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	<title>The Frugal Pig &#187; insurance</title>
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	<link>http://www.frugalpig.com/frugallife</link>
	<description>Frugal Living Tips and Ideas</description>
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		<title>Do Websites Really Help You Save Money On Auto Insurance?</title>
		<link>http://www.frugalpig.com/frugallife/frugal-finance/insurance/do-websites-really-help-you-save-money-on-auto-insurance/</link>
		<comments>http://www.frugalpig.com/frugallife/frugal-finance/insurance/do-websites-really-help-you-save-money-on-auto-insurance/#comments</comments>
		<pubDate>Fri, 24 Jun 2011 02:42:19 +0000</pubDate>
		<dc:creator>Oink</dc:creator>
				<category><![CDATA[insurance]]></category>

		<guid isPermaLink="false">http://www.frugalpig.com/frugallife/?p=465</guid>
		<description><![CDATA[If you are a US  driver, you probably need to have some minimum amount of car insurance. Every state has a legal requirement that you have to demonstrate proof of financial responsibility in order to operate a vehicle on the roads. For most of this, it means we have to carry the minimum required liability insurance. Of course, if you drive a new car, especially one with an outstanding loan balance, you probably even have to buy more than the minimum coverage! It is alarming to see how many uninsured drivers out there. Texas estimates, for example, that 1 in 5 drivers are not insured. This makes everything more expensive and a bigger hassle for people who do follow the rules. It is also a big risk for drivers who try to get around the rules. So, you are probably doing the right thing by paying your premium every month. However, if you have just had a rate increase, or if you have been unhappy with your company for some reason, you may like to try as little as possible to cover your car. Internet car insurance quotes can actually help you. This is especially true if you can find [...]
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<li><a href='http://www.frugalpig.com/frugallife/frugal-finance/finance/do-college-students-need-renters-insurance/' rel='bookmark' title='Do College Students Need Renters Insurance?'>Do College Students Need Renters Insurance?</a> <small>Do College Students Need Renters Insurance? If your college student...</small></li>
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		<title>Affordable Health Care Help</title>
		<link>http://www.frugalpig.com/frugallife/frugal-finance/insurance/affordable-health-care-help/</link>
		<comments>http://www.frugalpig.com/frugallife/frugal-finance/insurance/affordable-health-care-help/#comments</comments>
		<pubDate>Sun, 06 Mar 2011 13:06:05 +0000</pubDate>
		<dc:creator>Oink</dc:creator>
				<category><![CDATA[insurance]]></category>

		<guid isPermaLink="false">http://www.frugalpig.com/frugallife/?p=371</guid>
		<description><![CDATA[Is Affordable Health Care In The US Closer Now? Despite all of the national health reform hoopla, almost 50 million Americans still lack medical coverage. Millions more do not have comprehensive coverage. They may be covered with some sort of health plan, but the policy is really not very good. If you lack coverage for medical services you need (or may need), the best time to try to figure out your strategy is before these needs mount into a medical or financial emergency. The important thing is to figure out how to access the best health care possible for you and your family. The previous link summarizes some steps a person could take. These range from options for self employed people to alternatives for people with very low incomes or pre-existing health conditions. Also note this advice on how to afford a pregnancy with no health insurance. The Get A Job Myth You have probably already heard the trite advice: get a job with medical benefits. This may be something you have already been trying to do for months or years. There is no doubt that a good job with a group health plan can relieve a lot of stress. However, [...]
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		<title>Is Name Your Own Price Car Insurance Really Frugal?</title>
		<link>http://www.frugalpig.com/frugallife/frugal-finance/insurance/is-name-your-own-price-car-insurance-really-frugal/</link>
		<comments>http://www.frugalpig.com/frugallife/frugal-finance/insurance/is-name-your-own-price-car-insurance-really-frugal/#comments</comments>
		<pubDate>Sun, 27 Feb 2011 02:18:36 +0000</pubDate>
		<dc:creator>Oink</dc:creator>
				<category><![CDATA[insurance]]></category>
		<category><![CDATA[autos]]></category>
		<category><![CDATA[car insurance]]></category>
		<category><![CDATA[name your own price]]></category>

