Shopping has always been the best way to land the best deals and is no different for California health insurance quotes. And the easiest way to begin is to inquire from your trusted acquaintances what their experiences with their insurers are.
Doing this helps you avoid being led to just the provider with the catchiest ad but to the company that offers the best price/value. A friend is very likely to tell you if they had a rough experience with an insurer.
The likelihood that you'll buy from the wrong insurer reduces if you get personal experiences from people you can trust. Here are other things that will help you get cheaper California health insurance quotes...
1. Smokers pay health insurance rates that are double or more that of non-smokers. Smokers are more likely to die at a tender age and are also more likely to contract many deadly diseases.
If smoking causes certain health conditions, then it makes a person a high health insurance risk and that attracts higher rates. If you can stop smoking you will attract rates that are dramatically reduced when you reapply after 12 months.
2. You'll take the right steps to cheaper California health insurance quotes if you have the right information. It takes a certain level of knowledge for you to spot opportunities and also know how to take them.
The U.S has many toll free numbers where you can get help on health related matters. One of such numbers is that of the National Health Information Center: 1-800-336-4797
3. Staying loyal to one insurance company for any period will almost always result in savings. Some insurance providers will give you discounts of about 5 percent once you stick to them for over 3 years while others will give you discounts for staying up to five years. The longer the years you've been loyal to an insurer the bigger discounts you will get.
4. Purchase catastrophic health insurance rather than the traditional health insurance plan if you rarely fall ill and you'll get more affordable California health insurance quotes. This kind of health insurance policy is useful for you if you suddenly fall sick or are involved in an accident.
The beauty of this policy is normally appreciated in cases where the illness or accident makes the patient incur very high medical bills that would otherwise destroy most people's life savings. The rate you pay for catastrophic health insurance is really cheap.
Nevertheless, bear in mind that it has deductibles that are as high as $2,000. Be that as it may, you'll be willing to contribute that little if your medical bills total as high as $50,000. This is where this policy really shines.
5. Get and compare California health insurance quotes from five or many more sites. I recommend that you visit at least five quotes sites as that will make it less likely that you'll miss out great offers not carried by the other sites. This offers you a broader basis for doing more extensive comparisons thus increasing your chances of getting more for less.
Here are my favorite quotes sites...
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