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LA Insurance – A quick and easy way to help you decide on an insurance policy that is right for you. Here, it is easy and free to compare insurance policies from major carriers.

Top ten Tips you must consider when buying insurance.

1. You should buy life insurance when you are young and healthy.

2. Smoking will drastically raise the cost of your life and health insurance premiums.

3. Consider buying Return of Premium instead of regular term life insurance. (You get all your paid premium back once the term is done.)

4. Make sure you don’t let your health insurance lapse.  You may not be eligible if your health is not the same as it was when you originally applied.

5. Lock in a health-insurance policy when you are young. Getting health insurance when you are older is more difficult.

6. Always go with a large, well known company with proven reputation. This is true for all your Insurance needs.

7. When you have a claim, always negotiate. Especially with auto insurance. Auto insurance companies always try to give you the least amount they can.

8. Compare homeowners insurance premiums in the area your considering before purchasing your home. Some homeowner insurance policies can be very expensive pending on location.

9. Be sure your doctor records events accurately.  A misdiagnoses can mean increased health insurance premiums or if your uninsured it can mean un-insurability.

10. Security alarms, certain siding and roofing materials can dramatically lower homeowners insurance premiums.

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