Health Insurance

• Your best bet for the least expensive health insurance is to take advantage of any offered by your employer. Employers, especially those with a large number of employees, receive discounts from insurance companies for providing many customers. Married couples where both spouses are employed should sit down and look at the respective policies offered from each employer. Give careful consideration to the details and decide if having two policies is a better option than using one to cover both partners.
  
  

Auto Insurance

• Auto insurance is mandated by many states. Insurance companies view their customers by the amount of risk the customers present. Not all companies use the same calculations or offer the same rates. For this reason, shop around when buying an automobile insurance policy. Many companies offer the ability to enter your information online and compare quotes to their competitors.
  
  

Homeowners Insurance

• Understanding your home's value will help you make the best decision with regard to which insurance policy to select. If you own rental properties, then you need a specific type of homeowners insurance. A "dwelling fire" policy covers the property from damage but not necessarily the furnishings inside. The reason is that most rental units often do not come with such furniture as couches or kitchen sets. These pieces of furniture are provided by the tenants and should be covered by a renter's insurance policy.
  
  

Life Insurance

• Life insurance is useful in financially setting up dependents for life without you and providing the funds necessary for your burial and funeral expenses. Pick a time in your life when you are healthy to buy life insurance. Doing so will lead to lower costs and a greater chance of acceptance. Purchasing life insurance when you are healthy also enables you to receive a larger policy.