Insurance Tips For A Secure Future


Below, you will find a number of tips that will help you gain an understanding of how to choose the right insurance for your needs. Many people are not getting their money’s worth, and are spending more for the coverage that they do have than they should. Continue on and read some helpful tips to see if the coverage you have is the right fit for you.

When shopping for insurance, look for a company that fulfill all of your insurance needs. It is more than likely when you combine health, home, life, and car insurance all into one plan with a company, you should get a great discount because of this. Changing auto coverage away from your home insurer can cause your home rate to spike.

While running a business, big or small, all insurance options need to be covered. Make a list of the possible risks you might face and ask your insurer if they’re covered; if they’re not you can buy additional coverage.

Whenever you file an insurance claim, be certain to keep notes and documentation of the entire process, this will help to ensure the claim will be processed efficiently and smoothly. Write down every interaction with the claims department in case you need to pull details about what has been occurring and what promises have been made to you. Ask for the names of people you talk to face-to-face or on the phone. Follow these contacts up with written communication to confirm the details that were communicated.

You should refrain from filing claims that are small, even if they fall under your coverage. It could raise your premiums and make you pay more than if you just fixed it yourself. There are also many insurers that offer customers discounts and rewards based on the number of years they have spent without filing a claim. In case of a serious accident, that full coverage is there still.

Keep your credit scores up to avoid paying higher insurance premiums. Insurance companies base their premiums partly on your credit history. If lenders would consider you a high credit risk, prepare to be treated the same way by insurance companies.

You can reduce your premiums by choosing a higher deductible, but it comes with more costs later. This will reduce your monthly bill, but you will have to pay something out of your pocket if something happens. Remember to consider these small expenses when deciding the best choice for yourself.

Take the time to periodically review the specifics of your policy. Get quotes from several agents to see if they can offer you lower rates. The extra money from unknown discounts and overcharges can make a difference in the long run.

A good financial strategy includes investing in the perfect insurance policy for you. Choosing a policy with an extremely low deductible will increase the amount that you pay in premiums, but you will be completely covered if something unexpected occurs. Choosing the right deductible can mean rolling the dice according to how much you are willing to pay up front for an accident.

To get the best insurance rates, check the prices at several companies and find the policy that offers the coverage you need. Being well armed with information is the best way to get the best deal for insurance. The more insurance knowledge one has will make it easier to get the right insurance plan.

It may be frustrating to attempt to find affordable coverage; nonetheless, this is a matter that must be dealt with. Follow these tips to find fair prices and the coverage you need. Organize your information into a checklist and use it to compare various plans, including your current one if applicable, before settling on your final choice.

 

Tips That Will Make Your Auto Insurance Venture A Success


Buying the right insurance for your car is essential to prevent financial difficulties when an accident occurs. The article below will describe how to ask the right questions from your broker or agent, what coverage to buy and how to avoid duplicate coverage. Read the article and ask the right questions from your insurance professional.

Keep a clean license. When accidents and tickets are on your driving record, your insurance costs can go through the roof. If you already have a infraction on your license, check with your insurance company to see if attending traffic school, or a safe driving course can get your premiums lowered.

To save money when pricing car insurance for your teenage driver, make sure you price out a separate policy for them and compare the cost to how much it will change the price if you add them to your current policy. It pay be less expensive to purchase a separate policy for them, depending on what cars they are driving.

Speak to your insurance agent before you buy expensive mods or add-ons for your car. A set of rims might set you back $1,000 but if they only add $30 of value to the car according to the appraiser, you will lose the difference in the event that the vehicle gets stolen.

In a number of states, you’re required to carry liability insurance if you are the driver of a car. The law requires you to be pro-active in knowing if you’ve got the required minimum insurance coverage for the state in which you reside. If your vehicle is not insured when you are in an accident, there will not only be serious financial consequences, but there will also be consequences from your local authorities.

Certain vehicles are inherently more expensive to insure than others. Insurance companies charge higher premiums for that high end luxury model you love so much. To save money on insurance, purchase a vehicle that is safe and modest.

There are insurance plans beyond what is legally required that offer better protection. Your premium might be more expensive, but the extra options are often worth it. One important coverage to carry is coverage that protects you from uninsured motorists.

