2012 END OF WORLD !!

The reason we compare car insurance quotes

from multiple car insurance companies is to make sure we‘re getting the best rates possible. Of course nobody wants to pay more money than they have to, but in the other hand we also want to make sure that our car insurance company is going to respond quickly and fairly in case of an accident.

What is unknown to many is that there is not one single car insurance company that is cheaper than others. One particular car insurance company can be the cheapest for one person but the most expensive for another. Each car insurance company has a certain category of drivers they want to insure. If you fit their category they will offer you a cheap rate, if you don’t, they will offer you an expensive rate. That is their way of filtering the people they want and do not want to insure. That is the reason we need to compare insurance rates from multiple car insurance companies, to find out which company will offer us the cheapest rate. The key is to find the company that offers the cheapest rate for you, but of course, it is important to compare rates from quality companies only.

There are many quality car insurance companies out there; however, some of those quality companies also have a high price to go along with them. How do we find a quality company for a cheap price? That, my friend, is the key question.

The traditional method of shopping for car insurance is to call around which we all know can be a long process. Another drawback of shopping for car insurance by phone is the probability of getting caught with the old “bait and hook” trick. That is when someone gives you a low quote by phone and hikes it up on you when you go into their office to purchase the car insurance policy.

In today’s world, luckily, we have the internet. The internet makes life a lot easier for all of us. Using the internet, we can shop for many types of things we may need which include shopping for car insurance.

Shopping for car insurance online is the best way to compare rates from multiple car insurance companies. Online, you can also read about a company’s history and make sure they’re a quality company. Most companies offer instant online car insurance quotes thorough their websites which makes obtaining car insurance quotes a lot easier than the traditional method of shopping by phone. Better yet, there are some websites that offer online car insurance quotes from multiple companies with one simple process. You can even purchase your car insurance online if you like the price. One such website is OnlineAutoInsurance.com. There, you can obtain quotes from quality companies such as Progressive, AIG, Infinity, GMAC, Bristol West, and several more. All with one simple process!

by: online car insurance

Other than Life Insurance Corporation

, the public sector life insurer, there are more than 17 other private sector life insurers, and majority of them are joint ventures and mergers between Indian groups and global insurance giants. The only Life Insurer in Public Sector is Life Insurance Corporation in India. Some of the life insurance

in the private sector are Tata AIG Life, HDFC Standard Life, Birla Sun life, SBI Life Insurance, Kotak Mahindra Old Mutual Life Insurance, Aviva Life Insurance, Metlife India Life Insurance.

If one has decided for a life insurance policy, then one has to ponder seriously about the kind of policy that will suit best him or her. One must think about the premium and other benefits including monetary benefits on a serious note. Then one must match requirements with the policies to get the best service. Best life insurance policy enables the individual to choose an insurance policy after deciding to insure his life. After this the next task lies in choosing a life insurance policy that is best. This is quite tough due to the innumerable insurance products and their features. One might have great difficulty in taking a decision as it is a crucial one that involves money, financial stability and death benefits. It helps in making a proper and prudent choice if one evaluates and analyses the insurance companies and their policies on the basis of some criterion. Some of the criterion for choosing a best life insurance policy is to analyze the different categories of insurance plans and understand the different types of life insurance and their subcategories.

It needs proper market research and one has to gather information regarding the popular insurance policies available in the market. Though some policies allow the withdrawals and borrow money, but they are likely to reduce your death benefits in most cases. A person must aim to get the online best insurance since people depend on the surrender value to decide the credibility of an insurance policy, which should not be the prime deciding factor. A common man must aim to get the online best insurance which will help evaluate the risk factors involved.

Everyone is not able to afford the premiums required to acquire the amount of coverage needed. If paying the premiums is a major concern, then it is advisable and better to pick up a term policy for the right face value. People save together their pennies for the first couple of years of a whole life policy only to ultimately find they can no longer afford to pay the bill. During the initial years, they won't even break in the terms of what they received as a return on premium. Surrender values won't equate the premiums till the policy is about 12 to 15 years old. Moving around for the right policy is big brain teaser. Entire life policies are quite confusing and are often sold based on beautiful examples for how much the company intends to pay in dividends over the lifetime of the policy. These examples are only rough estimate and some companies are getting more aggressive than others.

