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Can you find cheap insurance? Yes. You can not only spend less on all types of insurance, but you can get more of the coverages you need for less. Here are a few insider secrets to help you out.

Cheap Life Insurance

- Purchase multiple policies. Instead, for the purchase of a large policy, save money by buying two or even three, and the staggering of terms. Have to run until the kids leave the house, for example, and the other until your pension fund kick in.

- Investigation of the companies. Visit www.naic.org / CIS, the National Association of Insurance Commissioners website. It has links to check out companies, including its financial situation and the complaints filed against them.

- Find out about discounts. Some states allow agents to rebate a portion of their commission to you. Check online or by phone. You do not need the government to buy insurance there.

Cheap Car Insurance

Get several bids, of course. You probably know that after so high a deductible as you can afford will also reduce the rate. Here are some tips to save money you can not know.

- Get the legal minimum for liability coverage if you have few or no assets. Many companies try, their "firm recommended minimum" on liability, and they too, as the statutory minimum sentence. Get the legal minimum. If you have no assets, you're not a target for an action.

- Once a year, your policy. Do you have a review and new offerings every year or so. If your ticket is past the mark of three years (or whatever the company thinks is important) they will reduce the rate, but not automatically, so ask.

- Take your children on your policy. If your children are in one of the more than 100 miles away, you can use the insurance and save a lot of money. They can not abandon the car when they come home to visit.

More Cheap Insurance Secrets

- Health insurance tip: Find a group. If you do not have health insurance through your employer to join a group that allows you to create a better policy to be assessed. A fraternal organization, or the Chamber of Commerce sometimes voted for Group Policy.

- Homeowner Insurance Tip: Think about higher deductibles. Insurance is for disasters that are not small things. Plan to pay the first $ 1000 someday when something happens. In the meantime, you can save money each year on your policy.

- Credit life insurance tip: Just say no. This policy pays the remaining amount of your car, home or other loans when you die. If you think you need it, regular life insurance for the same amount is much cheaper.

Regardless of the type of insurance that you buy, make sure there are several offers. Questions to all parts of the policy, and do not pay for things you do not need. Find out about special discounts for you. Ask many questions and really understanding the policy is the key to cheap insurance.

Steve Gillman has hunting down obscure knowledge and useful secrets years. Learn more and get a free gift at: The Secret Information Site (http://www.TheSecretInformationSite.com)