Try to ride buses or take a carpool. Insurance companies like when their policy holders show responsibility, keeping your mileage low is something they really appreciate. By telling your agent about the times you’ve been carpooling, he can then consider incorporating a discount to lower your premium.

Don’t do monthly payments for your auto insurance bill. Your insurance provider can add up to $5 to your monthly bill. It may not seem like much, but it adds up quickly. You may also find an additional bill every month to be an annoyance. The less payments you have to make, the better.

If you get into an accident, automobile insurance can save you from a very costly mistake. Having the right coverages and insurance options ensures you get the financial assistance you need. Use the article above to get the answers you need to obtain the coverage right for you.

 

Protect Your Loved Ones With Health Insurance


If you do not have health insurance, you are taking a huge risk. You will have a large bill if something does happen. A broken bone, serious illness, or extensive trauma can result in very high medical bills. Having an excellent health plan is safer. Read the below tips in order to assist you when it comes time to choose a policy that is the best one for protecting you and your loved ones.

When thinking about a health insurance policy from your job, think about your health and your family’s health. If you have no current health issues, you may get a policy that has a cheaper premium. While this is the least-cost method right away, skimping too much on insurance coverage could put you at financial risk if sudden health problems come up.

When you are thinking about getting an individual health insurance policy, take time to work out all applicable costs. Co-pays, premiums, and deductibles can be difficult to grasp, so add everything up to see all the costs prior to buying the insurance.

If you have just graduated from college and want health insurance, consider these options. If you’ve got a job, use the employee-based insurance it provides. If you are 25 and under, you can still be part of your parents’ plan. Of course, you can also check for your own individual plan if neither of those works.

To save money on your health insurance premiums, opt for catastrophic coverage rather than comprehensive. The lesser coverage only covers hospital visits or emergency care, but it will save you money.

Expect health insurance policies to have hidden loopholes within the fine print. Thoroughly peruse your policy in order to avoid being surprised when someone tells you that a particular issue is not covered under your policy. Put money aside each month so that you always have funds available to pay for medical procedures that are not covered by your insurance.

Health insurance is important because you never know what to expect. You never know when you may be injured or fall ill or otherwise need medical attention. Use these helpful tips when you are looking for a new health insurance plan to get the best coverage for you family at the best price.

 

How To Get The Most Out Of Your Insurance Plan


Insurance can be very confusing, especially if you have never had a policy before. This article will focus on providing you with all of the inside information you need to land a better insurance premium, and get a deal that saves more than your car; it saves your wallet.

Pay less on your insurance premiums by getting new quotes from various providers before renewing your policy. Each company uses a different method to calculate your premiums. This signifies that among different insurance companies, there is a big difference in how much policies cost. Try shopping around and getting a minimum of three quotes prior to picking a company.

Try to find one insurance company that can handle all of your insurance needs. Often, if you own home, car, life, and health insurance with one corporation, you could get a good discount. If you change car insurance companies on one type of insurance and not the other, you may lose money as the rate increases on the other insurance you have with that company.

Having a police report can make it easier for your automobile insurance company to pay your claim. You should keep track of your interactions with your insurance company to get a good idea of how your claim progresses. With each conversation you have, whether it’s over the phone or face to face, follow up with a written letter as confirmation.

Raising your deductible will lower the premium, but it can be costly. Even if your monthly bill is much lower, many expenses will have to be paid out of pocket. Be sure to calculate those expenses before you choose a plan.

Think about canceling the towing clause on your car insurance. Towing usually costs a hundred dollars, but after a few years with the insurance, you pay more. If you are in a collision, alternative provisions within your policy likely give you towing coverage, and therefore paying for it separately is probably unwise.

Try to have all your policies under one insurance company. For example, purchase renters or homeowners insurance through the company that provides your auto insurance coverage. In many cases, your insurance company will offer a discount on each policy’s premiums when you use the company for more than one type of insurance. You could save up to 20% on your premiums, which can be used elsewhere.

Talk to people you know about insurance. Get referrals to good companies and warnings about bad ones. Chances are, they’ve dealt with both sides of the decency-spectrum and can provide a clear set of objectives for finding the best company; possibly even lending you a suggestion in the process!

Your premiums will be reduced if you are not a smoker or a drinker. Also, you will save money on insurance if you have a car alarm installed that reduces your chance of theft. Ask your insurance company if there are any other discounts that you may be qualified to receive.