A good insurance agent can help us to analyze the internal rate of return, i.e., the yield on the policy after all the fees and charges are subtracted which is a compromise. A majority of the insurance plans come with a return-of-premium policy, a death benefit to be paid out should you pass away.

If one live past, say, the 30-year term, the person concerned gets all the money back rupee for rupee. So in the event of an unfortunate happening, whether death is covered or outlive the policy then the available money is divided.

by:addi

Remember Hurricane Katrina? In addition to the physical devastation and loss of lives, it resulted in an insurance nightmare for many business owners and homeowners, because their insurance policies did not cover damages caused by hurricanes, tornadoes, etc. As a lawyer, I read a lot of insurance policies. Hurricane Katrina is an extreme example, but it illustrates a scenario I see all the time in my practice: many people do not realize until it is too late that their insurance policies are inadequate or unequipped to shield them from financial losses or other damages.

Almost every adult owns some type of insurance policy. Vehicle, homeowner, medical, directors & officers liability, commercial property, professional liability and travel insurance are but some examples. Other than having a general understanding of the type of coverage we have and the coverage amounts (and, of course, the premium amount), many of us don’t know how to read and understand our policies and grasp how they work in the event that we need to rely on them.

The following is some basic information that will assist you if you are a policy owner or if you are contemplating purchasing insurance.

1. What documents constitute an insurance policy?

Usually, when you take out insurance, your insurance company will provide you with an insurance certificate or “declarations” page. This lists the items insured, and the amounts. The declarations may also refer to certain policy “exclusions.” However, as a policy owner you really should be asking the insurer for a copy of the complete policy, and any policy booklet that they may issue as a companion interpretive guide. In the event that you need to rely on your policy, the Declaration document is not helpful. Furthermore, reviewing the entire policy gives you an opportunity to understand or identify any “gaps” in coverage – i.e. matters that are not covered by your insurance and for which you may want to consider obtaining extra coverage through another insurance company.

2. Do you know what your policy “limits” are, and are they sufficient?

The amount of insurance coverage you obtain is called your insurance limits. If you own a vehicle, you will have purchased liability insurance with limits of $500,000, $1,000,000 or $2,000,000, this means that if someone sues you as a result of a car accident, your insurance policy will respond to that lawsuit to the extent of the limits you have purchased. These limits are sufficient for most people, however, did you know that if you are injured in a car accident and you sue the at-fault driver who only has limits of $500,000, yet your damages far exceed that amount, and then there is a clause in your policy that will allow you to access your own policy for the shortfall? If the liability limits in your motor vehicle insurance policy is $1,000,000, then there may be an extra $500,000 available to you. That is where having an understanding of the importance of the limits of your policy will assist you when you are making the decision to purchase insurance.

It is important to discuss with your broker all of the possible circumstances that may result in you having to access your insurance policy. This discussion will dictate the amount of insurance coverage you ultimately decide to purchase. If you do not purchase insurance with sufficient limits, then, in the case of liability insurance for example, if you are sued for an amount that exceeds the limits of your policy, you will personally be on the hook for the balance – which means that your assets and income may be vulnerable to garnishment. In the case of property insurance, you will have to personally pay for any damages that are not covered by your policy – if these damages are excessive or exorbitant, the financial consequences may be disastrous.

3. What are “Exclusions”?

In my experience, it’s the exclusion clauses that leave policyholders vulnerable and most policyholders do not read them. I draw your attention once again to Hurricane Katrina. Exclusion clauses identify the events or circumstances that will result in there being no coverage under the policy. For example, residential and commercial property insurance policies may contain an exclusion for theft caused when the premises remains unlocked or unoccupied. Do you run a business out of your home? If so, most homeowner’s policies will not cover any damages caused by or a result of commercial activities. Many professional liability policies contain exclusions for damages caused by fraud or dishonest conduct. If you own a large commercial building, your property insurance may contain exclusion for certain types of boiler and furnace mishaps (i.e. those caused by wear and tear, for example). And most travel insurance policies exclude health care coverage for illnesses causally related to pre-existing or prior medical conditions, even where those conditions have been dormant for some time.

