Articles by Elizabeth Newberry on ArticleSnatch.com

Find New Cheap Car Insurance

Wed, 30 May 2007 00:00:00 -0400

If you have saved enough money to purchase a new car, or have already spent your savings on the new car of your dreams congratulations! There is no thrill like cruising around town in your brand new car you worked so hard for. But before you start cruising, you have to think about getting insurance for your new car ideally, cheap insurance for your new car. How can you get cheap insurance for your new car if you have never had a car insurance policy? Consider these three tips: Check out the safety of your new car. Before you purchase your new car, check out the safety features. If you have already purchased your new car and it does not include certain safety features, add them. Cars with safety features are seen as less risky to insure than cars without safety features; therefore, insurance companies give cheaper car insurance quotes to drivers who own safe cars. Ask about spinning offÂ of another car insurance policy.** End Summary**

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How To Find Affordable Car Insurance In Oregon

Wed, 30 May 2007 00:00:00 -0400

Nobody like to pay more for car insurance than they have to, and this is especially true in Oregon, which has some of the highest automobile insurance rates in the country. There's really no trick to finding affordable car insurance in Oregon. It's simply a matter of shopping around and comparing as many different companies as possible. Thanks to the internet and a variety of free quote services, getting comparisons is not as difficult as it used to be but it is still tedious and time-consuming. To save time it is advisable that you have all of the necessary information in front of you before you log onto a car insurance quote site. Having everything at your fingertips will save you a lot of time and headaches. First, have your driver's license in front of you. You will need to supply all the standardÂ information: name, address, birth date, gender, and martial status. They will also ask for your driving record for the past 5 years. This will include a list of accidents, claims against your present insurance company, and any tickets you have received. Be truthful they will double-check your answers.** End Summary**

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How To Find Affordable Automobile Insurance In Oregon

Wed, 30 May 2007 00:00:00 -0400

Automobile insurance is expensive and as the price of new cars continues to skyrocket, the price of auto insurance is not likely to come down anytime in the near future. If anything, look for auto insurance rates to continue their upward spiral. So what can you, as a good Oregon driver do to keep your automobile insurance rates affordable? Actually there are quite a few things. If you are under 25 your rates will be among the highest in the state however, if you are in school and maintaining good grades, many insurance companies will give you a Good Student Discount. If you own a home and have homeowner's insurance or you have a life insurance policy check with your insurance company to see if you qualify for a multi-policy discount. If your car has an anti-theft device, or if you add one to your car you may be entitled to a discount on your insurance. Likewise, if you pass an advanced driving safety course you may qualify for still further discounts.** End Summary**

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How To Compare Low Cost Long Term Care Insurance In Oregon

Tue, 29 May 2007 00:00:00 -0400

Long term care insurance is probably the last type of insurance any of us want to think about, yet according to statistics from the state of Oregon's Department of Insurance, just about half of all Oregon citizens will require some form of long term health care at some point in their life. Long term care refers to any type of on-going assistance required for the normal chores of daily living, such as dressing, bathing, toilet functions, preparing and eating meals, walking, and other assorted functions. Don't fall into the trap of believing that Medicare or Medicaid will take care of all of your long term heath care requirements after you hit the magical 65, because the truth of the matter is, Medicare pays for almost no long term health care whatsoever, and Oregon's Medicaid program pays for only a limited amount and will offer you no choice about the facility where you will possibly need to spend the last years of your life.** End Summary**

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How To Compare Low Cost Life Insurance In Oregon