Insurance may even cover your property after an emergency or odd event. It’s smart to get coverage from an unforeseen monetary emergency.

If you have pre-existing health issues, insurance companies are going to require a health examination when purchasing over $100,000 in life insurance. That test could end up in higher premiums or rejection of coverage.

Although the wide range of available insurance choices can be confusing, the advice in the preceding article should help you decide which policy is best for you. The more you know about insurance, the faster and easier you will be able to locate the right coverage, at the best price to fit your needs.

 

Intelligence Helps Promote Savings, So Use These Tips To Shop Your Auto Insurance


Auto insurance is large part of being a responsible vehicle owner. However, auto insurance policies seem to be written in the most confusing terms possible. This article can help you to better understand what all of those terms mean. By understanding the terms of the auto insurance world, you will be a more informed consumer.

A great way to reduce your insurance bill is by lowering your mileage each year. Most insurance providers will actually decrease the amount of your premium by decreasing the number of miles you drive.

It’s important to do your research before purchasing auto insurance. There is a wide variety of coverage available; being knowledgeable about each type will help you make a better purchase. If you are just getting insurance on one car, there are still many things to consider. If you accidentally hit someone, bodily injury liability will cover all legal costs and injury claims.

Try comparing the cost of giving a teen their own insurance plan versus including them in your insurance policy. You may save money by purchasing your child a separate policy; the type of cars that you have factor into the price.

The make and model of the vehicle you buy will play a significant role in the amount your auto insurance will cost. Insurance companies charge higher premiums for that high end luxury model you love so much. Choose a vehicle that’s safe and modest to receive the lowest insurance rates.

Utilize public transportation or ride to the office with co-workers. Insurers love when their clients are responsible and they can reward them by lowering their mileage. You could have a discount that lowers your premium if you let your agent know that you use a bus or carpool.

Raise your deductible to save some money on premiums. It is a risk, but for people who are able to save up money for the deductibles, it is a smart way to save money. Your premium will cost less if your deductible is higher.

Car insurance rates vary by state, so consider what the rates are in the area you’re planning to move to. Insurance rates vary due to the chances of theft or accident, and suburbs and rural areas are generally cheaper than cities.

Don’t cancel your first auto insurance policy unless you have received your new auto insurance. You do not want to be without car insurance, even if it is just for a couple of days.

Don’t buy your teen a car. Instead, have them share a car the family already owns. Adding them as a secondary driver to your current insurance plan is cheaper than giving them their own car insurance policy. You may even be able to get a discount on your insurance if your teenager is a good student.

Violations, such as tickets and points, can greatly increase the amount you pay in car insurance. Similarly, when tickets and driving record points are no longer on your record, you can also see a drop in car insurance rates. If you have recently had tickets and/or points removed from your driving record, now would be a great time to shop for new auto insurance quotes!

Do not jump for the first lower rate you discover, though; check with your current insurers before changing companies. Your insurance company may be willing to lower your rate to keep you as a customer.

Even though your insurance company should send someone to record damage from an accident, you must also document what happened. Cell phone pictures provide the perfect record of the damage and location of an accident. You should think of leaving a camera with you in your car in case of an emergency.

One great way to reduce the cost of your auto insurance is through the installation of an alarm or other passive security device. The more likely your car is to be stolen, the higher your insurance premium will be. If your car is theft proofed you can lower your premium.

Your rates will be higher than someone who has never had an accident, but maybe not much more if you shop around. If you only have a few negatives on your record, you may be able to find an insurance company which specializes in getting you a better rate.

If you list all of your car’s safety features, you can lower your insurance rates. You will find that safety features like air bags and alarms will get you a better rate on your insurance bill because of their ability to reduce future claims. Even with an older car you can get these discounts if you include these safety features at a later date.

You may be able to get a discount for low mileage from your insurance company if you have a short commute. Usually, in order to be eligible to receive this discount, you must drive no more than 7,500 miles annually. If you take the bus or train instead of a car you may get a commuter discount.

The insurance world is full of confusing, technical words and phrases. If you master this terminology by reviewing insurance tips like those below, you will be prepared to choose a good insurance policy, one you can feel confident about. When you are well-informed, you can feel better about your coverage.

