Here are ten tips to receiving affordable insurance quotes

General insurance tips:

1. Purchase all of your insurance policies with the same company to qualify for a multiple policy discount.
2. Buy before any major health issues arise. Healthy people have the best mortality risks and thus are much cheaper for companies to insure.
3 Have your current insurance policy with you when requesting your insurance quotes.

For an inexpensive life insurance quote:

1.If you are a smoker, quit for at least 13 months and request that your insurance company consider you for a nonsmoker insurance rate.
2.Consider level premium term insurance.

For an inexpensive health insurance quote:

1. Join a group health insurance plan.
2. Buy a health insurance policy before any major health issues arise. Healthy people are much cheaper for companies to insure as they have the best mortality risks. This translates into lower rates for the “Super Preferred” customer than someone with higher risk factors such as a heart condition, cancer or diabetes. Conversely, if you were unhealthy when you acquired your policy, and your health has now improved, it might be time to shop for a new policy, as your rates are likely to be lower.

For an inexpensive long term insurance quote:

1. Purchase coverage when you are young (premiums are lower).
2. Consider a longer elimination (waiting) period.
3.Check out your payment/billing options and discount offer of the life insurance/health insurance companies to consumers who pay their premiums annually, or who pay monthly by electronic funds transfer (EFT).