Major Medical Health Insurance – Tips For Lower Rates

Are you interested in paying less for major medical health insurance? Then you have come to the right place. I will uncover a number of ways that will guarantee you lower costs…Smokers attract rates that are twice or more that of people who do not smoke. It’s no longer a hidden fact that smoking is the topmost cause of cancer and other killer diseases.It costs insurance companies much more to give insurance to smokers because of their high risk. Once you stop smoking for about twelve months tell your present insurer or reapply to some other insurer and you’ll experience a dramatic drop in your premium.That extra weight will make you spend a lot in health insurance. Your BMI or Body Mass Index is a very important factor used to calculate your risk to an insurer.If your Body Mass Index rating is high, your rates will be high. You’re overweight for your height and sex if your Body Mass Index is high. And do not think that you will get savings only when you lose fifty pounds, just dropping off a few pounds will get you lower rates once it alters your Body Mass Index rating.It’s now generally understood that smoking will attract higher rates. What many might not appreciate is that the same also applies if you use any other form of tobacco product. For instance, you will attract a more expensive premium if you chew or snuff tobacco.Staying off all tobacco products will attract more affordable major medical health insurance.A poor driving history can make you pay higher health insurance rates. Rough driving charges and other traffic violations can seriously increase your health insurance premium. This is because you will become a greater risk to your insurance provider.You’ll reduce your costs if you develop a the right attitude behind wheels. If you use a sports car or power bike, you’ll likely pay much more for health insurance. This is because they are more likely to make you need medical attention due to their higher risk of accidents.

Affordable Home Insurance Tips – Dealing With Rising Costs

With the current global economic crisis, as many as 75 percent of insurance providers have estimated that insurance premiums will rise up this 2009 and the insured definitely will bear the burden. Not to worry, there are some interesting ways to combat effectively the rising home insurance rates.Though the crisis is global, the competition in the insurance industry is still very high with many providers fighting for customers in the market. Go online and shop for companies that offer affordable rates to new customers. Some of them are in the habit of raising policy rates for older customers who are unlikely to move to other providers; if your provider behaves this way, it is time for a change.Take some precautionary measures like investing in flood guard and sand bags especially if your property is in a flood risk area.You can also install burglar / smoke alarms, fix door and window locks, security lighting etc these devices attract a lot of discounts from insurers. This will eventually lead to great savings annually.Even with a bad global economic situation, you are more or less self-mandated to protect you home, home content and the human occupiers that reside in the property with you. Do not allow this economic down slide to make you compromise on more important issues like buying a comprehensive home cover deal. Your fastest and safest means is to use the internet. Online, it is easy to get connected to many reliable providers and also very easy to get approved for your preferred deal.Where To Get Trusted Home Insurance Companies and Compare Their Free Quotes Online?