The insurance company and broker have a duty to draw all policy exclusions to your attention. Many insurers accomplish this task by sending you a letter at the outset of the policy period, advising you to review the exclusion section of the policy. Some insurers do not do this. Regardless, in order to protect yourself, when you take out your policy, ask the insurer and your broker (if you are dealing with one) to identify all the policy exclusions. The exclusion clauses are often densely worded and convoluted. Therefore, if you do not understand them, you must point advise your insurer and ask for an explanation. If you think one of the exclusions may even potentially affect you in the future, you should speak to your broker about obtaining additional coverage for the excluded item from another insurance company, or, you may ask the insurer if you can purchase an enhanced form of coverage. For example, if you own a lakefront cottage and are worried about the potential for water leakage into the basement, review your policy carefully to ensure that this type of water damage is covered, if it is not covered, you will want to purchase supplemental coverage.

4. Policy Conditions

Policy conditions are pre-requisites to coverage. They are events or conditions that are necessary to keep the insurance in place. Payment of the premium by a certain date is a simple example. Another is maintaining a security alarm as a pre-condition to insurance against losses caused by theft. Other conditions relate to the policyholder’s obligations once a claim arises – that is, the reporting requirements. The reporting requirements dictate when and how you should report a claim to your insurance company. Some policies require that you report the claim in writing and within a certain period of time. In some policies, coverage will be triggered by notifying the insurer by phone – as many of you who have been in car accidents know.

There is almost always a time limit within which you can report a claim. Some insurance policies spell this out explicitly in the policy, others simply say that notice to the insurers must be given after an incident “forthwith” or “immediately.” Regardless of the wording used, if you suspect that you have a claim that may be covered by your policy, you should report it.

Policy conditions should be regarded in the same manner as exclusions, since failure to abide by them will result in a lack of coverage. Therefore, it is important that you have a complete understanding of what they are when you purchase your policy.

5. Insurer’s Obligations When a Claim Arises

Insurers have a duty to deal with you in good faith. When you make a claim under your policy, your insurer has a duty to assist you in processing your claim, to act in your best interests and to not take an unreasonable position on coverage. If the insurer makes a coverage decision that has no basis in the policy, then it may be subject to a complaint to the Financial Services Commission of Ontario, or in a lawsuit it may be vulnerable to a claim for punitive or aggravated damages.

6. The Role of the Broker

I have previously written on this site about the role and obligations of your insurance broker. Having an understanding of how your policy works and your policy exclusions allows you to have a meaningful discussion with your broker about what your insurance needs really are. Some of the additional questions that may arise out of this discussion, and which may result in your decision to purchase additional or enhanced insurance, are listed below.

• Do you own property outside of Ontario or conduct any business activities outside of Ontario?


• Do you conduct any business activities in your own home?


• Are you a voluntary or paid officer or director of a corporation? Are you aware that you may be sued in this capacity and that insurance may be available to protect you in this instance?


• Does your workplace medical-dental policy provide sufficient coverage for all possible health-care contingencies?


• Do you travel regularly outside of Ontario and/or internationally? Are you over the age of 65 and travel regularly?

by:aditi

Often, larger companies are able to offer private health insurance plans

as part of the employment package where they pay all or a large amount of the premium, however the rising cost of health insurance is also affecting employers with many finding it difficult to maintain this company benefit. For many workers , the health insurance benefits a company offers is what attracts them to the job and not the pay packet. Those are the lucky workers as not every employer can afford to offer company provided health care so the only alternative is to try and locate inexpensive health insurance elsewhere.

While many people today are still able to obtain some type of health insurance through their place of employment or privately, many others, the low paid, self-employed and the unemployed simply don't know where to find good quality coverage at a fair price. Whilst a little research is required to make sensible comparisons, carrying out searches for low cost health insurance schemes on the internet has proved very helpful for many as you are able to compare benefits of a large number of providers using online comparison tables. Choosing the right health insurance is something that cannot be rushed if you have a family.

The good news is that people are learning that they have to be more selective and look carefully at every aspect of their potential health insurance plans to obtain the best possible premiums. Many national and local organizations of self-employed workers are now banding together to form cooperatives and combine their buying power to get affordable health insurance premiums through group policies. Before you decide on purchasing health insurance through another method and you are a member of a national or local organization, check with them first to see if they have made health insurance arrangements for their members as it will save you money.

