You can get cheap California health insurance rates if you do a number of things. We'll consider several factors in this article. I'll also give you practical steps to take if you want to save a bundle...
1. It's now clearly known that smoking attract higher California health insurance rates. What many might not appreciate is that this is also true if you use any other type of tobacco product. Chewing or snuffing tobacco, for instance will cost you in higher health insurance rate.
So for your health and lower rates, stop using any tobacco product.
2. An outstanding credit rating will reflect in your favor with respect to your California health insurance rate. A bad credit history will attract higher health insurance rates. For some insurance carriers it is a pattern they believe you might repeat with them in premium defaults. This translates to more danger to them and higher premiums for you.
3. Staying loyal to one insurer for any considerable length of time will actually lead to savings. A number of insurers will give you discounts of about 5% once you stay with them for over three years while others will give you discounts for staying up to 5 years. Staying longer will attract bigger discounts. However, you may save more if you switch.
4. Your co-pay can be more than your drug cost in a number of situations. Sometimes, it's cheaper for you to get a prescription without using your health insurance. Use the option that gives you better savings.
Do you best to find out the difference before you use your insurance.
5. While shopping for low cost health insurance make sure that you don't become carried away by just the cheapest California health insurance rate. You don't want a very low quote that does not offer you the desired value. And, doing extensive shopping is crucial to getting the best price/value. But be prepared to pay slightly more if need be to get the right health insurance coverage for you.
Take note of this because a number of low rates are so because they have much value to offer you. Such cheap health insurance quotes won't be a wise choice due to the fact that you're not getting the right coverage for you.
Finally, make sure you get and compare health insurance quotes from not less than five reputable quotes sites. I recommend that you use at least five quotes sites since that will make it less likely that you'll miss out offers not given by the other sites. This offers you a broader basis for doing better comparisons thus increasing your chances of realizing more savings.
Here are my favorite quotes sites...
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