California Medical Insurance -- 7 Ways To Bring Down Cost

Do you want cheap rates for the right coverage? Then read through and apply these well-proven steps to paying a lot less...

1. Lose weight and your rates will drop. Your BMI or Body Mass Index is a very useful factor used to calculate your risk to an insurer.

The higher a person's Body Mass Index rating, the more expensive their rates will be. Your weight is too much for your height and sex if your BMI is high. Do your best to shed excess weight as dropping just a few pounds could put you in another BMI rating and result in more affordable premiums.

Insurance Quote

2. It's now clearly understood that smoking causes higher rates. What many might not appreciate is that the same also applies if you use any other form of tobacco product. Chewing or snuffing tobacco, for example will cost you in higher rates.

Therefore, you will help yourself get less expensive rates if you stay away from tobacco use in any form.

3. If you drive recklessly then expect to pay higher California health insurance rates. If you have many charges on rough driving or a history of street racing you'll pay much more. This is because you will make yourself a greater risk to your insurer.

You'll lower your costs if you cultivate a the right attitude behind wheels. Fast muscle cars and super bikes will increase your premium because they make you a bad risk. This is because they are more likely to cause you injuries because they have a higher risk of accidents.

4. Don't let yourself become carried away by the lowest price as you shop for affordable California health insurance. You should be wary of a cheap quote that does not offer you a good value to price ratio. And, shopping extensively is the key to getting the best rate to value. But if you don't see the right value at the cheapest rate, you'll be making the right decision if you pay more to make sure you truly have the type of coverage that you really need.

Cheap Health Insurance

5. If you are the type that is rarely ever ill you'll make substantial savings by choosing catastrophic California health insurance instead. You are given coverage for those ailments or medical needs that may come up suddenly.

You will really love this plan if you ever need to pay huge bills due to sudden ailments or accidents. The name surely does offer a clue of what it protects against. The premium paid for catastrophic California health insurance is really cheap.

What are usually high are the deductibles which can be as much as $2,000. But considering that you are getting coverage from accidents or ailments that would cost tens of thousands of dollars such deductibles are not quite that high -- Relatively.

6. If you plan to save in California health insurance open a Flexible Spending Account. This kind of account is meant for you to put away tax-free dollars mainly for your health needs. Any amount unused could be carried over into the next year (still tax free). You can build a big reserve of funds for your health needs tax-free if you open a Flexible Spending Account.

Affordable Health Insurance

7. You can reduce your rates by staying away from alcoholic beverages. Drinking irresponsibly makes you a bigger liability and so gets you higher rates.

Many ailments are made more likely by taking alcohol.

How much alcohol would have a negative effect on you as an individual? I can't really say as there are people who can drink a bottle and still be okay while some will take just a sip and things start going wrong.

What I'm sure of is that avoiding drinking totally is isn't harmful to anyone. For those who can't stay away completely, endeavor to drink responsibly.

But I am told it's harder to drink in moderation than it is to quit. You can get help if you truly want to quit drinking.
Get Health Insurance Quotes, Compare Plans And Save Much Now!
Get Quick Free NO-Obligation Quotes Now And Save!