5 Ways to Lower Auto Insurance Premiums

1.  Buy Your Auto and Homeowners Insurance with the Same Carrier

Many insurers will give you a break if you buy two or more types of insurance like auto and homeowners.  You may save money if you insure all your vehicles, including trailers and recreational vehicles, on a single policy. You may also get a reduction if you have more than one vehicle insured with the same company.

2. Pause before paying extra for roadside assistance. It might be good to line up a roadside assistance plan elsewhere because a tow could increase your auto insurance premium and might even affect your eligibility for coverage.  

3. Consider Raising Your Deductibles
When selecting car insurance, you can typically choose a deductible, or the amount of money you would have to lay out before insurance picks up the tab in the event of an accident, theft or other type of damage to the vehicle. Depending on the policy, deductibles typically range from $250 to $1,000. The catch is that, generally speaking, the lower the deductible, the higher the annual premium. Conversely, the higher the deductible is, the lower the premium.  

4. Improve Your Credit Rating
A driver’s record is obviously a big factor in determining auto insurance costs. After all, it makes sense that a driver who has been in lots of accidents could cost the insurance company lots of money. However, folks are sometimes surprised to find that insurance companies may also consider credit ratings when determining insurance premiums.

5. Keep A Clean Record
It should go without saying that the more accidents or moving violations an individual has, the more he or she will tend to pay in terms of annual premiums. For those unaware, points are typically assessed to a driver for moving violations. Generally speaking, more points can lead to higher insurance premiums (all else being equal).

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New Year New Insurance Quotes

Real Quotes for Real Life

All our quotes were based on a 25-year-old woman named Ima Insure. She’s a non-smoker in good health, and she owns her own home. She also owns a 2008 Camry and has a good driving record. Ima’s name may be made up, but her stats are as real as it gets.

Auto Insurance – Now it’s time for Ima to shop for coverage on her Camry. At one big-name auto insurer, she would pay $126 per month. But our independent agent found five policies for less than that, starting at $100 per month. We checked another online insurance company that claims to save its customers an average of about $500. But their insurance would have cost Ima nearly $300 more per year.

Homeowner’s Insurance – Quotes for homeowner’s insurance were closer, with only about $45 difference between the larger firm’s price and the lowest price our broker provided in an apples-to-apples comparison. But our broker also gave Ima quotes for three other policies with higher premiums she could check out.

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4 levels of Health Insurance

Here are some tips to consider when choosing a health insurance level:  Insurance carriers do not have to offer all of the level plans.

• If you expect a lot of doctor visits or need regular prescriptions: You may want a Gold plan or Platinum plan. These plans generally have higher monthly premiums but pay more of your costs when you need care.
• If you don’t expect to use regular medical services and don’t take regular prescriptions: You may want a Silver, Bronze, or Catastrophic plan. These plans cost you less per month, but pay less of your costs when you need care. You must meet eligibility requirements to purchase a Catastrophic plan.
• If you qualify for savings on out-of-pocket costs: Most people will need to enroll in a Silver plan if you want to take advantage of these savings. If you qualify for “cost-sharing reductions” based on your income, you can have a lower deductible and pay lower out-of-pocket costs when you get care – but only if you enroll in a Silver plan.
• If you’re under 30 or have a hardship exemption and want low monthly premiums: You may want to choose a Catastrophic plan designed to protect you from worst-case scenarios, like serious accidents or diseases. These plans generally have the lowest premiums, but pay the lowest share of health costs.

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2016 OEP

Do you still need health insurance?

Important dates for 2016 enrollment

  • January 1, 2016: 2016 coverage starts for those who enrolled or changed plans by December 17.
  • January 15, 2016: Last day to enroll in or change plans for new coverage to start February 1, 2016
  • January 31, 2016:2016 Open Enrollment ends. Enrollments or changes between January 16 and January 31 take effect March 1, 2016.If you don’t enroll in a 2016 health insurance plan by January 31, 2016, you can’t enroll in a health insurance plan for 2016 unless you qualify for a Special Enrollment Period.We help you with companies like AM Better, Anthem, IU Health, PHP, and United Healthcare.  Please contact us and we will be happy to help you with the Tax Subsidy.
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International Health Insurance

Traveling or living abroad can be an exciting experience.  But anything can happen.  So you can get the most of your global experience, when the Unexpected occurs, IMG is there for you.  For more than 20 years, we have been providing the Solution for international insurance needs.  It’s our specialty.