 

Advice For Anyone Dealing With Health Insurance


It is very risky to live without health insurance. If you break your leg or have a serious illness, you could end up with massive medical bills. Maintaining a good health plan is always your best bet, and below you will read about some great tips that will show you the various methods to picking out the best policy for you and your loved ones.

Think about your family’s health needs, including your own, when deciding which employer-sponsored health insurance plan to sign up for. This is a balancing act, becasue you may choose to buy less insurance coverage because of the lower premiums and the fact that you have no current or expected health issues. This may be enticing, but if health issues arise you could be in for some trouble.

Do your research and calculate your costs if you are thinking about purchasing individual health insurance. It can be difficult to comprehend premiums, co-pays and deductibles but you need to understand them. These are all important fees that need to be included when you are figuring out what your insurance is going to cost you.

Find out if your place of employment offers any type of employee wellness program. This can save you health insurance costs. Lots of employers provide incentives to their employees for getting their health analyzed. You could then register for exercise programs in order to assist your company in saving money on insurance coverage, which can decrease your premiums.

It is important to plan for the higher cost of an individual policy versus a group policy often offered by employers. You might need to choose a higher deductible and reduce some parts of your coverage to keep the costs affordable. Shop around, and compare plans to find the best rates and coverage.

If issues with your vision have arisen, or if there are hereditary factors that could cause problems in the future, consider an insurance policy that covers vision. The insurance covers a percentage of check ups and eyeglass or contact purchases. This kind of coverage is not mandatory, and those that purchase it, but do not need it, may wind up spending more money than those who don’t get it.

Choose catastrophic insurance coverage over comprehensive to lower your premiums. Catastrophic coverage does not pay for prescriptions, checkups, and so on, but only for emergency care or hospitalization.

All health policies have some loopholes hidden within them. Read and comprehend every word of your health insurance policy. Learn exactly what is and is not covered. You need to be ready to pay for things on your own that are not covered. Some medications and procedures are not always fully covered by insurance.

When a health insurance company calls you as part of the application process, never volunteer information. Only give out information that they specifically ask for. Any extraneous information that you provide can be used to increase your premiums or deny coverage.

Make sure that your insurance plan covers all aspects of pregnancy and childbirth before getting pregnant. You need to know this as some insurance plans do not cover all aspects of the pregnancy and labor.

It is important to know that some business will charge you for covering a spouse if they are able to get insurance through their employer. You might save money by having them get their own insurance, make sure you compare them.

You would do well to thoroughly digest all written material regarding your health insurance policy. Providers send you a book covering all of the fine nuances of your policy. The only way you can know what to expect is to spend the time reading the entire thing. While it may seem tedious, the information is very important and is worth knowing.

Insurance can be confusing especially when there is a pre-existing health issue, and it’s best to do some research prior to entering into a policy with any company. Several companies will not cover you if you suffer from a pre-existing condition, and there are some that charge more for coverage. In order to obtain the best value for your money, do your homework and research what is being offered to you and at what cost.

Life is unpredictable, which makes it especially important to always have adequate health insurance. At any given moment, you can be involved in an accident, or contract a life threatening illness. If you utilize the tips in this article when you are pricing out health insurance plans, you will be able to find the most affordable policy for you and your family.

 

Learn About The Tips That Make Buying Auto Insurance Easy


There can be a lot of complex writing and terms in auto policies. You may find yourself feeling hopelessly confused and unsure of what anything means. In this article, every term associated with auto insurance will be clarified. Understanding what the terms really mean can help you to make more informed decisions about your auto insurance.

You should comb through your insurance options carefully. All companies use some type of formula to calculate the premium. What determines the costs are the driver related answers you give to their questions, and also your driving record. You can select the least expensive insurer when you compare rates from various competitors, and you will lower your cost in the process.

When purchasing auto insurance, be sure to get quotes from a number of different companies. Rates can vary drastically in the car insurance world. Get new quotes every year to ensure the lowest premiums and out-pocket-costs. You should be sure that you are getting the right coverage when researching insurance companies.

When signing up for your auto insurance, remember that only you are covered unless you specifically add others to your policy. Many drivers lend their car out to a friend, only to find that the friend’s accident is not covered because they were not listed on the driver’s policy. There are coverage options that insure only the car itself, rather than a car/driver combo, but you have to pay extra for these types of policies.

