Many medical experts say patients have remained very conscious of their health spending following the economic downturn, which could lead them to be more selective of the type of care they receive. In addition, businesses have raised deductibles and copayments and reduced benefits for many employer-sponsored health insurance plans over the past few years, which might cause plan members to delay or skip care.

According to the “Times,” analysts believe the tough economy has led to fundamental changes in the way people use the health care system.

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You could go to an independent insurance broker that represents multiple companies and he can give you comparison quotes. I personally would recommend getting coverage from one of the larger companies such as State Farm, Farmers or Allstate.

The online comparison sites obviously are not reliable when it comes to following the Yahoo! Answers Community Guidelines. They have posted three spam answers already to this question already.

Has anyone used comparisons.org for auto insurance? i’m looking for cheap insurance and don’t know if i can trust them. any suggestion from anyone?

Regardless of who you decide to use, amounts will vary depending on what kind of coverage will you have. Just Liability?Collision?Theft?Vandalism? there isn’t a “set price” or a “standard price” that suits everyone, You should get quotes from as many companies as possible. It’s all up to you. Just make sure you compare the same coverage across different companies.

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Using the Internet to compare quotes side-by-side allows consumers to quickly pinpoint the insurers offering cheap auto insurance rates for the coverage desired.

When comparing auto insurance, take the following into consideration:
* Price – The price of a carrier is among the biggest concerns of shoppers, especially during tough economic times. The important thing to remember, is to compare the same coverage, as they say “apples to apples”, and keep in mind the extras such as towing and rental as well as details such as deductibles and liability limits.
* Strength – The financial strength is a good indicator of the stability of a company. Due to the highly publicized recent financial failure of major carriers, more people find this to be an important factor.
* Service – Good customer service is an important factor. In the event of a claim, policyholders should get fair treatment after doing their part, paying their premium. Servicing a policy should also be hassle free and without delay. Some consumers ever prefer to pay a little more to get satisfactory service.

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1. Comparing

If you are switching to other insurance policy or buying new auto insurance, it is vital to do a small market based research. Finding out different companies will help you have wide options to choose from. Consider all types of insurance carriers small and big both and ask for their quotes. Make sure that you do not pay anything for the quotes which would unnecessarily add to the cost you incur. Once you have number of quotes from different companies, then you need to compare all the deals that you have as options and find the best suited deal.

2. Cut costs
There are lots of ways to save on auto insurance, but while a lot of people look for deals, one guaranteed method is to cut costs.

3.Look for discounts
For a lot of people, the key to cheap auto insurance is to maximize discounts. Insurers have been known to offer discounts based on the type of work you do, your driving record and whether you’re married. Insurers also offer discounts for those who pay their yearly premium in full, and there’s usually a discount for insuring more than one vehicle on the same policy.

Warnings:
# Make sure you understand the eligibility requirements for each company’s discounts.
# Make sure you understand your state’s laws regarding minimum car insurance requirements. The Resources section of this article will allow you to look up this information and more about your state’s regulations.

Car Insurance Shopping Tips: 1. Learn the Lingo, 2. Stay with a Leader, 3. Enhance Your Experience.

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A: Look, very few companies try to “find a way out of paying you”. All those stories you hear, are about people who tried to find a way to trick a lower rate out of the insurance company, and they got caught. It doesn’t HAPPEN that way.

Not all insurance companies write in all states. No one ranks them, by “good”, as it’s SO subjective. But you CAN check with your state insurance department website, to see which companies have the most COMPLAINTS. In general, State Farm writes the MOST auto insurance policies in the USA, and has the lowest PERCENTAGE of complaints. I also think that USAA does a bang up job, but you have to be active military or police, or retired military, or child of a retired military person, to qualify.

Q: What are your opinions about the different car insurance companies? Which one is the best?
I currantly have Geico for our auto insurance. They are cheap but i am seeing why. thier customer service SUCKS. i would really like some opinions on different car insurace companies. Thanks!!

A: The best insurance company depends on your situation. If you want a variety of providers in your area to compare.

i have farm bureau ,and have had it with them for over twenty years now,and i think there good,geico isn’t that good of a company,and your not the only one who has ever had problems from her service department either,other people are complaining also,my step son had it with them also,but if i was you id try calling some other company’s and just see how there rates are,anything would beat them from what i have heard about them,good luck,i hope this help,s.