A U.S. citizen traveling on a month-long European getaway. While visiting Italy, the traveler becomes ill with abdominal pains.  After several doctor visits, it’s determined the traveler has appendicitis and requires emergency surgery. IMG’s short-term Patriot products offer benefits that protect U.S. and non-U.S. citizens away from home and ease the stress of unfamilar medical systems.
A business executive who maintains multiple countries of residency, needs a full range of benefits that travel with him. While arriving to his business meeting in Prague, the executive realizes that several travel documents and his passport were misplaced somewhere along the way. Among a variety of services offered, IMG’s Global Concierge and Assistance Services and Emergency Travel Assistance assists in reporting and the retrieval of lost travel documents.
A missionary group heads to India for 12 months of mission work. While building a church, several members of the group need to return home to raise the support to continue the work they set out to accomplish. IMG provides several Mission specific plans which provide the valuable furlough and deputation benefits a missionary needs.
An expatriate living in Asia with his wife and three children. After living abroad for several years,  his one-year-old, otherwise healthy, daughter suddenly becomes violently ill.  It is determined she has a brain tumor and needs surgery, but the surrounding medical facilities aren’t properly equipped to perform the surgery. Emergency Medical Evacuation benefits under IMG’s Global Medical Insurance provide access to care when an insured needs it most.  During the emergency, IMG will coordinate the evacuation and continue to monitor the treatment once at the receiving hospital
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Would you leave home for an International trip without health insurance? 

Are you travelling on a Short Term Missions Trip, Work or Vacation?

Most health insurance policies do not provide coverage for you when leave the USA. 

At an affordable price, International Medical Insurance covers:

Individual Expenses


  • Emergency Room Accident
  • Emergency Room Illness
  • Hospital Room and Board
  • Prescription Drugs
  • Local Ambulance


Trip expenses


  • Emergency Evacuation
  • Emergency Reunion
  • Return of Mortal Remains
  • Return of Minor Children


For more information click International Medical Coverage 

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Do You Qualify for A Subsidy of Health Insurance Premiums?

Use the table below to see if you will qualify for a subsidy to help pay your health insurance premiums.

2013 Federal Poverty Guidelines

48 Contiguous States and DC

Note: The 100% column shows the federal poverty level for each family size, and the percentage columns that follow represent income levels that are commonly used as guidelines for health programs.

 Household Size































































 For each additional person, add







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New Start Dates For Health Insurance

Use the table below to find out when your coverage will start. You can make changes as long as your plans coverage hasn’t started – but any changes you make may change your coverage start date. For example, if you want your coverage to start on March 1, 2014, you should confirm your plan(s) by February 15, 2014. The earliest your coverage could start if you make changes after that date is April 1, 2014.


Coverage Start Dates

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If you confirm your plan(s) between these dates:

Your coverage start date will be*:

Oct 01, 2013 – Dec 24, 2013 Jan 01, 2014
Dec 25, 2013 – Jan 15, 2014 Feb 01, 2014
Jan 16, 2014 – Feb 15, 2014 Mar 01, 2014
Feb 16, 2014 – Mar 15, 2014 Apr 01, 2014
Mar 16, 2014 – Mar 31, 2014 May 01, 2014

*To activate your new health coverage, you must pay your first months premium by your plans due date. Your plan will contact you in the next few days on how to pay, or you may visit your plan online to make your payment if your plan accepts online payment

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Searching for Affordable Health Insurance Indiana

It seems as if everyone is searching for affordable health insurance Indiana residents can find comprehensive. The economy is bad and saving money has taken on a whole new meaning.  It is important to save money but even more important to find health insurance that is comprehensive. Saving money by cutting back on services really is not the answer.

