Well, it is almost 9 AM and time to go to my job.  I have been a cheap auto insurance salesperson for a number of years now and I know it inside out.  I love the fact that I have the opportunity to help people get the best cheap car insurance rate possible and let them save some money too.

But I’ll be the first to admit that it wasn’t easy.  In fact, I think one of the hardest things that I had to do was go back to school.  Sure, the course to sell insurance wasn’t long, but it had been a long time since I had to study or crack open a textbook.  But, I was able to pass the test with flying colors, and therefore I am selling insurance to this day.

Today should be a little more interesting than most as I have an appointment with a client that is looking for classic car insurance - something that I haven’t sold in a long time.

Living in Saskatchewan, I had never needed an auto insurance quote before. It is all government run there and you pay whatever they tell you to pay. When we moved out of province, I was a little lost when I found out that I had to shop around with different companies.

Things were so much simpler in Saskatchewan, albeit more expensive. It was actually fun to find out what different companies charged for car insurance. I did, however, learn that if I got into an accident, it would cost me a lot more here than it would have before.

I guess as long as I drive safe and keep my record clean, then car insurance Ontario will be way cheaper in the long run. I am a pretty good driver, even more so since becoming a mom, but I still have to worry about all the crazy people that I am sharing the road with.

About a year ago I switched out cars. I bought a newer one (still about 7 years old though) and the difference in price was pretty noticeable. However, even though I didn’t owe anything on it and owned it outright, I opted to keep full coverage auto insurance on it.

There are several benefits to full coverage car insurance, one being the rental car option in case you are suddenly left without a vehicle.

Another benefit to full coverage insurance is that you are covered in more situations. Basic or liability car insurance pretty much just covers someone else if you hit them or cause an accident while driving your car. Full coverage will help if you are hit by a tree or hail or something out of your control but not caused by another insured person.

With the ease of on line systems today, getting auto insurance quotes isn’t hard, but do your homework so you’ll get the best deal that you can.

I am a Canadian citizen that will be spending the next few months of my life attending a college in the States.  This brought about a lot of changes in a lot of things including my health coverage.  Being a resident of Saskatchewan, I have never known anything except for free coverage.

I knew, that my free health care coverage would be no good while I was attending night classes at college.  For this reason, my parents urged me to look into getting short term insurance.  They wanted to make sure that I would be able to seek medical attention should anything unselect. 

I am not an overly cautious person but agreed that my health coverage was my responsibility and I needed to do something to take care of it.  I sent away for forms as I wanted to fill them out and have the coverage available as soon as I traveled down to my college.

After going to talk to my insurance broker the other day, I was left with nothing but a home insurance quote and confusion.  I would have thought that the situation would have been cut and dry, but it didn’t turn out that way.

You see, the reason that I had gone there was to get a condo insurance quote, since I live in a condo.  That seemed pretty straight forward to me, but that is when I started to get confusing.

The insurance broker started to give me a renters insurance quote - and I had to stop him.  I asked him if he understood that I owned my own home, and did not rent, so renters insurance was not for me.  It took him about five minutes for him to get that through his head, and then we finally moved on.

By this point, I was getting a little frustrated, and he started to fill out some other papers.  When he was done, he handed me a quote for home insurance, not for condo insurance.  Instead of trying to talk to him again (at this point I was mad), I just walked away.

Now, I need to find someone else to talk to about condo insurance - obviously this guy just wasn’t listening to my needs.

Looking over my bank statement today, I noticed that I had a withdrawal for my personal accident insurance.  Now, it has been years since I took out the policy, and strangely no one has contacted me about my coverage.

I thought that I would dig around in my files to see what I did have for coverage as well as what other insurance I was carrying.  Since I am not too organized, it took awhile for me to find what I was looking for, but I did eventually find the documentation of my insurance plan.

I guess I have an individual medical insurance plan that also has individual vision insurance.  I guess I should have read that feature as I could use some new glasses.  But thankfully, I know that now - all I have to do is make a point of making an appointment.

Learn from my mistake: know the details of your medical insurance.

I was looking online for some insurance reviews the other day. My insurance is coming up for renewal and I am looking to find the best offers available to me, as I am accident free and a very safe driver.

I found a lot of different store reviews that sell insurance and was looking into the ones that are in my town. I would prefer to deal with a real person, rather than buying insurance online, but again, would go with whatever was the best deal for me.

While browsing, I found an advertisement for an online business academy that offered classes on selling insurance. This was amusing to me, as I thought most people hated insurance salesmen and was wondering why anyone would pay to become one.

In the end, I found a great deal on insurance and was impressed to find out that the office was located in my town. I went down and obtained all the paperwork I needed, paid for five years, and now I am good to go.

Every so often, it is a good idea to go over the Medicare guidelines. Things in the system do change quite often and we are not always made aware of the changes that have been made. I try to go over the new changes every couple of months or so. There are many reasons for doing this and one major one is that it can save you a lot of money.

My son was diagnosed with diabetes when he was three years old and we always paid for his diabetic supplies. We found out that there were free diabetic supplies available to him four years later, and we had been paying for them the whole time. This is why I now go over all of the changes in the guidelines.

We also realized that we were eligible for Medicare supplement, which would help us with the supplies that were not covered, so would save us even more in the long run. I am so glad that I have started doing this, as I have found many loopholes and saved myself and my family a lot of debt.

Just like many other types of insurance, not all policies are created equal.  Dental insurance companies have different packages tailored to your needs and budget.  If you have a trouble free dental history you may not need the same dental insurance that someone with bad teeth may need.

Don’t be as concerned with the price as you are with the specific services offered.  It makes no sense to purchase dental insurance that doesn’t cover braces if you happen to have some.  On the same token, if you have an expensive policy and you are not using all the benefits, don’t be afraid to downgrade - why pay for something you are not using.

If you are looking for affordable dental insurance, you will have the most success online.  You can compare your options side by side and make your selection from there.  This way, you can make an educated choice, instead of buying the first thing in front of you.

When you are young, unless you have bad genetics or bad habits, chances are that you are healthy.  At this point in your life, you take your health for granted, and don’t really consider that your good health may change some day.

The reality of it all is as we age, our health can deteriorate.  For some of us, it may be simple things, for others, they might need some form of long term care.  In fact, on a blog about long term care they state that the statistics show that after you reach the age of 65, you have a 70% chance of needing some form of long term care in your life.

Now, I have to ask: do you know how much long term care costs?

I really had no idea - until I looked.  From what I have read, you can expect to pay between thirty and eighty thousand dollars a year - and that is in today’s dollars.  The price is only going to go up.  For most people, long term care devastates the nest egg they saved up for retirement, and many pass this financial burden onto their children.

Just like you have an insurance policy on you life (you do have one, right?), you should have one betting against your health.  A long term care insurance policy is just that - in the even you need some long term care, your insurance policy would pay for it, leaving your savings and your family free from the bill.  Catch is you need to buy the policy before you need to use it - so be sure to look into this right away.