5 Ways to Spend Less Money on Insurance

how to spend less moneyAmericans spend a lot of cash every year on insurance of all types, including health, home and auto insurance. However, it is possible to lower these premiums and save. If you’re looking for tips on how to spend less money on insurance, consider the following:

Go for the best insurance deal

There are numerous insurance companies on the market and their costs can vary greatly. Before signing up for a particular company, it is important to compare a variety of rates. Look for an insurance broker who can search multiple companies for the best deal.

Package your policies

The second strategy that can help you spend less money on insurance involves purchasing multiple policies from the same insurer. Having a single insurer could help you save a good amount of money since they often offer clients who have more than one policy with them a discount.

Raise your deductible

Another trick to spend less money on insurance involves raising your deductible. Having higher deductibles will lead to lower premiums because by increasing on the deductibles, you are saying that you will have cash on hand to cover the deductible should you need it in an emergency. The amount of risk you want to assume and how much you can afford to pay in the event of your insurance claim will impact how much your premium will be lowered.

Consider specialists for your insurance

Some insurance companies specialize in particular types of insurance. For example, if you are looking for mobile home insurance, you may want to deal directly with an insurer who handles those types of policies. Companies who specialize in a particular type of insurance coverage have underwriters who will better be able to match you with a policy that meets your exact needs.

Inquire about discounts

Almost every insurance company has discounts you can take advantage of. Some of the available money-saving discounts could include professional, student, financial stability, good credit, non-smoker, renewal and loyalty discounts among many others that will be available if you just ask.

How to Pay Off a Credit Card Quickly Credit card debt can be good and bad at the same time,...
Unexpected car repairs can be a real budget buster. Even if you own a reliable car, there’s always annual maintenance...
Finding a used bike is a great inexpensive and environmentally-friendly alternative to buying a car. Even if you’ll only be...
Budgeting around the holidays can sometimes be a challenge. Maybe you have a long list of people to buy gifts...
For many people, the weekly grocery bill is one area where it’s easy to go over budget. Keep these cheap...
If you or one of your loved ones is headed off to school, you may be searching for a reliable...
A lot of life’s problems start very small and grow so big over time that they become unmanageable. Take your...
If you’re a parent, you want to pass on good values to your children. Few things in life are more...
Summer is here! If you are like most people, you are looking for things to do in summer time. But...
Google+ Twitter Facebook

Northcash is an economic arm of the Fort Belknap Indian Community, a federally-recognized Indian tribe located in Hays, Montana. The Tribe and its businesses have governmental sovereign immunity and have not and are not waiving that immunity for any purpose associated with the consumer lending business of Northcash and therefore Northcash is not subject to suit by you or any third-party for any reason. CAUTION: IF YOU ARE NOT COMFORTABLE DOING BUSINESS WITH A SOVEREIGN INDIAN TRIBE THAT IS NOT SUBJECT TO SUIT, YOU SHOULD IMMEDIATELY DISCONTINUE USING AND ACCESSING THIS SITE. We may from time to time in our sole discretion and without notice to you modify the terms of this Agreement and/or change the rules that govern your use of our Site.

Who is providing this notice?

North Star Finance, LLC d/b/a Northcash, an economic arm of the Fort Belknap Indian Community.

This is an expensive form of borrowing, and it is not intended to be a long-term financial solution. Northcash loans are designed to assist you in meeting your emergency borrowing needs. The Annual Percentage Rate (APR) applied to your loan will vary depending on the pay period with the maximum APR on any Northcash loan being 795%. This is a term installment loan with approximate equal payments, but you have the right to prepay at any time. Any instances of late or non-payment may be subject to additional fees, such as NSF and late fees, as well as collection activities Before borrowing, we ask that you assess your ability to repay the amount you borrow.

You acknowledge that by submitting and completing the loan application that you are applying for a loan. We verify loan applicant information through credit reporting agencies such as Clarity, Factor Trust, and DataX. We may obtain your credit information in order to determine your eligibility and ability to repay.

Northcash does not lend to residents of Arkansas, California, Georgia, Maryland, Minnesota, Montana, New York, Pennsylvania, Virginia and West Virginia, or to members of the military or their dependents.

The availability of online installment loans are subject to change at any time at the sole discretion of Northcash.

OLA Badge