Tue, 29 May 2007 00:00:00 -0400

Many people find the very thought of life insurance a disquieting subject, but the truth is that we will all die one day and if we have loved ones it is only right that we leave them with some financial security when we are gone, or that we at least provide enough that none of our bills or other financial obligations will fall to our heirs. One of the most common ways of doing this is by purchasing life insurance. The purchaser of a life insurance policy has basically two choices: to purchase a whole life policy or to purchase a term life policy. A term life policy has a specified time limit say ten years. At the end of that time, at the end of ten years, the policy lapses and becomes worthless. If the policyholder wishes to continue being covered by term life insurance then he or she must purchase a new policy, with a premium price which reflects the ten years that the policy holder has aged since the start of his or her first policy. A whole life policy, on the other hand, has no expiration except the death of the policy holder.** End Summary**

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How To Compare Low Cost Automobile Insurance In Colorado

Tue, 29 May 2007 00:00:00 -0400

Colorado has some of the highest auto insurance rates in the nation so it is vital for most Colorado drivers to comparison shop for the lowest cost auto insurance they can find. Unfortunately no one low cost automobile insurance policy is right for all Colorado drivers; however, there are a few things to look for when comparing rates. Your age is a factor in determining your auto insurance rates. Obviously there's nothing you can do to alter your age, but if you are a young driver and still in school getting good grades translates into lower insurance premiums from several companies. And obviously keeping a good, clean driving record also helps keep your rates down. Tickets, especially for speeding or other moving violations count against you and can significantly increase your rates. Making frequent claims will also impact your rates in a negative manner. If you are an older driver your rates may also be increased simply due to the fact that older drivers as a group are considered a greater insurance risk than middle-aged drivers. Taking an approved refresher driver's training course can help bring those rates back down.** End Summary**

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How To Find Affordable Life Insurance In Oregon

Tue, 29 May 2007 00:00:00 -0400

In order to find affordable life insurance in Oregon you need to know what kind of life insurance you need and then compare policies and prices in order to find your best deal. There are basically two different kinds of life insurance policies to choose from in Oregon: Term Life and Whole Life (there are also Universal Life and Variable Universal Life, but these are basically variations on Whole Life Insurance). Term life insurance will undoubtedly provide you with the lowest initial premium payment. Term life insurance is a no-frills form of insurance that is easy to understand. The primary feature of term life insurance is that your policy will only stay in force for a specific number of years. If you should die during the time that the policy is in force (that is, during the term of the policy) then the company will pay the agreed-upon death benefit to the beneficiary you designated. This is the simplest and most straight-forward insurance policy you can purchase, and at least initially this is the most affordable insurance. For some people there are one or two drawbacks to a term policy.** End Summary**

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How To Find Affordable Homeowner's Insurance In Oregon

Tue, 29 May 2007 00:00:00 -0400

The cost of homeowner's insurance in Oregon is on the rise. There are many reasons for this increases in the cost of home and content replacement, an increase in burglaries, plus several other factors. Some of the factors which influence the cost of homeowner's insurance are beyond your control others, however, are not, and the more you can do to make your home safe and secure and lower your cost of homeowner's insurance should be. Start by making sure that you have the proper number of smoke and fire detectors in your home. Not only are smoke and fire detectors required by law, having the proper number of them in your home can decrease the cost of your homeowner's insurance. Along the same lines, something as simple as having a working fire extinguisher in your home can also reduce your homeowner's insurance premium each month. Not smoking can also reduce your homeowner's insurance cost. Keep bushes trimmed away from doors and windows. This makes your home less attractive for burglars and that can also keep your premiums down. Motion-sensitive lights can also reduce your insurance costs.** End Summary**

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How To Compare Low Cost Homeowner's Insurance In Oregon

Tue, 29 May 2007 00:00:00 -0400

While the state of Oregon does not require any homeowner to carry homeowner's insurance, the vast majority of homeowner's either elect to carry the insurance or are required to carry such insurance by the financial institution which holds their first mortgage. One reason so many homeowners have homeowner's insurance is simply because it makes so much economic sense. After all for most people their home is their biggest investment and it just makes good, sound financial sense to protect their investment with insurance. The cost of homeowner's insurance can vary widely from company to company, so the only real way to compare low cost homeowner's insurance in Oregon is to get online and make head-to-head comparisons on one of the many websites designed specifically for that purpose. But before you begin comparing prices there are a few things you need to do. First, determine the true replacement cost of your home. Do not underestimate. If anything should happen to your home you want to be certain you have the money necessary to rebuild it. If you are not capable of determining the replacement cost of your house, find a professional who is.** End Summary**

