Author: Captain of the Ship

A Comprehensive Guide to Car Insurance for New Drivers

Embarking on the journey of becoming a licensed driver is an exciting milestone, but it also comes with the responsibility of securing the right car insurance. For new drivers, understanding the nuances of auto insurance is crucial to ensure protection on the road. In this guide, we’ll walk you through the essential steps and considerations when navigating the world of car insurance as a new driver.

Know Your Coverage Needs: Tailoring to Your Situation

As a new driver, understanding your coverage needs is the first step. While state minimum requirements vary, consider additional coverage to protect yourself and your vehicle. Liability coverage is essential, covering injuries and damages to others in an accident where you are at fault.

Understand Different Coverage Types: Beyond the Basics

Explore various coverage types to build a comprehensive insurance plan:

  • Collision Coverage: Covers damages to your car in case of a collision.
  • Comprehensive Coverage: Protects against non-collision incidents like theft, vandalism, or natural disasters.
  • Uninsured/Underinsured Motorist Coverage: Ensures protection if you’re in an accident with a driver who has insufficient or no insurance.

Consider Your Vehicle: Impact on Premiums

The type of vehicle you drive influences insurance premiums. Generally, newer or more expensive cars may have higher insurance costs. Be mindful of this when selecting a vehicle and factor it into your overall budget.

Shop Around: Comparing Quotes for Savings

Don’t settle for the first insurance quote you receive. Shop around and compare quotes from different providers. Each insurer may offer unique discounts and coverage options. Online comparison tools make this process easier for new drivers.

Take Advantage of Discounts: Lowering Premiums

New drivers can often qualify for discounts that help lower insurance premiums. Some common discounts include:

  • Good Student Discount: For maintaining a high GPA.
  • Defensive Driving Course Discount: Completion of a defensive driving course may lead to reduced premiums.
  • Multi-Policy Discount: Bundling auto insurance with other policies, such as renters or homeowners insurance.

Set a Realistic Deductible: Balancing Costs

Choosing a deductible involves finding the right balance between upfront costs and potential out-of-pocket expenses in case of a claim. A higher deductible typically results in lower premiums but may mean paying more in the event of an accident.

Monitor Your Driving Record: Safe Driving Pays Off

Maintaining a clean driving record is crucial for keeping insurance costs in check. Safe driving not only reduces the risk of accidents but also positions you for better rates over time.

Consider Telematics Programs: Personalized Discounts

Some insurers offer telematics programs that use technology to monitor your driving habits. Safe driving habits tracked through these programs can result in personalized discounts, especially beneficial for new drivers looking to establish a positive driving record.

Safeguarding Your Journey

Navigating the roads as a new driver is an adventure filled with excitement and responsibility. By understanding the ins and outs of car insurance, tailoring coverage to your needs, and taking advantage of available discounts, you’re on the path to securing the protection you need. Remember, your car insurance is more than a legal requirement—it’s a vital safety net that ensures you can enjoy the freedom of the open road with confidence. Safe travels!

What Kind of Auto Insurance Coverage Should I Have?

The open road is full of uncertainties, and having the right auto insurance coverage is crucial for protecting yourself, your passengers, and your vehicle. With a myriad of coverage options available, it’s essential to tailor your policy to meet your specific needs. In this guide, we’ll explore the key types of auto insurance coverage to help you make informed decisions on what suits your driving lifestyle.

Liability Coverage: Safeguarding Others on the Road

Liability coverage is the foundation of any auto insurance policy. It consists of two components:

  • Bodily Injury Liability: Covers medical expenses, legal fees, and damages related to injuries or death caused to others in an accident where you are at fault.
  • Property Damage Liability: Covers the cost of repairing or replacing other people’s property (such as vehicles, fences, or structures) if you’re responsible for the damage.

Collision Coverage: Repairing Your Vehicle

Collision coverage steps in to cover the costs of repairing or replacing your vehicle after a collision, regardless of who is at fault. This coverage is especially valuable if you have a newer or more expensive car, providing financial protection for damages incurred during accidents.