You would be wise though to check the health insurance policy terms and conditions to make sure you fully understand what is covered and especially, what is not. For example, a health insurance company

may define an emergency as anything that is life threatening condition that cannot be reasonably treated by a primary care physician. It may sound like a great deal to check on but your health insurance and the provider you decide to use are very important matters which should be looked at carefully. There is little disagreement that the growing number of people without health insurance is going to cause problems in the future. Worth considering is the statistic that shows that the fatality rate a person who does not have health insurance is twenty five percent higher than that of a person who has a health care plan.

by: Keith Mallinson

Cheap health insurance has become the issue of the moment in South Carolina and across the country. More small businesses are increasingly unable to provide cheap health insurance plans to their employees because of the rising cost and the lack of federal and state legislation that would allow small businesses to purchase cheap medical insurance in pools. In the meantime South Carolina and other states are looking to cut the costs of the Medicare and Medicaid health insurance programs for the elderly and the poor. However, more affordable forms of health insurance plans are available as some private companies are experimenting with a new variation of cheap health insurance known as health discount plans. In the article that follows we'll explain the various aspects of cheap health insurance in South Carolina and how to find a plan that works for you.



Health Care Costs due to Managed Health Care



The current health care system in America is inaccessible to approximately 47 million poor and lower middle class people. In order to address the growing health care insurance crisis in the U.S. that resulted in health care cost growth in the 1970s and 1980s, health maintenance organizations (HMOs) sprung up. These were initially as non-profit groups designed to separate unnecessary tests and treatments from those that the patient required in an effort to keep costs down. Managed care organizations began screening requested procedures by physicians to pre-authorize what the HMO would or would not cover. However, the number of people who are the riskiest to insure-diabetics, cancer, etc.-continues to rise. Many South Carolina managed care industry experts say the cost of cheap health insurance is still high because of the existing pool of insured people who use the health care system more than an average amount.



The other battle that is ongoing in South Carolina involves the health insurance companies and hospitals, the latter which cannot turn anyone away from care by law. However, as the number of South Carolinians who cannot afford cheap health insurance increases, hospital emergency rooms are handling the majority of the load. More people have to turn to hospitals as their primary health care givers given a lack of adequate or non-existant health insurance coverage.



Cheap Health Insurance Plans Through the Workplace



Most cheap medical insurance policies in South Carolina are usually written through group coverage offered at work by your employer through a private South Carolina cheap health insurance company. This is usually the more cost effective way to purchase cheap health insurance now available since a large number of employees allows South Carolina companies to reduce their insurance premiums. Similar to buying in bulk, the more health insurance plans a business can purchase for its employees the less expensive the insurance is per employee. In South Carolina, like the rest of the nation, the number of companies that can provide cheap health insurance for their employees is declining.



Personal Health Insurance Plans



Health insurance plans can be purchased by individuals and families from virtually every insurance provider in South Carolina. Trying to purchase health insurance on an individual basis can be more expensive if the person already has a health problem, known as a pre-existing condition. Many companies will not cover people with pre-existing conditions if they have no continuation of coverage-renewing health insurance coverage after only a prescribed short period of time-picked up from an earlier cheap health insurance policy.



South Carolina Health Insurance Pool



The South Carolina Health Insurance Pool is a state health insurance plan designed to provide coverage for those that either do not have or have lost medical coverage at no fault of their own and are uninsurable. The pool was created by the General Assembly to help people who couldn't get health insurance coverage from any other source, including people with certain disabilities. Blue Cross and Blue Shield of South Carolina currently administers the pool.



Coverage is available to a person who has been a state resident for at least 30 days and meets the following criteria:

• They were turned down for private health insurance coverage for health reasons;


• They were accepted for private health insurance, but have pre-existing illnesses or conditions excluded from coverage, for a period exceeding 12 months;


• They are paying health insurance premiums for comparable coverage which are more than 150 percent of the premium levels charged by the pool;


• In certain situations, other individuals whose last health insurance coverage was an employer based group health plan may be eligible for coverage.

No matter what your age, there are also several federally sponsored programs to help you if can't afford the premiums for individual health insurance, providing you meet their eligibility guidelines.

• Medicare, a health insurance program for people age 65 or older, certain younger people with disabilities, and people with end-stage renal disease.


• Medicaid, a program for the poorest individuals and low-income families with children.


• The Children's Health Insurance Program (CHIP), a plan that provides health care to children whose parents make too much to qualify for Medicaid, but earn too little to afford individual health insurance.

