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).

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.

• 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.

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.

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.

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 

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.

Coverage Start Dates

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*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

Having a dental insurance plan in place is very important, because it takes care of things like preventative care – things like cleanings, checkups and x-rays. People often forgo these important routine procedures because they don’t have the time or money, but it really is extremely important that you go in for regular preventive care. Not only will it prevent you from having to have painful and time consuming dental work later, but it will save you tons of money in the long run as well. Most dental procedures can be incredibly expensive. If you have a dental care plan in place to take care of routine costs, you can avoid those extremely high bills later down the line.

The first thing you want to do when searching for a dental insurance policy in Indiana is to start comparing quotes. You can do this on our website at your leisure. It’s totally free, without obligation and very easy to use. Just give us a little bit of info, and you’re on your way to comparing competitive quotes from top insurance providers in Indiana. Compare as many as you like to find the most affordable plans that are right for your individual needs. We’ll be on hand to provide you with answers and support whenever you may need us. We’re just one toll free phone call away at all times.

Dental insurance quotes are easy to work with and can help you choose the perfect plan, based on your budget and specific needs. Why not compare some quotes today and find the perfect dental coverage for you? Agents are standing by, so let’s get started now.

We provide a number of insurance types including major medical/individual insurance plans, family plans, Medicare, life insurance, dental plans, disability insurance, and many others. We work with leading insurance providers in the industry to bring you these policies with affordable monthly premiums.

Our main priority is to keep you, the client, informed about health insurance in Indiana. We’ll work hard to make sure that you’re always in the know so you can make strong decisions based on your own needs, lifestyle and budget. We want to make sure you all the information necessary to choose the policy that is right for you. This includes comparing competitive quotes from top providers. Compare as many policies as you like to get a good idea of what policies can offer you and how much you can save. Cost effective plans are our specialty, so you’ll be totally happy with the affordable coverage you can obtain when you work with us.

Call us today to get started, or send us an email. Our team of experienced agents will be standing by, ready to help you with anything you need. We’re committed to assisting you every step of the way, and ensuring that you get the very best in comprehensive, affordable policies that meet your medical needs in Indiana.