The goal should be to find affordable health insurance Indiana residents are eligible for that provides great coverage. It can be a challenge to find affordable health insurance in any area, but there is a website that is up to the challenge. is a Fighting Force

We are an excellent source to have in your corner when you are trying to find affordable health insurance Indiana residents are eligible for.  We specialize in providing Indiana residents with great health insurance options that make finding affordable health insurance a reality for many folks. is not an insurance company and we are not locked into any one insurance company, this frees us up to provide you with great health insurance options.  We are a website made up of your neighbors, insurance brokers that live and work throughout Indiana.  We have a personal stake in making sure that you are happy with your health insurance.

Most nationwide brokers do not have the understanding of Indiana laws and regulations for insurance that has. You benefit from this knowledge and will save money because of it. We know what the regulations for health insurance rates are and will make sure that you are getting the best rate available to you.

Free Quotes

Finding affordable health insurance Indiana residents are eligible for starts with free health insurance quotes from These quotes will give you a synopsis of what each policy has to offer and how much the premium will cost.  You can compare quotes to see which policy is the most affordable for you and provides the best value.

Great Service

We not only provides great search services but we also provide great support once you decide on a policy.  You can have help with enrollment, claims assistance and renewal options. stands by the health insurance that we provide.

Personal service and affordable health insurance Indiana residents are eligible for are the perfect combination only available at

Find your affordable health insurance Indiana residents are eligible for at today!

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Aetna Health Insurance Indiana

Aetna health insurance Indiana residents can be approved for are some of the best policies in Indiana. Aetna is certainly not new to the insurance game.  This company was founded in 1853 and has been growing and going strong ever since.  Indiana residents are able to take advantage of all the great health insurance products that are available through Aetna.

Aetna has a full range of health insurance products that can fit every need.  In Indiana you will find the following products offered by Aetna to help you meet your health insurance needs:

  • HMO Open Access
  • Aetna Dental Plus
  • Medicare Supplement
  • Aetna Advantage for Individuals
  • Individual Medical
  • Aetna Student Health

Aetna health insurance Indiana residents can be approved for can be found at

A Word about

Aetna health insurance Indiana residents can be approved for through is simply a great health insurance choice. We offer products from Aetna that can meet all of your health insurance needs regardless which stage in your life you are at.

It is no surprise to anyone that has used that they offer Aetna health insurance products, because only offers the best health insurance products from the best companies. has earned a reputation as being the industry leader in providing Indiana residents with a host of options when it comes to their health insurance. is backed by all the best local health insurance brokers in Indiana so they are not tied to any one insurance carrier. They are proud of their relationship with Aetna but are also proud of their relationship with all the other top carriers. is there for you, the customer and we do everything possible to insure that you get the best value from your health insurance policy. We are experts on which Aetna health insurance Indiana residents can be approved for and they know how to get your rates where you need them to be. and Aetna health insurance Indiana residents are eligible for is a winning combination.

Free Quotes

You can go to today and walk away with a free no obligation quote to point you in the right direction when it comes to finding Aetna health insurance Indiana residents are eligible for.  This is a no stress no hassle way of checking out what is being offered, in an environment that you can trust.

Go to today for your free no obligation quote for Aetna health insurance Indiana residents can be approved for!

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Why Work With Us

At Acceptable Answers we help you find Indiana insurance plans at a price you can afford. Our insurance agents try to help you find the best plan for you, which fit all your needs at your budget. We don’t try to push a plan on you and our goal is to help you find a plan you want. Our insurance agents are friendly, here to help and are with you every step of the way.

Our Carriers

We work with some of the top insurance providers in Indiana to bring you the best plans that fit your budget and needs. You request quotes from us, we search these insurance companies for you to present you with the plans. We work with:

How We Can Help You Save

With our free quote engine you get instant access to affordable Indiana health insurance plans. You can shop and compare insurance plans side-by-side, wherever you want, whenever you want. We do the searching for you, and you get the results.