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How To Compare Low Cost Health Insurance In Oregon

Tue, 29 May 2007 00:00:00 -0400

Oregon has an excellent health care system; in fact, one of the best in the nation according to U.S. government figures, but regardless of how good the system is at saving and prolonging life, the fact is that Oregon's heath care, like health care everywhere in this nation, is expensive. In fact, according to figures released by the Oregon Department of Insurance, almost half of all citizens of Oregon find health care costs a financial burden and fully one quarter of all adults in Oregon report spending up to twenty-five percent of their monthly income on health care. Clearly for the majority of people something has to be done to bring down the cost of staying well. The most formidable weapon at the consumer's disposal is knowledge. Become knowledgeable about health care and your health care choices. Go online and compare policies and prices the difference in cost for the same basic policy from one company to another can be truly staggering. Before going online sit down and figure out what you and your family need out of a health care plan. What is important to you and what isn't? Are doctor's visits more important than hospital stays?** End Summary**

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How To Compare Low Cost Health Insurance In Colorado

Mon, 28 May 2007 00:00:00 -0400

Comparison is the key to making almost any buying decision, and that is certainly true when it comes to choosing your Colorado health insurance plan. According to recent surveys fully 42% of all Colorado families are worried about paying for any health care at all. But don't be fooled into comparing only cost when it comes to insuring your family's health care, cost is only one factor to consider. Depending on your family's health care history and your expectations of health care needs for the coming year, you should also compare the annual maximum each health care provider is willing to pay, what each family member's co-pay will be for routine doctor visits, your co-pay for prescriptions, your out-of-pocket expenses for hospital stays, your coverage for emergency room visits, which doctors you are allowed to see and, finally, each plan needs to be compared based on the plan's deductible. (The deductible is the amount you pay out of your own pocket each year before your health insurance begins paying off. The larger your deductible, the less you pay in monthly premiums.) When all of those factors are taken into consideration, then you'll need to compare monthly premiums.** End Summary**

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How To Compare Low Cost Car Insurance In Oregon

Sun, 27 May 2007 00:00:00 -0400

Everyone wants to save money on their car insurance, Oregon drivers possibly more than most other drivers. The reason for that is that Oregon drivers pay some of the highest car insurance rates in the country. If your car is being financed by a bank or other financial institution you may have only limited choices when it comes to comparing low cost auto insurance, but by comparing the rates offered by a variety of companies you can still save money the rates offered for the same policy by different companies can vary by several hundred dollars a year, so taking the time to make the comparison can really pay off. Start by writing down how much of a deductible you can afford to pay in case you have a claim, and what coverage amounts you will need based on the age of your car, and the area where you live. If you live and drive in an area with a lot of new and very high-priced cars you may wish to take out higher Collision limits than you would if you normally drive in an area where most people drive older models.** End Summary**

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How To Compare Low Cost Long Tern Care Insurance In Colorado

Sun, 27 May 2007 00:00:00 -0400

Health care costs in Colorado are among the highest in the nation, and while there is talk of legislation to help ease the burden on Colorado citizens it is still up to each of us to compare health options and shop wisely. This is just as true when looking for low cost long term care insurance as it is for any other type of health care insurance. Long term care insurance is designed to provide constant living assistance to patients with long-term or permanent disabilities or disease (such as Alzheimer's). While many people think only of older patients in regards to long term care, a growing number of younger people are requiring round-the-clock care due to disease and accident. Round-the-clock personalized care is obviously expensive, and well beyond the means of the average person without the assistance of an insurance plan specifically designed to cover such a contingency. When comparing low cost long term health care plans in Colorado there are many options which can greatly affect the cost of the plan you choose. The age of the person being insured is one of the biggest factors.** End Summary**

