Allstate claims you’re in good hands with them, but those hands they’re talking about have a ring on every finger. Insurance companies are filthy rich. How do you think they can afford to advertise as much as they do?
Every year we pay huge sums of money toward our insurance. A lot of times I feel like it’s just being wasted. It may be years before we have a car accident or health problem. At least it’s relieving to know that your insurance will cover whatever issue you have. Even then, when you expect them to help you in your time of need, they managed to short change you. Insurance companies will claim they don’t cover anything from tooth fillings to medical tests. Don’t just sit there and let them “steal” your money. If you take the time to make small changes to your policies and review every bill you receive you can be on your way to saving hundreds on your insurance, just like Geico says.
Take a good look at what you’re paying for. Car insurance policies, for example, can have many different options that you can fiddle with. Change your options around and see the effect that they have on the price of your policy. Don’t forget that the whole point of having insurance is so you’re covered when you DO have problems. With that in mind, try to decrease your monthly payments as best you can, because you shouldn’t be paying much when you haven’t been in an accident. Don’t waste your money by having low co-payments or an insanely high limit on your liabilities. These can add up costing you money for very little returning benefit.
Check every item on your bill. Medical insurance companies are notorious for making you pay for common things that they claim they “don’t cover.” If you feel they should be covering something, then call and negotiate with your insurer to see if they will pay.
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