thing especially if you are strapped tight for Money. If you are just about to sign a renewal lease with your current Auto insurance supplier you ought to do yourself a favor and stop right now.

You ought to do some research so you can acquire the best car insurance rates available. Would you like to save a couple hundred dollars each year for just doing five minutes of work?

There are several options you can make use of so you can obtain the best car insurance rates possible.

One method you can benefit from to discover the best car insurance rates is to go through an agent. Agents typically contact the top providers in your area to give you the best quotes possible.

It can be very time-consuming process especially if you are running short on time before you renewal is up. An alternative popular option that you can make use of to get the best auto insurance rates is to go online.

By going online you will be able to get quotes in minutes. All it takes is a little bit of work on your part in order to get the most accurate auto insurance rates.

This means that you have to be very truthful with any information you pass onto the car insurance companies. You ought to let them know things such as every accident you have had in the past couple years and any traffic violations that you might have.

Buying Auto Insurance Has Never Been This Easy

At the present time getting car insurance is a obligation. Just about each state that you Reside in will require you to acquire and maintain the proper Auto insurance coverage.

This can be a very expensive thing especially if you are strapped tight for Money. If you are just about to sign a renewal lease with your current Auto insurance supplier you must do yourself a favor and stop at once.

You must do some research so you can obtain the best car insurance rates available. Would you like to save a couple hundred dollars each year for just doing five minutes of work?

There are several options you can make use of so you can locate the best automobile insurance rates possible.

One method you can make use of to discover the best car insurance rates is to go through an agent. Agents ordinarily contact the top providers in your area to give you the best quotes possible.

It can be very time-consuming process especially if you are running short on time before you renewal is up. A different popular option that you can make use of to get the best auto insurance rates is to go online.

By going online you will be able to get quotes in minutes. All it takes is a little bit of work on your part in order to get the most accurate auto insurance rates.

This means that you have to be very truthful with any information you pass onto the automobile insurance companies. You must let them know things such as every accident you have had in the past couple years and any traffic violations that you might have.

Sure Shot Ways To Buy Auto Insurance

Currently getting car insurance is a requirement. Just about each state that you Reside in will require you to obtain and maintain the proper Auto insurance coverage.

This can be a very expensive thing especially if you are strapped tight for Money. If you are just about to sign a renewal lease with your current Auto insurance supplier you ought to do yourself a favor and stop at this instant.

You ought to do some research so you can acquire the best car insurance rates available. Would you like to save a couple hundred dollars each year for just doing five minutes of work?

There are several options you can make use of so you can discover the best vehicle insurance rates possible.

One method you can benefit from to discover the best car insurance rates is to go through an agent. Agents typically contact the top providers in your area to give you the best quotes possible.

It can be very time-consuming process especially if you are running short on time before you renewal is up. An additional popular option that you can make use of to get the best auto insurance rates is to go online.

By going online you will be able to get quotes in minutes. All it takes is a little bit of work on your part in order to get the most accurate auto insurance rates.

This means that you have to be very truthful with any information you pass onto the vehicle insurance companies. You ought to let them know things such as every accident you have had in the past couple years and any traffic violations that you might have.

Buy Auto Insurance Online Instantly

In this day and age getting car insurance is a essential. Just about each state that you Reside in will require you to acquire and maintain the proper Auto insurance coverage.

This can be a very expensive thing especially if you are strapped tight for Money. If you are just about to sign a renewal lease with your current Auto insurance supplier you must do yourself a favor and stop without hesitation.

You must do some research so you can obtain the best car insurance rates available. Would you like to save a couple hundred dollars each year for just doing five minutes of work?

There are several options you can make use of so you can stumble on the best car insurance rates possible.

One method you can make use of to discover the best car insurance rates is to go through an agent. Agents ordinarily contact the top providers in your area to give you the best quotes possible.

It can be very time-consuming process especially if you are running short on time before you renewal is up. A new popular option that you can make use of to get the best auto insurance rates is to go online.