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How To Compare Low Cost Homeowner's Insurance In Colorado

Sun, 27 May 2007 00:00:00 -0400

According to recent census records there are more than 110,000 homeowners in the state of Colorado so it would seem that purchasing homeowner's insurance here would be a relatively simple matter and in many ways it is. But before you plunk down your hard-earned cash for premiums on a homeowner's insurance policy it might pay you to compare policies and prices among several different companies offering coverage in Colorado. Probably the quickest way to make comparisons among different policies is through any of several online insurance sites, but don't expect your search to be an easy one. What makes comparing low cost homeowner's policies in Colorado somewhat confusing is the number of different things that can affect the price you pay. For example, when comparing costs between companies you must make certain that you are comparing policies covering all of the same things. Some of the things that have to be considered are the cost of replacing your dwelling, the cost of replacing your home's contents, how much personal liability you want to carry in case someone is hurt on your property, how much medical coverage you want, and the deductible you are willing to pay.** End Summary**

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How To Find The Best Rates On Automobile Insurance In Connecticut

Sun, 27 May 2007 00:00:00 -0400

To find the best rate for automobile insurance in Connecticut you should become familiar with the coverages to know how much of each you need and what you might be able to add or remove to save your premiums Liability: This mandatory portion of the policy covers your liability to others. In other words, it responds to cover the bodily or property damage to others as a result of your negligence or the negligence of someone driving your car (with your permission). The state requires a minimum limit of $20,000 bodily injury per person and $40,000 bodily injury per accident. Therefore if 3 people were injured in the accident each sustaining $20,000 in bodily injury, the policy will only pay $40,000 for that one accident. The limit for property damage under this coverage is $10,000. These numbers may sound like a lot, but it is strongly recommended to increase this limit. Let's face it, medical care costs are skyrocketing. The $20,000 per person limit can be reached easier today than it could have 20 years ago. Protect yourself by asking for quotes for additional limits.** End Summary**

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How To Find The Best Rates On Long Term Care Insurance In Arizona

Sun, 27 May 2007 00:00:00 -0400

The type of care your loved one needs will help to determine the type of facility you want. Placing someone in a nursing home who is in charge of their faculties and they are able to communicate their wishes and needs to the staff, is different than admitting a patient that for one reason or another is unable to make their needs known. If your loved one is more vulnerable and unable to communicate, they may be unable to report neglect or abuse. This by no means suggesting that inappropriate behavior is the norm, but you want to be assured that your family member is well taken care of and safe. Little telltale signs of abuse include and are not limited to unexplained bruises, welts, and sores. Patients with bedsores or are dirty, have an odor, improper clothing for the weather, lice, dehydration, weight loss are signs of neglect. Signs of emotional abuse are derogatory remarks, verbal harassment and threats. Here are a few things Arizona residents should look for when evaluating a facility: 1.Resident's hygiene: As you walk through the facility, how do the patients look?** End Summary**

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How To Compare Low Cost Long Term Care Insurance In Arizona

Thu, 24 May 2007 00:00:00 -0400

When comparing low cost long-term health insurance, Arizona residents must compare facilities on an apple-to-apple basis. To compare an Assisted living facility to a nursing home, will do nothing but frustrate you and may be the cause of making an uninformed decision. Below we'll discuss the differences of a few of the long-term care facilities. This is by no means an exhaustive list. Do your research to find out all of the different types of long term care facilities to help you to make an informed decision: 1. Adult Day Care: This type of care provides health-monitoring services such as checking blood pressure, ensuring the patient is getting adequate amounts of food/liquid. They also ensure brain stimulation by engaging the patient in social activities and physical activities. If necessary they will help with personal hygiene performing tasks such as helping with bathing, shampooing, shaving and toileting. 2. Assisted Living: Assisted living facilities provide help for people that require assistance with their daily living activities, but do not require 24 hour 7 day a week help. In essence assisted living is the step in between living at home and moving into a nursing home full time.** End Summary**