Comprehensive Coverage: Protection Beyond Collisions

Comprehensive coverage protects your vehicle from non-collision-related incidents, including:

  • Theft: If your car is stolen.
  • Vandalism: Coverage for damages caused by intentional acts of vandalism.
  • Natural Disasters: Protection against damages caused by events like floods, earthquakes, or storms.
  • Animal Collisions: Covers damages from hitting an animal, such as a deer.

Uninsured/Underinsured Motorist Coverage: Filling the Coverage Gap

Not all drivers on the road have adequate insurance coverage. Uninsured/underinsured motorist coverage steps in if you’re involved in an accident with a driver who either has no insurance or insufficient coverage. It can cover medical expenses, lost wages, and property damage.

Medical Payments Coverage: Personal Injury Protection

Medical payments coverage, or personal injury protection (PIP), helps cover medical expenses for you and your passengers, regardless of who is at fault in an accident. It can include costs like hospital bills, rehabilitation, and even funeral expenses.

Gap Insurance: Protecting Your Investment

If you’re financing or leasing a car, gap insurance can be crucial. It covers the difference (or gap) between the current market value of your vehicle and the amount you owe on your loan or lease in the event your car is declared a total loss.

Rental Reimbursement and Towing Coverage: Roadside Assistance

While not essential, rental reimbursement and towing coverage can add convenience to your policy. Rental reimbursement helps cover the cost of a rental car if your vehicle is in the shop for covered repairs. Towing coverage provides assistance if your car breaks down and needs towing to a repair facility.

Crafting Your Shield on the Road

Selecting the right auto insurance coverage is akin to crafting a shield that protects you from the uncertainties of the road. By understanding the various coverage options and tailoring your policy to your needs, you ensure that you’re well-prepared for the unexpected twists and turns that can occur on your journey. Consult with your insurance provider to assess your specific needs and create a coverage plan that offers peace of mind every time you hit the road. Safe travels!

 8 Things Every Fur Parent Should Know About Pet Health Insurance

Welcoming a furry friend into your home brings immeasurable joy, but it also comes with responsibilities, including safeguarding their health. Pet insurance is a valuable tool that can provide financial peace of mind while ensuring your pet receives the care they need. Your pet deserves the best pet insurance coverage. In this guide, we’ll explore eight key things you should know about pet insurance to make informed decisions for your beloved four-legged companion.

1. Comprehensive Coverage: Beyond the Basics

Pet insurance goes beyond routine veterinary care. While coverage varies among providers, many plans include protection for accidents, illnesses, and even hereditary conditions. Some policies also offer options for wellness and preventive care, covering routine check-ups, vaccinations, and dental care.

2. Diverse Policy Options: Tailoring to Your Pet’s Needs

Pet insurance providers typically offer a range of policy options to accommodate different budgets and needs. From basic coverage for accidents to comprehensive plans that include preventive care, you can tailor the policy to suit your pet’s specific requirements and your financial considerations.

3. Exclusions and Waiting Periods: Understanding Limitations

It’s crucial to be aware of policy exclusions and waiting periods. Most pet insurance plans have waiting periods before coverage kicks in, and they may exclude pre-existing conditions. Carefully review these terms to understand when your coverage begins and any conditions that might not be covered.

4. Reimbursement Models: Knowing Your Financial Responsibility

Pet insurance operates on a reimbursement model. After paying the veterinary bill upfront, you submit a claim to the insurance provider for reimbursement. Understanding the reimbursement percentage (typically ranging from 70% to 90%) helps you gauge your financial responsibility for covered expenses.

5. Deductibles and Premiums: Balancing Costs

Pet insurance plans often come with deductibles and premiums. The deductible is the amount you pay out of pocket before the insurance coverage begins. Balancing deductibles and premiums allows you to find a cost structure that aligns with your budget while ensuring adequate coverage for your pet’s needs.

6. Age and Breed Considerations: Factors Affecting Premiums

The age and breed of your pet can influence insurance premiums. Generally, premiums may be lower for younger pets, while some breeds prone to specific health issues might have higher premiums. It’s essential to consider these factors when selecting a policy and anticipate potential future costs.

7. Freedom of Choice: Visiting Any Veterinarian

Unlike some human health insurance plans, pet insurance typically allows you the freedom to choose any licensed veterinarian. This flexibility ensures that you can continue working with a trusted vet without restrictions, maintaining continuity of care for your pet.