		<guid isPermaLink="false">http://www.frugalpig.com/frugallife/?p=365</guid>
		<description><![CDATA[What Is Name Your Own Price Car Insurance? There are some positive and negatives to the Name Your Own Price car insurance system that Progressive promotes on their TV and Internet ads today.  You may wonder how this can be possible. The system is actually fairly simple, and it does make the process of buying a policy more transparent to the customer. Of course, you cannot just name any price. It would be great if you could so everybody could buy very cheap insurance onlineat the Progressive website! There will be a minimum cost to getting the minimum required coverage by state law or your auto lender. What you can do is cut your premium by deciding to opt out of some of the extras that may normally included in policies. For example, if you have a loan on a fairly new vehicle that you had to take out a loan to purchase, your lender probably requires you to have full coverage on that car. They want to make sure that the loan can be paid off in case of an accident or other damage. However, they probably do not require you to pay extra for rental car coverage. They [...]
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		</item>
		<item>
		<title>Lower Cost Senior Car Insurance</title>
		<link>http://www.frugalpig.com/frugallife/frugal-finance/insurance/lower-cost-senior-car-insurance/</link>
		<comments>http://www.frugalpig.com/frugallife/frugal-finance/insurance/lower-cost-senior-car-insurance/#comments</comments>
		<pubDate>Thu, 14 Oct 2010 19:04:55 +0000</pubDate>
		<dc:creator>Oink</dc:creator>
				<category><![CDATA[insurance]]></category>
		<category><![CDATA[auto insurance]]></category>
		<category><![CDATA[car insurance]]></category>
		<category><![CDATA[over 50]]></category>
		<category><![CDATA[seniors]]></category>

		<guid isPermaLink="false">http://www.frugalpig.com/frugallife/?p=296</guid>
		<description><![CDATA[Why Is Senior Car Insurance Expensive? People in midlife may enjoy some great auto insurance rates. They have had a chance to build a long driving history and may be enjoying a very stable part of life. However, this changes as people pass into retirement age. While a 60 year old may find it easy to buy cheap car insurance, rates may increase at age 70. If you are in &#8220;midlife&#8221;, enjoy the benefits of Over 50s Car Insurance.  But if you entering retirement years, and have been hit by a rate increase, you may need to research Seniors Car Insurance. Why Do Senior Auto Insurance Rates Go Up? Many seniors are good drivers! They have years of experience, plus the maturity to make good judgements on the road. However, some older people have physical problems that can hamper their ability to operate a vehicle. They may be especially vulnerable at night, in busy traffic, or on unfamiliar roads. The point is &#8211; insurers tend to look at claims dollars the pay out for a variety of groups. The senior age group, like the young adult age group, just tends to be responsible for larger shares of the total amount. So [...]
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		<title>Is That Cheap Term Life Policy Really Cheap</title>
		<link>http://www.frugalpig.com/frugallife/frugal-finance/insurance/is-that-cheap-term-life-policy-really-cheap/</link>
		<comments>http://www.frugalpig.com/frugallife/frugal-finance/insurance/is-that-cheap-term-life-policy-really-cheap/#comments</comments>
		<pubDate>Mon, 26 Jul 2010 16:14:15 +0000</pubDate>
		<dc:creator>David</dc:creator>
				<category><![CDATA[insurance]]></category>

		<guid isPermaLink="false">http://www.frugalpig.com/frugallife/?p=258</guid>
		<description><![CDATA[Are Cheap Term Life Policies The Real Deal? If you watch TV at all, you must have seen several advertisements for low cost term life insurance policies. They usually show a happy an attractive family. The husband and wife talk about how they want to provide for their family&#8217;s security with life insurance. Then they go on to talk about the fabulous deal they got on a term life policy. Those rates always sound really great, but are they the real term life insurance rates you would get? And if you did get them, would those policies be the best ones? Note - Get competitive term life insurance rates here. Are you super select?When I worked as a life agent, I would try to give realistic quotes based upon what I knew about my potential clients. Many times, they would tell me they had an internet quote for some sort of super-preferred rate class that was a bit lower The thing is, I knew these people would never qualify for that rate class, and I tried to give them a realistic quote so they would not be disappointed later. Term life is an affordable way to get a lot of [...]
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		</item>
		<item>
		<title>How To Afford Health Insurance</title>
		<link>http://www.frugalpig.com/frugallife/frugal-finance/insurance/how-to-afford-health-insurance/</link>
		<comments>http://www.frugalpig.com/frugallife/frugal-finance/insurance/how-to-afford-health-insurance/#comments</comments>
		<pubDate>Sat, 24 Jul 2010 16:32:26 +0000</pubDate>
		<dc:creator>Oink</dc:creator>
				<category><![CDATA[insurance]]></category>
		<category><![CDATA[health insurance]]></category>
		<category><![CDATA[low income]]></category>
		<category><![CDATA[medical]]></category>
		<category><![CDATA[prescriptions]]></category>