By going online you will be able to get quotes in minutes. All it takes is a little bit of work on your part in order to get the most accurate auto insurance rates.

This means that you have to be very truthful with any information you pass onto the car insurance companies. You must let them know things such as every accident you have had in the past couple years and any traffic violations that you might have.

Buy Auto Insurance Online Instantly Now

These days getting car insurance is a obligation. Just about each state that you Reside in will require you to obtain and maintain the proper Auto insurance coverage.

This can be a very expensive thing especially if you are strapped tight for Money. If you are just about to sign a renewal lease with your current Auto insurance supplier you ought to do yourself a favor and stop right now.

You ought to do some research so you can acquire the best car insurance rates available. Would you like to save a couple hundred dollars each year for just doing five minutes of work?

There are several options you can make use of so you can attain the best automobile insurance rates possible.

One method you can benefit from to discover the best car insurance rates is to go through an agent. Agents typically contact the top providers in your area to give you the best quotes possible.

It can be very time-consuming process especially if you are running short on time before you renewal is up. An alternative popular option that you can make use of to get the best auto insurance rates is to go online.

By going online you will be able to get quotes in minutes. All it takes is a little bit of work on your part in order to get the most accurate auto insurance rates.

This means that you have to be very truthful with any information you pass onto the automobile insurance companies. You ought to let them know things such as every accident you have had in the past couple years and any traffic violations that you might have.

How To Buy Auto Insurance Online Instantly

Now getting car insurance is a requirement. Just about each state that you Reside in will require you to acquire and maintain the proper Auto insurance coverage.

This can be a very expensive thing especially if you are strapped tight for Money. If you are just about to sign a renewal lease with your current Auto insurance supplier you must do yourself a favor and stop at once.

You must do some research so you can obtain the best car insurance rates available. Would you like to save a couple hundred dollars each year for just doing five minutes of work?

There are several options you can make use of so you can obtain the best vehicle insurance rates possible.

One method you can make use of to discover the best car insurance rates is to go through an agent. Agents ordinarily contact the top providers in your area to give you the best quotes possible.

It can be very time-consuming process especially if you are running short on time before you renewal is up. A different popular option that you can make use of to get the best auto insurance rates is to go online.

By going online you will be able to get quotes in minutes. All it takes is a little bit of work on your part in order to get the most accurate auto insurance rates.

This means that you have to be very truthful with any information you pass onto the vehicle insurance companies. You must let them know things such as every accident you have had in the past couple years and any traffic violations that you might have.

How To Buy Auto Insurance Online Instantly - 2 Ways To Do It

Today getting car insurance is a essential. Just about each state that you Reside in will require you to obtain and maintain the proper Auto insurance coverage.

This can be a very expensive thing especially if you are strapped tight for Money. If you are just about to sign a renewal lease with your current Auto insurance supplier you ought to do yourself a favor and stop at this instant.

You ought to do some research so you can acquire the best car insurance rates available. Would you like to save a couple hundred dollars each year for just doing five minutes of work?

There are several options you can make use of so you can locate the best car insurance rates possible.

One method you can benefit from to discover the best car insurance rates is to go through an agent. Agents typically contact the top providers in your area to give you the best quotes possible.

It can be very time-consuming process especially if you are running short on time before you renewal is up. An additional popular option that you can make use of to get the best auto insurance rates is to go online.

By going online you will be able to get quotes in minutes. All it takes is a little bit of work on your part in order to get the most accurate auto insurance rates.

This means that you have to be very truthful with any information you pass onto the car insurance companies. You ought to let them know things such as every accident you have had in the past couple years and any traffic violations that you might have.

How can they make us buy coverage?

With the introduction of Senate Majority Leader Harry Reid’s 2,074-page health insurance nationalization bill, we can be thankful for one thing at least. It will most likely be the last bill of its kind introduced this year. Who’d have time to wade through another?