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How To Find Affordable Long Term Care Insurance In Arizona

Thu, 24 May 2007 00:00:00 -0400

The state of Arizona provides long term care through a program called Arizona Long Term Care System (ALTCS). This program provides coverage for senior citizens aged 65 and over and/or individuals who are disabled and require ongoing care in facilities like nursing home or other long term care institutions. In addition to meeting the age and disability requirement, there are other factors to determine whether or not a person is eligible for this program. Some of the additional requirements are as follows: 1.Monthly Income: The monthly income may not exceed $1,869 per month. There are acceptations however for those who have been approved by AHCCCS (Arizona Health Care Cost Containment System Arizona's Medicare program) AHCCS applicants may have an income exceeding the monthly income amount. 2.Financial Resources: Available resources valuing less than $2,000 for an individual. Available assets may be bank accounts, cash, stocks, bonds etc. If the applicant is married, the applicant's spouse is able to keep one half of the available assets up to a maximum of $101,640. Tangible assets such as a home and/or vehicle are not included and will not be considered as part of the resource limit. 3.** End Summary**

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What To Look For In An Instant Life Insurance Quote

Thu, 24 May 2007 00:00:00 -0400

What to look for in an instant life insurance quote can be summed up in one word: thoroughness. Most folks search for instant life insurance quotes online (after all, what's quicker than the Internet?), which means you're not likely to talk with a live insurance agent until the quote process is complete. So, you want the most accurate quote possible and an accurate instant life insurance quote is only possible with tons of information from you. The obvious information you'll be asked for when searching for an instant life insurance quote is personal information such as your age, gender, weight, height, tobacco use, and your state of residence (the database needs to find life insurance policies available to people in your state). Your instant life insurance quote will also be based on the amount of coverage you want, how long you want the coverage, and how often you intend to pay your life insurance premiums (i.e. monthly, quarterly, semi-annually, or annually). Too, your quote will be affected by your rating class (i.e. Standard, Standard Plus, Preferred, or Preferred Plus). Your rating class is determined by your risk factor. Don't worry if you don't know your rating class;** End Summary**

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What To Know Before Getting A Whole Life Insurance Quote Online

Thu, 24 May 2007 00:00:00 -0400

Getting a whole life insurance quote online is much easier than searching for a number of life insurance companies and their individual whole life insurance policies on your own, right? Right. However, there are a few things you should consider before heading to your favorite search engine and start searching for a whole life insurance quote online. Choose a website wisely. There are many websites out there dedicated to helping you find and compare life insurance. You want to choose a website with access to many life insurance companies that provide whole life insurance policies. You may even want to search more than one. This helps broaden your results and choose the best whole life insurance quote for you. Have your history ready. When you get a whole life insurance quote online, you're going to be asked for a lot of information. You'll be able to provide most of it easily (your gender, age, age, weight, height, etc.) but some of it, such as specifics about your health history and your family's health history, may require a bit of digging around first. There are various kinds of whole life insurance policies.** End Summary**

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What Is Level Term Life Insurance?

Wed, 23 May 2007 00:00:00 -0400

Level term life insurance, the most common form of term life insurance, is a life insurance policy that gets straight to the point. It's similar to regular term life insurance in that it provides pure life insurance coverage when you need it with none of the frills of whole life insurance, such as forced savings components. Level term life insurance has a guaranteed level premium, and you aren't required to annually renew the policy. The insurance premium stays the same for a set period of time the length of time for which the policy is in effect (usually 10, 15, 20, or 30 years). The longer the policy is in effect, the higher the annual premium will be. For example, if you purchase a level term life insurance policy for 10 years, you'll pay lower premiums than you'd pay if you purchase level term life insurance for 30 years. The reason for this is you'll get much older during the course of a 30-year policy than you'll get during the course of a 10-year policy, and life insurance companies view older individuals as more risky to insure.** End Summary**