		<guid isPermaLink="false">http://www.frugalpig.com/frugallife/?p=245</guid>
		<description><![CDATA[Can You Afford Health Insurance ? Bear with me. This article is a little complex. I do have a lot of experience with this topic, but since my audience is diverse, I have to answer the question for different types of people. I will assume that most people who are reading this are from the millions of Americans who lack group medical benefits. Some of you may have a group health plan at work, and that is usually your best option. However, I do understand that these days, that some employers expect the employees to kick in a large share of that too. Millions more of you may work at a company that does not offer group major medical, be self employed, or laid off. Some of you may already suffer from a pre-existing health condition that makes it hard to get private insurance, or that even makes it hard to find another job! Individual Health Insurance You should not assume, right off the bat, that you cannot afford a private medical plan. These days, there are so many options that you may find one that covers you in case of a serious accident or illness at a budget friendly [...]
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		<title>Car and Homeowners Policy Discounts Can Save You Money!</title>
		<link>http://www.frugalpig.com/frugallife/frugal-finance/insurance/car-and-homeowners-policy-discounts-can-save-you-money/</link>
		<comments>http://www.frugalpig.com/frugallife/frugal-finance/insurance/car-and-homeowners-policy-discounts-can-save-you-money/#comments</comments>
		<pubDate>Fri, 09 Jul 2010 17:30:05 +0000</pubDate>
		<dc:creator>Oink</dc:creator>
				<category><![CDATA[insurance]]></category>
		<category><![CDATA[auto insurance]]></category>
		<category><![CDATA[homeowners insurance]]></category>
		<category><![CDATA[insurance policy discounts]]></category>

		<guid isPermaLink="false">http://www.frugalpig.com/frugallife/?p=232</guid>
		<description><![CDATA[Do You Need to Cover an Auto and a Home? One of the best tips ever for finding cheaper car insurance and cheaper homeowners insurance is very simple! Many insurers know they save money on marketing and administration by getting you to give them all of their business. They are ready and willing to pass along substantial discounts with auto home insurance discounts! I really did not know this, so I used a so-called discount auto insurance company for my cars and drivers. I used another insurer for my home. One day I decided I was just paying to much for insurance. My total bill dropped by almost $200 a month (yes, month!) when I found a larger company who would offer me a great price break for getting all of my business. In my opinion, saving over two grand a year made a little bit of inconvenience very attractive! See if you can save some money too: Compare Car Insurance Your email:&#160; No related posts. Related posts brought to you by Yet Another Related Posts Plugin.
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Frugal Tips for Saving Money on Car Insurance Premiums</title>
		<link>http://www.frugalpig.com/frugallife/frugal-finance/insurance/frugal-tips-for-saving-money-on-car-insurance-premiums/</link>
		<comments>http://www.frugalpig.com/frugallife/frugal-finance/insurance/frugal-tips-for-saving-money-on-car-insurance-premiums/#comments</comments>
		<pubDate>Sat, 13 Mar 2010 18:12:25 +0000</pubDate>
		<dc:creator>Oink</dc:creator>
				<category><![CDATA[insurance]]></category>
		<category><![CDATA[bills]]></category>
		<category><![CDATA[car insurance]]></category>
		<category><![CDATA[frugal]]></category>