This doesn’t mean there is anything in the bill to be thankful for. Like its Senate predecessors and House counterpart, it should offend any advocate of liberty and good economic sense.

First and foremost among its defects is the individual health insurance mandate: Every individual would be forced to buy government-defined comprehensive medical coverage (or to have it bought by one’s employer). A fine up to $750 awaits anyone who defies the mandate.

As Shikha Dalmia points out in Forbes this week, the individual insurance mandate is the major outrage in the whole “health care reform” scam. I would say it’s the keystone. Remove it and most of the rest crumbles to the ground.

Who do these politicians think they are? Our lives are not theirs to dispose of.

Politicians love to sugarcoat their threats of force. So the Reid bill calls the mandate “shared responsibility.” To those who wonder by what authority the government can make us buy insurance against our will, the bill alludes to the Constitution’s Commerce Clause, which gives Congress the power to “regulate. . . commerce among the several states.” (For a fuller story on the clause, see this.) The bill says, “The individual responsibility requirement provided for in his section . . . is commercial and economic in nature, and substantially affects interstate commerce.”

How would an insurance requirement affect interstate commerce? The bill says that since without the requirement people wouldn’t buy insurance until they are sick, it therefore “will minimize this adverse selection and broaden the health insurance risk pool to include healthy individuals, which will lower health insurance premiums. The requirement is essential to creating effective health insurance markets in which improved health insurance products that are guaranteed issue and do not exclude coverage of pre-existing conditions can be sold.”

In other words, for the sake of making the insurance market work better, we must be forced to buy coverage. How’s that for a justification?

It’s amazing how many fallacies can be stuffed into one argument. To begin, medical insurance isn’t really interstate commerce. One of the few sensible things proposed during the public discussion on medical care is that the federal ban on interstate purchase of coverage be repealed. Residents of California are not free to buy less-fancy, less-expensive policies offered in Arizona. They are stuck with policies made more expensive by California’s overbearing regulatory regime. Interstate sales would increase competition and lower prices, but the ruling party shows no interest in that idea. So how can this be about interstate commerce?

How can they make us buy coverage? 071009banner3

There’s more that is wrong with the argument. Typically, the Commerce Clause has been invoked against barriers to the free flow of interstate commerce. The Supreme Court has occasionally upheld the prohibition of activities (such as growing wheat for one’s own use in violation of an acreage-allotment program or dispensing medical marijuana) that were said to adversely affect interstate commerce. But the insurance mandate would represent the first time that individuals were compelled to buy product or service in the name of making interstate commerce more effective. The Congressional Budget Office calls it “unprecedented”: “The government has never required people to buy any good or service as a condition of lawful residence in the United States.”

Even under the most expansive reading of the Commerce Clause, how does compelling the purchase of insurance qualify as regulating interstate commerce?

The nub of the bill’s argument is that if healthy people are not forced to buy coverage, the insurance market won’t work properly. Why not? Because same bill would compel insurance companies to accept all applicants for coverage, sick or healthy, without price discrimination. That is, the bill creates the incentive for people to opt out of insurance until they are sick. Obviously, that would not be good for the insurance market.
Self-Caused Problem

The individual insurance mandate, then, is a solution to a problem the bill itself would create. The authors invoke the Commerce Clause to protect interstate commerce from a threat they themselves pose to it. They could avert the threat simply by not imposing guaranteed-issue on insurers.

But of course the advocates of nationalized medicine wouldn’t do that. Guaranteed issue is at the center of their scheme. They want to proclaim that they brought universal coverage to America. Freedom must take a back seat to their objective, which is to disguise a welfare program as insurance and put us on the road to government-administered rationing.

The “reformers” are quick to point out that people without insurance go to emergency rooms for medical care and sometimes don’t pay their bills, shifting the costs to the rest of us. But Shikha Dalmia notes that uncompensated care accounts for less than 3 percent of the country’s total medical bill. To save $40 billion a year, we should spend more than $100 billion a year and lose more liberty? No thanks.

