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Dec 06 2021

5 Insurance Mistakes Job Seekers Should Avoid

If you’re looking for work, going back to school or preparing to strike out on your own, avoiding these common insurance mistakes will help you save money and maintain a solid financial safety net.

  • Mistake #1:  Reducing Your Home and Auto Insurance Coverage Levels
    While reducing your coverage levels may save you money in the short run, this may be the worst time to take on more financial risk. Consider increasing your home and auto deductibles as an alternative. You’ll save  money on your rates, but the risk of financial ruin may be far less.
  • Mistake #2: Ignoring Alternatives to COBRA
    Maintaining health coverage via your former employer is not your only  option. If you’re in good health, individual health insurance—also called  “major medical” or “high-deductible” insurance—could cost considerably less overall.
  • Mistake #3: Not  Comparing Rates from Multiple Insurers
    With every type of insurance, different insurance companies are going to look at you differently. All companies use different underwriting criteria to determine rates, and if you don’t call AMS Insurance you’ll never know if you could be paying less.
  • Mistake #4: Neglecting to Tell Your Auto Insurance Company Your   Commute Has changed
    If your employment situation has changed, talk to your current insurer and      review the annual mileage you’re currently being rated for. If your new annual mileage is lower, you should save some money.
  • Mistake #5: Not Buying Term Life Insurance as Soon as Possible
    Extra expense may be the last thing you need at this point; failing to address your life insurance needs could make a bad situation even worse if you were to pass away. Talk to AMS and let us put your mind at ease.

Originally posted 2012-09-05 23:20:45.

Written by Makeli Scholer · Categorized: Blog

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