		<guid isPermaLink="false">http://www.frugalpig.com/frugallife/?p=203</guid>
		<description><![CDATA[Saving Money on Auto Insurance Premiums with Top Car Insurance Companies Who doesn&#8217;t want to stretch their paycheck these days? And since most of us need to buy car insurance, that bill seems like a popular place to start. You probably need auto insurance, but you do not need to overpay for this important coverage. On the other hand, be wary of saving a few bucks by cutting your coverage. This can cause more problems in the long run. Shop Around! You really can save money on car insurance by shopping around! Do not assume that all insurers are the same, or that your old company is rewarding you for loyalty either.  Another company may offer better discounts for things you do to reduce risks. Some examples of things that can earn auto insurance discounts  are safety features, anti-theft devices, and taking defensive driving classes.  I know that I beefited from this when I had to add a new driver to my policy. My old insurer almost tripled my rates at that time, but I found rates that were $200 less a month by shopping around for the right company for my own unique situation! My new company is also [...]
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		<title>Leave More Money Behind and Avoid Inheritance Taxes</title>
		<link>http://www.frugalpig.com/frugallife/frugal-finance/insurance/leave-more-money-behind-and-avoid-inheritance-taxes/</link>
		<comments>http://www.frugalpig.com/frugallife/frugal-finance/insurance/leave-more-money-behind-and-avoid-inheritance-taxes/#comments</comments>
		<pubDate>Fri, 26 Feb 2010 14:00:35 +0000</pubDate>
		<dc:creator>Oink</dc:creator>
				<category><![CDATA[insurance]]></category>
		<category><![CDATA[long term care insurance]]></category>
		<category><![CDATA[nursing home]]></category>
		<category><![CDATA[single premium life]]></category>
		<category><![CDATA[whole life]]></category>

		<guid isPermaLink="false">http://www.frugalpig.com/frugallife/?p=196</guid>
		<description><![CDATA[How To Multiple Your Inheritance While Avoiding Taxes While we are doing our retirement planning, most of us also consider the next generation. We would all like to leave money behind to our spouses, kids, grandkids, or even a favorite charity. It is our way of trying to do some good, even after we have left this world behind. For middle class people, the problem of taking care of our retirement needs, while trying to leave an estate, is a tough and common dilemna. We consider products like annuities to provide income for our golden years, but as we think of ourselves, we do not want to leave others out of our thoughts. Single Premium Life Insurance (SPLI)  is one way to be able to multiply an estate, and also to help our beneficiaries avoid inheritance taxes. Now keep in mind, that because this type of life insurance is paid for with one premium, it may not be treated the same by the IRS as traditional life insurance that is paid for over a span of years. When you sit down and look at individual products, with an insurance agent, they should be able to illustrate the benefits of SPLI, [...]
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		</item>
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		<title>Why is Renters Insurance Good for Tenants and Landlords</title>
		<link>http://www.frugalpig.com/frugallife/frugal-finance/insurance/why-is-renters-insurance-good-for-tenants-and-landlords/</link>
		<comments>http://www.frugalpig.com/frugallife/frugal-finance/insurance/why-is-renters-insurance-good-for-tenants-and-landlords/#comments</comments>
		<pubDate>Fri, 19 Jun 2009 15:56:03 +0000</pubDate>
		<dc:creator>Oink</dc:creator>
				<category><![CDATA[insurance]]></category>
		<category><![CDATA[contents insurance]]></category>
		<category><![CDATA[renters insurance]]></category>

		<guid isPermaLink="false">http://www.frugalpig.com/frugallife/?p=111</guid>
		<description><![CDATA[What is Renters Insurance? Many of you are familiar with homeowners insurance, which is coverage that people buy to protect the home they own. You may think that renters, who do not actually own the building or property, do not need any coverage. But I believe that a renters insurance policy is good for both tenants and renters. So why do I, on a frugal living website, believe that it is worth it to pick up another bill? Renters policies are usually pretty cheap. Since they do not actually cover the building or property, these policies do not cost all that much. You may be able to find adequate coverage for $20 a month! Contents Insurance These policies provide home contents insurance. In other words, the personal property of the renter will be covered in case of loss or damage. In some cases, they will even cover that property if it is taken from the home. For instance, a laptop may be taken out on business, but could still be protected against loss, theft, or damage. Relocation Money Policies can provide relocation insurance in case damage forces the tenant to evacuate. An example would be the money to pay for [...]
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