When you are requesting quotes for car insurance, comparing costs of annual premiums is just a small part of your overall analysis. The fine print should be carefully looked at, so that you understand which deductibles you must pay for if you have an accident. In addition, the coverage levels and benefit limits are provided in this fine print.

Never cancel your existing policy without first getting coverage in effect with another company. Auto accidents can happen at any time, so make sure you always have insurance.

You shouldn’t buy new cars for teens. The best way to save money is to let them use a car that you already have. Adding them to your preexisting insurance plan will be much cheaper. It’s even possible to get a discount, if your kids get good grades.

By making a list of discounts, you can see exactly which discounts you can get, as well as which ones you may be able to get with only slight changes in your driving habits. You can save a lot of money once you total up all the discounts for which you are eligible.

Being penalized for poor driving can really raise your insurance rates. Conversely, whenever these things are removed from your record, you can see your insurance rates decrease as well. When your driving record is clean again, you may want to get some updated quotes from insurance companies.

Before you select an auto insurance policy, get multiple rates from various companies. You need to shop and ask around if you want to get good rates.

Use this advice to make smarter auto insurance choices in the future. Learning all that you can about your options is the most effective way in overcoming your confusion around auto insurance.

 

Confused About Your Insurance Needs? Check Out These Tips!


These tips about insurance should help you understand your policies better, and choose the insurances you subscribe to more wisely. You might be paying more than you have to for the kind of coverage you really need. Determine if you currently have the right type of insurance by reading the below article.

Clearly explain what happened to get a quick response to your claim. Be sure to take photographs of any damage. Don’t make up stories about the damages, trying to get more money, this can get you in serious trouble.

Find out if your state government has information available about insurance companies. This will give you a rough estimate of the average prices people are paying. If you know the price range, you’ll be able to find an insurance policy with the lowest price.

If you need to file a claim, keeping copies of paperwork and notes of conversations will help untangle any snags in the process. Keep a record of all the conversations you have. This will serve as a time line as far as the progress of the claim. After having face to face talks or phone calls, write letters to confirm what you were verbally told.

Compare prices and options from different companies before you purchase coverage. A lot of individuals just renew whatever policy they currently have, in lieu of taking the time to see if there is greener grass out there. When the potential savings are significant, it is well worth the time you spend researching and evaluating plans.

Maintaining a healthy credit score is an important part of keeping your insurance premiums down. One of the things insurance premiums are based on is your credit history. If you are thought to be a customer of high risk, the company will treat you that way and give you high premium costs.

The Internet can prove extremely useful to obtain price quotes for any type of insurance. You’ll know the rates of competing companies and be better prepared to make a decision. Online quotes are not acceptance. The insurance companies will still require you to fill out applications and take medical examinations.

Go over your insurance policy regularly. You may find discounts you should be receiving, inaccuracies or extra persons you thought you removed! Any issues with your policy can cause you to pay more money, so it’s best to comb over the policy and make sure everything is correct.

Sometimes, making a sound financial decision means selecting an insurance policy that will work for you. For example, if you pick a policy that has a low deductible, the cost each month will be higher, but you are secure in the event of an accident. You might decide to take the risk of assuming a substantial deductible in exchange for lower payments, but you will always be in danger of falling victim to accidental circumstances which require you to pay a massive deductible before any further coverage will apply.

To make sure you get an excellent deal on your insurance, it’s important to do research and compare prices. By being educated about different types of insurance and the companies that provide them, one can get the best plan for them. It is this well-rounded knowledge that will put one in a better position when the time comes to activate an insurance plan.

Look at the forms for renewal very carefully for pet insurance. If you are renewing pet insurance some companies believe it to be a new policy and might classify certain conditions as preexisting. Unfortunately, insurance companies are always using these tactics. It’s up to you to make sure that you don’t get suckered into this trap.

Cancel the part of your insurance policy that gives you towing to save money. The cost of the towing insurance surpasses the price of a tow after a few years. There are other coverages in your policy that will cover your tow charges if you are in an accident.

Ask your insurer if there are savings to be had by merging all the different types of insurance that you need. The majority of insurance companies will offer discounts for customers who use their services exclusively, as well as discounts for bundling services.

Although getting insurance can be a complicated process, it is definitely something you cannot do without. The tips you have found above will help you determine what kind of coverage you need and how much it should cost. Whether you are purchasing a new policy or reviewing an old one, start by writing down a list of your insurance needs.