Q: Should online car insurance companies be avoided?
A: No,there is convenience of being able to view your coverage, policy, order i.d. cards, file claims, and make changes to your policy 24 hours a day. The only downside I have seen is due to the actual consumer NOT paying attention to the e-mails that require one to review/sign and return the documents to finalize the binding of the policy.
Any online insurance carrier however, when in doubt of their stability or credibility, should check them out through the Department of Insurance prior to purchasing anything though.

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Question: I was in an auto accident and I have medical insurance. My medical insurance covered my medical expenses; however, I wanted to know if the auto insurance is still liable for those expenses? It seems as if my having medical insurance should benefit me and not the liable party’s auto insurance company. If I did not have medical insurance the auto insurance company would still have to pay for those expenses. So shouldn’t they still have to pay for those expenses and I get what ever is left that my medical insurance company did not pay? Are there any laws statures that back this up in Georgia? I am trying to settle this claim without getting an attorney and I need all the help I can get. Any advice would be helpful. I am in the process of writing a demand letter.

Answer:Your medical insurance provider will collect from the insurance company of the driver who caused your injuries. This process is called subrogation. It is standard practice throughout the US.

You are not entitled to dual benefit from your injuries. Go ahead and consult an attorney — he or she will almost certainly tell you the same thing.

If you have a pain and suffering claim, that would be paid by the insurance company of the at-fault driver, assuming that there is any room left on his liability coverage. If he had minimum liability that’s probably been exhausted already. An attorney can help with that part of your claim if need be.

Question: I currently have two cars, a Toyoya and a Galant. My auto insurance will be renewed starting Feburary 1st which is in in about 2 days. I really think I will sell both cars w/in the next few wks(Toyota has high mileage and the Galant uses alot of gas) for a more fuel efficient car like a Honda. Is it possible to change automobiles in the middle of a coverage period? I’m not sure how it works. This is my 1st time with my own insurance.

Answer: Yes you can do this. When you get the new car you just bring in the cars information and tell them you want to switch the insurance to the new car. it is easy and it should not cost anything if you are up to date on your payments. You may get the new paperwork and cards on the old cars, but the insurance company will just make a new one with your new car on it instead of the old one and mail you a new card and paperwork. The place you pay at if you have the office in your town will give you a temporary card until they make up the real one, and you can use the temporary card until you get the real one.

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The Three Essential Steps to Financial Health:
1. Get a budget.
2. Get out of debt.
3. Get started saving.

The Ten Critical Steps to Financial Health:
Step 1: pay down all consumer debt.
Step 2: establish an emergency reserve fund.
Step 3: Let Uncle Sam help you — utilize tax strategies to reduce your tax liability.
Step 4: purchase sufficient life insurance to replace income, pay off debt, cover education expenses and provide ample retirement funds for survivors.
Step 5: Check for adequate disability insurance coverage.
Step 6: Investigate the need for long term care insurance and purchase a policy that is both affordable and reflective of your individual circumstances.
Step 7: plan for retirement: determine how much you need to save in order to reach your retirement goals and establish a funding plan that will allow you to meet those goals.
Step 8: Update (establish) wills, powers of attorney and health care proxies and check for proper beneficiary designations on all accounts that require them.
Step 9: take advantage of the tax-advantaged savings plans for college funding.
Step 10: Invest according to your risk tolerance.

Eight Steps to Maintain Financial Health
1. Verify Federal Deposit Insurance Corporation (FDIC) & Public Deposit Protection Act (PDPA) coverage on deposits and custodian accounts.
2. Validate access to and liquidity of investments and assets.
3. Review short and long-term financial obligations (letters of credit, certificates of participation, bonds, etc.).
4. Review sales and property tax revenue forecasts (state-collected sales tax).
5. Validate expected intergovernmental transactions; both in-bound and out-bound (i.e. HUTF, Sales, Cigarette, Severance, Federal Mineral Lease, Forest Service, BLM PILT, etc.).
6. Review reserve requirements including TABOR’s 3% emergency reserve and other restricted reserves and loan or bond covenants(reminder: under TABOR’s definitions (2)(c) “Emergency” excludes economic conditions, revenue shortfalls, or district salary or fringe benefit increases).
7. Keep a close watch on the things that can quietly erode your financial stability – defined benefit pensions , retiree health care, and self-funded risk & insurance programs.
8. Develop a public communication plan that describes the local government’s current financial condition and strategic steps being taken.