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Some Tips On Selecting A Universal Life Insurance Policy

Wed, 23 May 2007 00:00:00 -0400

Universal life insurance is a much more flexible form of whole life insurance. If whole life insurance appeals to you, but you aren't quite comfortable with certain aspects of it, universal life insurance may be ideal for you. Take these tips into consideration when selecting a universal life insurance policy. Determine your life insurance needs. Universal life insurance isn't the best form of life insurance for everyone. Some insurance experts recommend that only people who feel they'll need coverage until late in life (70s-80s) will fully benefit from universal life insurance. Study up on the policy's benefits (such as the tax-deferred interest savings component) before determining if a universal life insurance policy is right for you. Research the insurance company. Always do a bit of background work on an insurance company with which you're considering doing business. First, contact your state's department of insurance to make sure the company is licensed to sell universal life insurance in your state. Next, check out the financial rating of the company (you can do this by searching independent research company databases). Finally, visit the Better Business Bureau's website to examine complaints filed against the company and the manners in which they were handled.** End Summary**

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Some Tips On Getting Term Life Insurance Online

Wed, 23 May 2007 00:00:00 -0400

If you're considering getting term life insurance online, you're not alone. There are websites upon websites available to help you search for, compare, and get quotes for term life insurance policies, and those websites are here for a reason to help the millions of people just like you who are interested in getting term life insurance online! Before you dive too deeply into the process of finding your term life insurance policy online, take these tips into consideration. Find a website with a large database. You want to search for term life insurance online using a website that has access to many life insurance companies and their term life insurance policies. This widens your options, making it easier for you to find the policy that's right for you. Decide how long you want life insurance coverage. Term life insurance policies can last for as few as five years and as many as 30 years. When you search for term life insurance online, you'll be asked how long you want life insurance coverage. Take a look at your budget. Figure out how much you can afford to pay in premiums.** End Summary**

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How To Find Affordable Life Insurance In Colorado

Wed, 23 May 2007 00:00:00 -0400

No one likes to think about life insurance and certainly no one likes to pay the monthly premiums but for most adults in Colorado, life insurance is a responsible necessity. Finding the policy that's both right for you and your family and that's affordable is the real trick. To start with you need to understand the difference between whole life insurance and term life insurance. Whole life insurance lasts as long as you pay your monthly premiums, no matter how long you live, and the premium rate in effect at the time you sign up for the policy is the premium you pay until your death. Term life insurance is good for a specified number of years and then you must buy a new policy at a higher age-based premium. The premium on whole life insurance is almost always higher than the premium you will pay for a term life policy. The advantage to the whole life insurance is that the premium will not increase as you get older, while term premiums increase at the end of each policy term.** End Summary**

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How To Select Affordable Term Life Insurance

Wed, 23 May 2007 00:00:00 -0400

Affordable term life insurance is ideal for most individuals. While it's true that whole life insurance covers you for your entire life and provides a savings component, most Americans aren't looking for those benefits. With term life insurance, there are no extra costs for benefits you don't want or need, i.e. savings components, and with no extra costs you pay less. Term life insurance is cheaper and gets to the point. It provides financial benefits to your beneficiaries in the event of you death. Period. However, there are certain factors you should look out for when selecting affordable term life insurance. Those factors are as follows: Buy early. The earlier you select an affordable term life insurance policy, the more affordable it the policy will be. Life insurance companies are more apt to offer affordable insurance premiums to younger people because they are less risky to insure. Make sure the term life insurance policy offer guaranteed renewals. When it's time to renew your affordable term life insurance policy, you can actually be denied or forced to pay higher premiums than before.** End Summary**

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