Daily Archives: October 17, 2017

Archive of posts published in the specified Day

Oct
17

Small Business Health Insurance Providers With the Best Rates

When it's time to select a health care plan for your employees, you need to look at several small business health insurance providers in order to find the one with the best coverage and the best rate.

Some factors you want to consider when you are shopping for medical coverage include the type of insurance, the price, and the company's stability and service.

Type of Insurance

Small business health insurance plans offer group coverage, which is always going to be less expensive than individual coverage. In general, small business health insurance plans fall into one of these two types:

* Fee for Service. With this type of plan, employees receive a fixed reimbursements for medical costs and can choose any doctor or hospital. These are the most expensive type of health insurance.

* Managed Care, such as PPOs (Preferred Provider Organizations) and HMOs (health maintenance organizations). With PPOs and HMOs, employees must choose a doctor and hospital that's part of a health care network. HMOs usually offer fewer choices than PPOs and employees may need approval before they can visit a specialist.

Price

The same type and amount of coverage can vary by thousands of dollars from one company to another. To ensure that you get the best rate, use an insurance comparison website to get quotes from at least three insurance providers. (See link below.)

Stability and Service

You want an insurance company that's going to be able to pay your claims and that will provide good customer service. You can check on the financial stability of insurance companies by checking rating services such as AM Best (ambest.com), and Standard & Poor's (standardandpoors.com).

A good place to check on a company's customer service record is to go to your state's Department of Insurance website or the Better Business Bureau. They will have records of complaints lodged against the company. …

Oct
17

Auto Insurance For Your Teenager

Statistics for teen drivers is far from impressive. Their crash rate is so high that many parents will prefer they do not drive until they get older. For families who really do have such a hold on their kids, it may work. But you've got to understand that peer pressure is really a very big issue at this age. So what can you do to both keep your teen safer and lower the usually high auto insurance premium associated with teen drivers? This article will help you …

Teenagers usually get adult privileges but prefer kindergartens responsibilities. If you want to help your teenager really grow up, let them know that with every privilege comes some responsibilities. If it makes sense in your circumstance, let them pay for their auto insurance or at least bear a part of their auto insurance premium. It's my discovery that once young people pay for something with their hard-earned cash, they end up being more careful with it.

Here are a few rules that will keep your teenager safer …

1) Let them never drive in company of fellow teens or kids unless there is a responsible adult in the car. I used the word "responsible adult" because some adults may not be enough positive influence on these teenagers.

2) Let there be an agreement between you and your teenager that they will not drive in the night. And, where it becomes inevitable, go over things they must bear in mind. Most accidents happen between 9.00pm and 2.00am.

3) They must never touch the steering wheel once they've taken any form of alcoholic beverage. Take note that to be on the safe side they should know that they are not allowed to drive if they take so much as a sip of alcoholic beverage.

4) Let it be ingrained in your teenager that they are not on a race track even when they are on the highway. They should obey speed limits and traffic laws.

5) They must tell you where they intend to drive to with their cars. And, please, be firm if you think they're better off with a cab or even if you think they should not go there.

These all presume that you already have great communication with your teenager. Whether you do or do not, here's something that will surely help you get cheap auto insurance for your teen …

Visit at least three auto insurance quotes sites and obtain quotes from them. Obtaining your auto insurance quotes from this many or more sites ensures you do not miss great offers that are not available on the other sites. …