One reason for uncompensated care is that emergency rooms are forbidden to turn away patients (even in non-emergencies) who have no means of payment. Who imposed that prohibition? The government, of course. That may sound humane, but one unintended consequence is a likely contraction of charitable care. Why set up facilities for the indigent if they can turn up at any emergency room?

Again we see Mises’s Law at work: Intervention begets intervention. Government action creates problems that politicians then use to justify more government action. Undoing the first intervention would help solve the problem, but politicians have little incentive to move in that direction.

Government has suppressed the free market in medical care both on the supply and demand sides. As a result, medical services and insurance are artificially expensive, pricing many people out of the market. Instead of removing the interventions and letting the free market — including mutual-aid associations and philanthropy — lower prices and create more widespread coverage, the politicians propose to pile on more market-suppressing measures. Freedom is the first casualty. But we can also anticipate an aggravation of the current system’s worst features.

Forcing individuals to buy insurance is an intolerable assault on our liberty — not to mention a massive subsidy to the insurance companies. (They’re mad the penalty is not greater.) How many more usurpations can we be expected to tolerate?

COBRA insurance subsidy program ends soon

A deluge of uninsured patients may swamp the health care system in the wake of the end of federally subsidized benefits for the uninsured.

Robert Resendes, the director of Yavapai County Community Health Services, said the current recession already has stretched his organization's programs.

"Ever since the economy started dropping, we've seen a huge increase in our numbers," Resendes said. "We'd expect to see a continued increase. In the last three years, we've seen a doubling of patients in our clinics."The county provides sliding scale fees for medical and dental service. Patients using the sliding scale clinics have increased from 15,270 for the fiscal year ending in June 2007 to 22,831 for 2008 to 27,379 for the year ending in June 2009.

Families USA, a national organization for health care consumers, said that unless lawmakers extend the subsidies, many Arizona workers who have lost their jobs also could lose the federal subsidy under the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) on Dec. 1. The subsidies began in March under the American Recovery and Reinvestment Act, and included those laid off beginning Sept. 1, 2008.

Eligible people pay 35 percent of their COBRA premiums and the remaining 65 percent goes to the insurance company through a tax credit, according to the U.S. Department of Labor.

Without continued help with COBRA payments, health insurance premiums would total 83 percent of the average unemployment check, putting health care coverage out of reach for many, Families USA contends.

But U.S. Rep. Ann Kirkpatrick said, via e-mail, that Congress may discuss proposals to extend the temporary assistance in December, although it has not worked out details.

"We need to be focused on doing all that we can to create and save jobs in our communities so that more people will be able to get and keep their insurance," Kirkpatrick said. "That continues to be my top priority. This program has done some good, but it is still expensive for our working families - it is a stopgap."

Robbie Nicol, spokesperson for Yavapai Regional Medical Center, was uncertain how much the change would affect the hospitals.

"It's difficult to accurately project what impact this change in the COBRA laws will have on our ERs," Nicol said. "It may certainly mean an increase in patients who are uninsured, but I don't have data that would help me be more specific."

"We want to reassure everyone in our communities that our emergency rooms in Prescott and Prescott Valley are available for them 24/7 when they need us," Nicol added.

Meanwhile, the county has hired more doctors to meet the increased demand, Resendes said.

"We would anticipate an increase in patients," Resendes said. "It's kind of tough to be proactive. We've never done it or seen it before. We will be promptly reactive. We try to build in enough flexibility that we'll be elastic. We're the safety net."

McCain criticizes Senate health plan

U.S. Sen. John McCain, R-Ariz., on Monday criticized the health care reform bill that was approved for Senate debate on Saturday, saying it raises government spending to unsustainable levels.

“Americans are frustrated and angry because we have accumulated and continue to run up a … deficit of unprecedented proportions,” McCain said.