Types of Cheap Health Insurance Coverage



Cheap health insurance plans generally fall into one of two categories: indemnity plans and managed care plans (HMOs, PPOs or POS plans). An indemnity plan allows you to choose your own doctors and pays for your medical expenses totally, in part, or up to a specified amount. Managed care plans generally provide broader coverage within a specified network of health-care providers.



Although you can purchase cheap health insurance plans that cover specific areas of health care (surgical, hospital, physician expense plans) most plans cover varying degrees of health care in a number of different areas. This health insurance coverage, known as major medical insurance

, offers extremely broad coverage with a very high maximum benefit that's designed to protect you against losses from catastrophic illness or injury.



When comparing cheap medical insurance plans, check to see if they provide additional benefits that you may need, including prescription drugs, preventive care, mental health benefits, maternity care, and vision care. A comparison of various health insurance policies and rates through many South Carolina health insurance companies can be obtained at www.insurances.sc.



Cheap Health Insurance Recipient Costs



With most cheap health insurance policies available in South Carolina, the way to control cost is to cut down on the out-of-pocket expenses. Since most health care insurance policies require you to make a co-payment (the amount you pay a health care provider with every visit), anything involving a lot of time spent in the doctor or dentist's office can become expensive. Most also require a deductible (costs you must cover out of your pocket for any major expense before your cheap health insurance policy picks up the remaining costs). You may also have coinsurance, the percentage of cheap medical insurance cost you will still have to pay after you reach your deductibles.



Another thing to consider is COBRA health insurance. This law allows employees who leave a job the ability to stay on that South Carolina company's employee health insurance for up to 18 months although they have to pay the full amount of the coverage. Check the COBRA benefits to see if purchasing a less expensive individual health insurance plan may be in your best interest.



How to Buy Cheap Health Insurance



If you need to purchase individual health insurance, it can be expensive. Unlike group plans, in which the costs and risks associated with health care are spread among many people; individual health policies are "medically underwritten" to take into account your personal health history. Any "pre-existing" condition such as heart disease, diabetes, and even pregnancy, can nix your chances of acceptance or boost your premiums.



To determine the acceptability of a particular applicant, a health insurance underwriter can require information regarding the following:

• The individual's age: Age determines rates and whether coverage will be issued at all.


• The individual's gender: at younger ages, males have a lower rate of illness and injury than females. That changes by age sixty.


• The individual's health history and physical condition: Someone who has had a previous condition that can contribute to a future illness/injury is not considered an ideal risk. In response to a less than ideal medical history, modified coverage may be offered depending on the individual's health, higher than normal premiums may be issued, or the person may be denied coverage altogether.


• The individual's occupation and hobbies: Some occupations such as construction workers have higher insurance rates, along with people who enjoy dangerous activities such as skydiving or bungee jumping. At times certain occupations are considered so hazardous that insurance companies will not cover them at all.

Your first step in getting cheap health insurance coverage is to understand exactly what you need. Think carefully about what coverage you must have. Do you need health insurance for your whole family, or just yourself? Do you want to choose your providers? If you're over 65, do you need insurance to fill the gaps in Medicare? Do you need - and can you afford - long-term disability and/or long term care coverage? Even if you begin by soliciting cheap health insurance quotes you must still know exactly what you want in terms of health insurance coverage so you will be comparing apples to apples when weighing any cheap health insurance premium quote.



After that, contact a South Carolina insurance agent in your area. Ideally, you can start with an independent South Carolina insurance agent who is familiar with the insurance companies that do business in your area. This agent is also not bound to write coverage for any particular health insurance company so he or she can give you an honest appraisal of various health insurance policies.



When you've found the right coverage, you'll give information to your agent to complete the necessary forms. Be honest. It's important to disclose your medical history thoroughly and accurately. Report all of your health problems to your agent. If any of your health information is misstated or incomplete, the company might refuse to pay your claims and could cancel your policy.


by:zack

An individual health insurance

cover, simply stated, is an agreement between you and the insurance firm, aimed at protecting you against any financial constraints on account of a medical emergency. The one pertinent question you need to ask yourself is -what are the factors to be analyzed before deciding on an individual health insurance policy?

It is indeed a fact that medical and preventive sciences have made rapid advancements in today's world. Nonetheless, it would be prudent to arm yourself with the best individual health insurance cover to protect yourself against any unforeseen illness. Indeed, America's best health insurance companies are vying with one another in putting together some of the most imaginative individual health insurance policies designed to overcome any medical contingency. If you are unemployed, or self-employed, an individual health insurance policy is the right choice.

