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How Insurance Policies Protect You From Lawsuits

Posted on 08. May, 2014 by Hedrick Lepsch in Business

Car insurance rates keep going up and the hike in prices can really put the hurt on your wallet. Before you sign up for the first car insurance company that comes up on your google search, follow five easy steps to save some of your hard earned cash.

While those are all well and good, the type of prolonged stress experienced day in and day out during your college years has a myriad of negative side effects. Many of these include, and are definitely not limited to: insomnia, memory problems, impaired judgment, loss of appetite, aches and pains, frequent colds and other illnesses, nausea, and many more.

For example, let’s say you are looking for auto insurance in Reno, Nevada. Do a web search for “Auto Insurance Reno Nevada” and look through each of the providers’ websites and see which provider has the best rate for you. Although this may take a couple of hours, it will be worth it when your bill comes due each month.

That same guide also states that uninsured hospital trips or stays can cost thousands or even tens of thousands of dollars. Ouch. Not something you want to have to deal with in college. Tuition loans cause enough headaches without adding the worry of medical bills.

Never fear, there is a multitude of ways to handle the uncertainty of what to do about finding term life insurance when you’re a college student even if you are in Reno Nevada. The easiest option for college student health insurance is to simply remain on your parents’ insurance. Often times it’s cheap and easy, especially when you have already been on it for a good part of your life.

Other times, unfortunately, this is not always an option; you may move to a different state for school where your parents’ insurance cannot cover you, you may get married and a family plan may be required. Fortunately, most schools offer insurance and have clinics on-site to serve their students. If your university’s health plan seems too expensive for you, there are many options for individuals, which cost less than $60 a month- that is probably cheaper than your cell phone bill!

Some people have looked at this as an invasion of their privacy, but for those of us looking for a way to save some cash it is a short cut to savings. Most providers that offer these data trackers will give discounts to drivers who agree to have them in their vehicles.

Many factors play should play into your decision: your physical fitness levels, diet, how well you handle stress, your overall workload, whether you might be getting married or even starting a family soon. Be sure to do your research and ask your school, parents and other trusted teachers or leaders for help in finding coverage that will best fit you and your lifestyle. Even minimal health insurance is better than no health insurance, especially when such insurance could mean the difference between starting your adult life bankrupt or comfortably, financially stable.

If you are willing to drop a lot of cash right off the bat on your insurance, insurance providers will lower their rates. Paying for six months or even a year of insurance when you first sign-up can save you money in the long run. This is a great way to save some on your insurance if you can afford to pay for all of it up front.

Heuer Insurance is a local, independent insurance agency in Reno, Nevada. Our purpose is to provide residents with the best home insurance Reno, Nevada has to offer.

Hedrick Lepsch

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