Speaking at a town hall meeting at the North Phoenix Baptist Church to an audience that included doctors and care providers, McCain said he also feared the prospect of health care being rationed by the federal government.

He cited a controversial report released by the Preventive Services Task Force last week that recommends against mammograms for women under 50 as cause for particular concern — a provision in the Senate bill would allow the Secretary of Health and Human Services to modify benefits to follow the recommendations of the task force.

“One of our greatest fears is health care rationing,” McCain said. “We don’t want the government deciding which procedures would be allowed and which wouldn’t.”

The crowd was made up largely of McCain supporters. During the public comments portion of the meeting, Arizona Medical Association President Beth Perdy criticized mandates that would require small businesses to provide their employees with insurance or pay a penalty, a measure she said would hurt her own practice.

“We ran the numbers, and [the bill] would increase our burden 2.5 times,” Perdy said. “We can’t bear that burden.”

The $848 billion reform bill reached an important procedural landmark Saturday, when the Senate voted 60-39 to open up floor debate. The bill includes a public health insurance option and a provision mandating all citizens purchase health insurance.

McCain criticized the Democratic majority as being uncooperative in bipartisan negotiations and ignoring Republican alternatives to the bill that include a provision to give families tax credits for medical care.

“We’ve had alternatives, but we just haven’t been able to get our message through,” he said.

Economics senior Todd Phillips said he feels the fears surrounding government-rationed health care are unfounded because coverage is already rationed by insurance companies.

“Government-rationed health care is really a misnomer because we already have health care rationing now,” Phillips said. “We already have the markets rationing, [and] we already have insurance companies rationing health care.”

McCain, however, argued that the bill goes too far, which has produced a high level of public backlash in the form of demonstrations and declining support demonstrated by the latest Rasmussen Reports poll. A report released Monday said 38 percent of voters approve of the plan, down from 47 percent last week.

“It’s out there,” McCain said. “The question is, will the Democrats understand that the people don’t want this?

Gay Spouses Due Benefits in the State, Court Finds

The state’s highest court on Thursday upheld policies giving some government benefits to same-sex couples who are legally married outside the state, but did not rule on whether gay marriage should be legal in New York, leaving that issue for the Legislature to decide.

Though the majority in the 4-to-3 decision focused its decision on the narrow question of benefits, the three judges in the minority went further and said the court should have upheld the policies because same-sex marriages legally performed in other states deserved to be recognized in New York.

One of the cases before the court, the Court of Appeals, involved the State Department of Civil Service, which in 2007 extended health insurance benefits to the partners of state and local workers who married in other states or countries. The other case involved a policy adopted in Westchester County in 2006 requiring county officials to recognize same-sex unions performed elsewhere.

Judge Eugene F. Pigott Jr., writing for the majority, said, “The legislature intended to give the Department of Civil Service — guided of course by the collective bargaining process — complete discretion to determine the limits of dependent coverage.”

In the Westchester case, the plaintiffs claimed that an order by the county executive, Andrew J. Spano, had led to “the illegal disbursement of county funds.” That claim was rejected on technical grounds, because the plaintiffs did not offer an example of when taxpayer money was disbursed improperly.

“We find this lack of specificity fatal,” Judge Pigott wrote.

When it came to the broader issue of whether the state should legalize same-sex marriage, Judge Pigott wrote that the court hoped that “the Legislature will address this controversy.”

But Judge Carmen Beauchamp Ciparick, writing for the minority, said, “The orders under review should be affirmed on the ground that same-sex marriages, valid where performed, are entitled to full legal recognition in New York under our state’s longstanding marriage recognition rule.”

Susan Sommer, director of constitutional litigation at Lambda Legal, which worked on behalf of two same-sex couples involved in the cases decided on Thursday, said, “This victory ensures that important spousal health coverage that same-sex couples need to protect their families will continue.”