 

Essential Health Insurance Tips To Save You Time And Money


There are so many health insurance plans out there that it can be a daunting task to settle on one. However, in cases of medical emergencies, that small card can prove to be life-saving. In the following paragraphs, you’ll get educated about health insurance, its many benefits, and the ways you can make it work for you.

Before opting into your company’s health care pool plan, you should first focus on the health of you and your family to see if this type of plan is right for you. You may not foresee any major health issues and therefore choose a plan with lower premiums. This will save you money in the short term, but may cost you if you have an accident or a medical issue appears later.

Many companies offer employee wellness programs that allow employers to save on health insurance. A lot of employers offer incentives to any employee who has their health and lifestyle assessed. By signing up for a fitness program, you can reduce the cost of your health insurance and save money on your premiums.

Bear in mind that the costs for individual policies are usually higher than those of group insurance offered by employers. It is possible you might have to be satisfied with a higher deductible and/or less coverage. Take some time to research companies so that you can get the best rates and coverage.

You should review your prescription coverage every year. Prescription coverage is subject to change in most insurance policies. You should double-check all terms so you don’t get surprised after you’ve renewed your coverage. If the pill you are taking on a daily basis is suddenly not covered, it is probably a good time to begin looking for another insurance provider.

Generic drugs will always save you money regardless of the type of health insurance coverage you have. In the majority of cases, you can get generic medication for much less money, and repeated studies prove that generics are identical to the original drugs, except for the drug’s brand names.

Investigate your prescription coverage by reading your health insurance policy. The list changes yearly, so check when you re-enroll so that you won’t be surprised when filling a prescription.

It is cheaper to be on a group plan when you have insurance. Your rate will be lower if you are in a plan at work rather than an individual plan on your own. The best way to go about it is to join a trade organization that provides membership discounts in insurance premiums.

Are you covered under a health insurance plan? Life insurance can help your family and you receive good medical care for future problems. The tips in this article can make it easier to find the insurance you require.

 

Auto Insurance Tips For Decreasing Your Cost And Increasing Your Coverage


Your automobile insurance policy protects more than your car. In addition to providing you with protection, it also provides protection for other drivers. When you get your policy, you are going to want to be sure that it covers everything that you expect it to. Using the following tips, you can get an affordable insurance plan that provides all the coverage you need.

Most people incorrectly believe that insurance rates will definitely decrease as a person reaches the age of 25. The reality is that after the driver has reached the age of 18, the rate starts gradually dropping.

To keep your insurance rates low, pay on time and never allow your auto insurance coverage to lapse. You should be careful to not have a gap in your coverage when you are switching from one insurance provider to another. An insurance company will raise your rate if they notice these gaps.

Consider using public transportation or organizing a carpool. Insurance companies pay attention when policyholders act in a responsible manner, and driving less reduces their risk, so they will lower your premiums. By lowering the number of miles you drive your car, you can often convince your insurer to lower your premiums, based on a lower risk of accidents.

Pay attention to the insured driver on your policy. There are many times when an accident happened with a friend who had borrowed somebody’s car; the insurance refused to pay. Although it will cost extra, you can elect for coverage which will permit other drivers to operate your vehicle.

With other expenses already so high, it is a good idea to drop some of those after-market upgrades that only add to aesthetic value. Although heated seats or an upgraded stereo may improve the quality of your car ride, these are unnecessary add-ons. If you do and your car is destroyed, your policy may not cover it.

Go for a non-sporty vehicle. Sports cars are going to cost you a lot more to insure. Buy a vehicle that is not as popular and high profile. Larger motors cost more in insurance premiums as well. Expensive vehicles are frequently targets of theft. This factors into your insurance cost.

Just because auto insurance is cheap, does not mean it does not warrant further investigation. Sometimes you really get what you pay for. It will be necessary to research the carrier and policy details prior to putting your faith in the notion that you will indeed receive proper compensation if an accident occurs.

Having the right kind of insurance can save a person quite a bit of cash if they get into some kind of accident. The policyholder is expected to pay a portion of the claim, called a deductible. Any claims over and above the deductible will be paid by the insurer.

The above advice will enable you to look closer at your insurance policy and make the most out of your plan. You may be surprised to see that your current policy doesn’t include everything you though it did, or it may include other coverage that you don’t need and have been paying extra for.