Cheap Insurance for Your Home, Automobile, Health, and Life: How to Save Thousands While Getting Good Coverage Book

Introduction     7
Why do You Need Insurance?     13
Methods for Obtaining Cheap Insurance     35
How to Choose an Insurance Agent     43
Home Insurance     51
Home Insurance Discounts & Savings     59
Obtaining a Home Insurance Quote     65
Additional Coverages Available on Your Home Insurance Policy     69
Home Insurance & Excluded Natural Disasters     73
Home Insurance & Home Businesses     77
What to do When You Have Difficulty Obtaining Home Insurance     79
Automobile Insurance     81
State Automobile Insurance Requirements     99
Basic Automobile Insurance Policies     129
How to Shop for Cheap Auto Insurance     135
The Automobile Insurance Point System     139
Using Discounts to Save Money on Automobile Insurance     143
Being Aware of Surcharges     149
Automobile Insurance Fees     153
Automobile Insurance for High-Risk Drivers     159
What to do If You Cannot Obtain Automobile Insurance     165
Health Insurance     169
Types of Health Insurance Policies     173
Medicare & Medicaid Coverage     179
Managed CarePlans     187
Selecting an Employer-Sponsored Health Insurance Plan     195
Cobra - Keeping Your Health Insurance if You Lose Your Job     203
Health Insurance Benefits for the Self-Employed     207
Life Insurance     215
Types of Life Insurance Policies     219
Ways to Save Money on Life Insurance     233
Conclusion     239
Links to Your State Insurance Department Web Site     241
Glossary     247
Other Resources     275
Case Studies     277
Bibliography     285
Author Biography     286
Index     287