But Brian Raum, senior counsel at the Alliance Defense Fund, an Arizona group that represented the plaintiffs in the cases, said, “We are disappointed that the court avoided addressing the real issue in this case.”

“In New York, the only relationship recognized as marriage is the committed relationship between a man and a woman,” he added. “State and local officials should not attempt to use marriage laws from outside jurisdictions to place their political agendas ahead of the law.”

The Court of Appeals will probably weigh in on other cases involving same-sex marriage. The Alliance Defense Fund is also coordinating the legal challenge to an order issued last year by Gov. David A. Paterson, an outspoken supporter of same-sex marriage, that requires state agencies to recognize such marriages performed in other states.

The ruling on Thursday came as the State Senate moved closer to holding a vote on legalizing same-sex marriage. The Assembly has passed such a measure, but its prospects in the narrowly divided Senate are uncertain.

Advocates have been pressing the Senate to at least vote on the matter, forcing lawmakers to make their positions known and ensuring a passionate debate on the floor. Alan Van Capelle, executive director of the Empire State Pride Agenda, seized on the court’s urging the Legislature to act.

“The Court of Appeals was unusually explicit in its ruling today,” Mr. Van Capelle said. “We agree and eagerly anticipate a debate and vote on the marriage bill in the State Senate. Full recognition of the rights of gay couples is imperative.”

Some states already poised to opt out of government-run public health plan

At least 11 states intend to forge ahead in the coming months with bills and ballot questions designed to block some of the healthcare reforms Democrats are trying to pass this year.

Their efforts could be a harbinger of trouble for the staple feature of Senate Majority Leader Harry Reid's (D-Nev.) newly unveiled healthcare plan: a public option that allows states the ability not to participate. Starting as early as this summer, state lawmakers began introducing bills that would shield their citizens from individual or employer mandates, among other key reforms in Democrats' healthcare proposals, according to the National Council of State Legislatures.

Movement on those issues is not likely for a few more months, as most state legislatures are not in session. Some state constitutions also require ballot measures in order to approve changes of that magnitude, further delaying any local action on the healthcare front.

However, these legislatures' early moves still offer crucial hints about how many states would similarly exempt themselves from the public option, should the Senate bill's “opt out” clause remain intact.

Already, the Congressional Budget Office estimates about one-third of states would back out of the system, limiting the public option insurance pool to about 3 or 4 million Americans. That would make the public plan's enrollment about 1 million smaller than the House's version of the program, according to a cost analysis of the Senate proposal.

Among those states likely to bow out first could be Virginia and New Jersey, which both recently elected Republican governors.

Both Virginia Governor-elect Bob McDonnell and New Jersey Governor-elect Chris Christie signaled a willingness to exempt their states from a public plan during their respective campaigns, and they could revive their opposition once they assume office in January.

“Turning over the best doctors, the best hospitals, the best pharmaceutical research and development system to the federal government for a co-op or a public option is [an idea] I don't hear Virginians very excited about,” McDonnell, then a candidate, told Fox News in October.

Similar battles could play out across the country, especially in the 13 states where Republicans dominate both the governor's mansion and the legislature, or the 10 states now under split-party control.

Bigger still for Democrats to consider: The possibility that states could have some say in the public option debate months before voters head to the polls is likely to inject a serious dose of national politics into otherwise local races.

Thirty-seven governors seats -- and vast number of seats in most states’ legislatures -- will be contested in 2010, and all might have to answer the daunting question of how they would side on an optional government plan.

The CBO did not provide any concrete numbers about how opt-out states would affect public option premiums, but analysts have long maintained that a small pool -- coupled with the possibility most of its beneficiaries might need expensive care -- is likely to raise prices.

“Congress has been focused on health and energy legislation that will cost millions of jobs,” Mississippi Gov. Haley Barbour (R), head of the Republican Governors Association, stressed during a radio address last week.

