I currently own a very reliable 1995 Nissan outright (no loan), and just got a my semi-annual bill from State Farm for $450. My insurance is pretty reasonable, now that I am over 25 and married, my last accident was over 8 years ago, and my car ain’t worth much. The question is, should change my deductibles, or even drop collision and/or comprehensive comepletely? I stopped by my local agent to ask. That’s one thing I like about State Farm – whenever I want, I can drop by and bug them with questions. That, and I got my parents’ 20-year history with them extended to me. Sweet. These and other reasons are why I am not shopping around for other insurance companies. I did that a year ago, and State Farm beat them out by hundreds of dollars, despite what that talking reptile on tv says.
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As the new year begins, sign-ups for gym memberships skyrocket as people make their (often fleeting) resolutions by signing long contracts that can cause major headaches. However, I have another reason to get in shape this year: Life Insurance. Although I don’t have any kids yet, I am recently married, and I would like to get insurance while I am young and healthy. While browsing for term life insurance rates at sites like Insure.com and Insweb.com, I found that they were very interesting in my smoking and driving records, as well as blood pressure, cholesterol level, and any other health conditions. If something were to happen now, like getting cancer or diabetes, I could be uninsurable forever…
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