There is no magical or practical way to avoid the feelings and fears of uncertainty at times like this. After all, a financial crisis is pounding away at our sense of security. But employers, working parents and co-workers can take steps to lessen the effect on some of the most vulnerable among us.

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A recent report from the American Society of Plastic Surgeons highlights a shift in the cosmetic procedures Americans are seeking out compared to a decade ago, with minimally invasive procedures gaining in popularity.

The trends are similar to those local plastic surgeons have experienced as people continue to seek out elective procedures despite the slumping economy.

The top five surgical procedures for men were liposuction, rhinoplasty (nose job), eyelid surgery, breast reduction and cosmetic ear surgery.

The study demonstrates that people of all ages and races want to look better, be it for themselves, a significant other or because they are seeking employment.

Plastic surgery and cosmetic surgery treatments require educated decision-making. You need to know who are the best candidates for each plastic surgery procedure, the recovery time, appropriate expectations and how to best select a plastic surgeon.

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Some simple precautions, as well as the ability to spot trouble when it starts, may help you keep someone else from cashing in on your identity.

When preparing your return

1. Be aware of suspicious emails and phone calls regarding your tax refund or tax filing – Check the IRS website for tips on how to spot scammers and thieves posing as the IRS and a list of known phishes.

2. Be diligent when choosing your tax preparers – Ensure that you are working with a credible firm and be extra cautious about new or seasonal offices. Check the IRS website for more tips on how to choose a tax preparer.

3. Secure your computer – If you file taxes electronically, be sure to install updated firewalls and anti-spyware protection to help keep your personal data out of the hands of thieves.

4. Create a unique login and password if you are using an online service to prepare or file your return.

During and after filing

1. Mail securely – If you file via mail, be sure to mail your return directly from the post office – do not leave your tax return in your unlocked mailbox or at the curb for pickup by your local mail carrier. Your personal information will be vulnerable until it is retrieved by the postal carrier. It is wise to send tax information by first class mail with a tracking number.

2. Safeguard sensitive information in home and outside – Frequently the greatest threat to personal information comes from service providers or in-home workers or acquaintances. Keep paperwork in a safe location. When carrying this information out of the house, be sure to keep it on you, or if you must leave it in the car, make sure it is not visible.

3. Micro-shred your documents – Cross-cut shredders just don’t “cut” it these days. Use a micro-cut shredder for maximum security. The shred size on micro-cut machines is much smaller – documents are literally turned into dust, offering the highest level of security. And since even a seven year- old receipt can be used by a thief, shredding is still one of the simplest ways to prevent identity theft.

ID Analytics suggested keeping tax documents in a secure area out of public view. Planning ahead for next spring can help consumers organize the forms they will need to file their taxes, as well as establish the peace-of-mind necessary to protect their identity.

Identity theft is among the nation’s fastest growing crimes, according to a recent report by Javelin Strategy & Research. More than 11 million Americans, or one in every 20 adults, were victimized last year, accounting for $54 billion in crime. The study also showed that consumers are taking action against fraudulent activity more quickly than in previous years.

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You can also apply at a dealership with a special finance department. They work with lenders that finance bad credit auto loans and you need to apply for them through a licensed dealer.

If you can’t get a co-signer or borrow money from family/friends, you may have only one choice — a buy-here-pay-here used car dealer who finances his own loans. They specialize in people with bad credit.

However……….you should know what you’re getting into if that if your choice. BHPH dealers sell cars that are overpriced, may require a high down payment, charge the highest interest rate allowed by your state usary laws, will put you on a strict weekly or biweekly payment plan, and will put a starter interrupter device on the car (and maybe a GPS locator). If you are late with one payment by one day, the car will not start. If you miss a payment, the car is immediately repossessed and put back on the sale lot. You may or may not still owe them money at that point.

If you go with a BHPH dealer, check them out with your local Better Business Bureau (they have a web site), know the real value of the car (www.kbb.com or www.nadaguides.com), and get a CarFax vehicle history report — and make ALL your payments on time.

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