Consult with your insurance company if you can have your individual health insurance policy incorporated in its group policy. You may be paying a higher rate but the terms would be more advantageous than if you had to buy your own individual health insurance policy. If you are married, find out if your spouse's employer is willing to include you in its group policy. If you are left with no option, then it is wise to buy an individual health insurance policy. Even though the insurance cover may be limited and the rates high, you would still be ensuring protection for yourself or your family against financial problems if you are suddenly confronted with a serious illness or medical emergency. Search for a good health insurance professional to help you with the best individual health insurance policy that offers you good value for money.

You have plenty of choices while selecting individual health insurance plans

- The PPO Plan or the Preferred Provider Organization, the HMO Plan or the Health Maintenance Organization, the HDHP or the High Deductible Health Insurance and HAS or the Health Savings Accounts Qualified High Deductible Plan.

When considering individual health insurance plans a worthwhile option may be a health savings account plan which has few unique benefits. With individual health insurance plans, you can trade lower deductible health insurance for a plan that has a higher deductible. This will help you save money each month by lowering your premium. Besides the lower cost, higher deductible health savings account plan also has the added benefit of a tax favored savings account. Yet another interesting aspect of these individual health insurance plans is that the money you save rolls over year after year.

Even if you are already covered by your employer's insurance scheme, you may still need to get additional coverage through an individual health insurance plan. This becomes necessary because employer-sponsored programs often fall short of individual needs. Extensive coverage for self and family can be achieved through a separate individual health insurance plan.

Individual health insurance plans are of two types: - Indemnity plans - Managed care plans. Indemnity plans are costlier but best suited for those who have particular health issues and need to be treated by specific doctors. Managed care plans cost less because you will be visiting a doctor or a hospital that is provided under the plan. If the treatment requires you to visit a specialist, you will need special permission from the insurance service provider. This plan is best suited for individuals without specific health problems, and wanting to pay less.


by:charles peter

Staying on top of your bills is complicated these days. Used to be that all bills came via mail and all you had to do was file them and then, depending on your system, pay them at a certain day each month. All payments were done by check and everything worked fairly reliably. Things were simpler in the past, too, because banks, credit card companies and other assorted entities hadn't started assessing the ever-escalating avalanche of fees and penalties and surcharges we're saddled with today. As a result, there really was no need to check up on the phone and utility bills or get frequent home or auto insurance quotes just to see if what they charged you was fair.

Overall, what's been happening is that some costs have gone up a lot whereas others stayed the same or have even gone down. For example, even though I use my phone hardly more than I did 20 years ago, my cell phone bill is hugely higher than my old phone bills were, thanks to the cell phone companies' skills at charging extra for every little thing. Same for my TV bill. Although I probably watch less TV than in the past, somehow the satellite company managed to make it so that I can only get the few channels I really want by subscribing for packages with about 500 channels I never watch. The utility bills also have an ever-increasing number of surcharges and extra fees and additional taxes, but haven't actually gone up all that much, which is surprising given the rising cost of energy.

Insurance is another area where it's hard to figure out what we're actually paying for. Health insurance costs have escalated obscenely and are now a crushing load for many. Where else can you find an industry that routinely increases premiums by 20 or 30% a year even during a recession? Home insurance is also an issue as most homes have declined in value, but premiums seem higher anyway. Then there's auto insurance, another mandatory expense. If you drive you must have insurance, and so most of us have to deal with that as well.

I must say that personally I have always had good luck in that area. Maybe that's because I have been with the same agent for a long time and they've been very good at giving me the best rates, or maybe it's because of my good driving record, or because they consider me a low risk. I am counting my blessings here because most people aren't that lucky, and a lot of my friends are paying through the nose for car insurance. There really isn't such a thing as cheap car insurance anymore, but you can still get good deals that are fair to all involved.

Unless you're okay with throwing money out the window, doing an auto insurance comparison and get auto insurance quotes about once a year is a good thing to do. There's not even a need to call up a broker for that. Just use one of the auto insurance comparison websites to see where you stand. You may find that you can save a bundle by signing up with someone else, or you may find what you currently pay is fair. Either way, it's good to know where you stand.


by: Chris Robertson