“Hopefully, Tuesday’s fire alarm will get Washington’s eye back on the ball: back on job creation and economic growth," he said, noting the GOP's wins in Virginia and New Jersey had a lot to do with growing dissatisfaction over Democrats' healthcare bills.

However, that has led public option's staunchest proponents to carp that unnecessary political grandstanding could cause Senate Democrats' bill to backfire.

The public option's ability to drive down costs, these lawmakers argue, depends greatly on the number of people in the pool, and purchasing power is severely diminished when states are afforded the ability to opt out of it.

“I’m getting tired of saving Obama’s can in the White House,” said a frustrated Rep. John Conyers (D-Mich.) earlier this week.

“I mean, he only won by five votes in the House, and this bill wasn’t anything to write home about,” he said, suggesting that bill was too centrist for his taste. “The public option is only available — which is the only way you manage cost and give some competition to 1,300 other health insurance companies — the only way he could have got that through is that progressives held their nose and voted for the plan anyway.”

Giving Thanks for Everything Your Car Insurance Does for You-Whether You See It or Not

How much would you say you know about what your car insurance company does for you? Do you know all the behind the scenes players? Or are you just starting to figure out the benefits of all of those insurance payments you make each month? With Thanksgiving coming right around the corner now seems like the right time to sit back and give thanks for everything your insurer does to keep your life flowing smoothly.

This Thanksgiving, don't forget to lift a toast to your car insurance company. Why? For starters, what about the way your liability car insurance saves your bacon every day?

Most people don't really think about the significance of their liability car insurance coverage until they've been in an accident. Hey, no one's blaming you for it. You have no reason to. If you've had to receive medical care for anything lately, however, you're already well aware of the fact that the cost of health care is currently bordering on the obscene. If you're not carrying a health insurance policy, affording regular health care is often out of your reach.

Your health insurance isn't going to do a thing to help cover the cost of medical care for the other driver(s) after you've been in an accident. It's not even going to be an option. When a single day in the ICU costs over $5,000 and there's no limit to the amount of time they could spend in there the number of zeros in the hospital bill you could be handed is almost inconceivable.

Then there's the cost of fixing your car up. Hopefully you didn't buy into that old wife's tale about how it's just not worth it to put comprehensive and/or collision on your car when you actually own it outright and went ahead and put the extra coverage on anyway. The difference in your car insurance rates is all but negligible, but the way it can rescue your bank account (and your credit) when you've been in an accident is astounding. They'll step in and pay to repair or replace your car, whether it's been swallowed whole by a tsunami or liberated from the oppression of ownership by someone who decided your car stereo would make a sweet addition to their personal collection.

Either way, you'll be shelling out a deductible rather than the full cost of the repairs, and that's always good news. So don't forget to take a little time to be thankful this Thanksgiving. Your car insurance deserves it.

Individual Health Insurance Plans: How To Get Them

If you devote even a few hours over the Internet, then you will know about various individual health insurance plans. As they are available in a very large quantity, it gets very difficult for a person to choose the best among them.

In case you are also suffering from the same dilemma, then here is the information on how to get them. Firstly, you should remember that all insurance plans that appear to be very beneficial are not very beneficial. It is just the marketing strategy of the company that makes them appear lucrative so as to attract an endless number of customers towards them. Hence, it is important to analyze all the aspects of the plans before going for them.

In order to know if the insurance plan available is highly beneficial or not, it is important to do some research. There are various good insurance review websites available that provide unbiased reviews on various health insurance plans for individuals. By this way, you will know about various insurance options that are better than the rest.

After selecting few good plans, now the next step is to check them out in detail. You should check out how much coverage is provided by the plan, what is the premium of the plan and so on. It is important to note here that you should not go for the option that appears to be cheapest. You should rather choose the one that is better in all respects.

So the above mentioned is the way which you can find the right health insurance plan for individuals. Hence, you should now go for finding the right individual health insurance plans which are not just affordable but highly beneficial also. Remember for better future, you need to make the planning in present.