8. Emergency and Specialist Care: Coverage for Special Situations

Pet insurance often covers emergency and specialist care, including visits to veterinary specialists, diagnostic tests, and even surgeries. Having coverage for unexpected and specialized treatments ensures that you can provide the best possible care for your pet in challenging situations.

Protecting Your Precious Pet

Investing in pet insurance is a proactive step toward ensuring the well-being of your furry family member. By understanding the nuances of coverage, reimbursement, and policy options, you can make informed decisions that align with your pet’s health needs and your financial considerations. Ultimately, pet insurance is a paw-sitive investment in the health and happiness of your beloved companion, offering the peace of mind that comes with knowing you’re prepared for whatever health journey your pet may embark upon.

 

Understanding SR-22 Insurance

Whether due to a traffic violation, DUI conviction, or lapse in coverage, the road to reinstating your driving privileges may lead you to a unique insurance requirement: SR-22. This document, while not insurance itself, is a vital component for individuals seeking to fulfill state-mandated insurance obligations. In this guide, we’ll explore the ins and outs of SR-22 insurance, shedding light on its purpose, how to obtain it, and what it means for your driving record.

Unraveling the SR-22 Mystery: Not Insurance, but a Certificate

Contrary to common belief, SR-22 is not an insurance policy; rather, it’s a certificate filed by your insurance provider with the state. It serves as proof that you meet the minimum liability insurance requirements mandated by your state, and it’s often required for individuals with high-risk driving behaviors.

When is SR-22 Necessary? Understanding Triggers

Several situations may prompt the need for an SR-22 filing:

  • Traffic Violations: Serious traffic offenses, such as reckless driving or driving without insurance, may lead to an SR-22 requirement.
  • DUI or DWI Convictions: Individuals convicted of driving under the influence or while intoxicated often face SR-22 obligations.
  • License Suspensions: If your license is suspended or revoked, the reinstatement process may involve filing an SR-22.

Obtaining SR-22: A Collaboration with Your Insurer

To obtain SR-22, you’ll need to work closely with your insurance provider. Not all insurers offer SR-22 filings, so it’s crucial to communicate your specific needs when purchasing or modifying your policy. Your insurer will then file the certificate with the state on your behalf.

SR-22 Variations: Types of Certificates

There are three main types of SR-22 certificates, each serving a distinct purpose:

  • Operator’s Certificate: Also known as non-owner SR-22, it covers individuals who don’t own a vehicle but still need liability coverage.
  • Owner’s Certificate: For those who own and drive their vehicles, this certificate provides liability coverage for the owned vehicle.
  • Operator-Owner Certificate: This comprehensive certificate combines both the operator’s and owner’s coverage, providing liability protection for any vehicle the individual drives.

SR-22 Duration: Meeting State Requirements

The duration of SR-22 filing varies by state and the nature of the violation. Typically, individuals must maintain continuous coverage for a specified period, such as three years. Failing to uphold the insurance coverage for the mandated duration can result in consequences, including license suspension.

Cost Implications: Budgeting for SR-22 Insurance

While the cost of SR-22 filing itself is relatively low (usually around $15 to $25), the impact on your insurance premiums can be significant. High-risk behavior leading to an SR-22 requirement often labels you as a “high-risk” driver, translating into higher insurance rates.

SR-22 and Moving Forward: Rebuilding Your Record

While SR-22 may feel like a roadblock, it serves a crucial purpose in helping high-risk individuals regain their driving privileges. By maintaining continuous insurance coverage and adhering to traffic laws, you can work towards rebuilding your driving record and potentially lower your insurance rates over time.

SR-22 as a Stepping Stone

While SR-22 may be an unexpected detour on your driving journey, it’s essential to view it as a stepping stone towards rebuilding trust with the authorities and insurance providers. Understanding its purpose, meeting state requirements, and embracing responsible driving habits are crucial components of navigating the road to recovery. SR-22 may be a requirement, but with perseverance and a commitment to safe driving, it can be a temporary chapter in your driving history. Safe travels on the road to reinstatement!

How Often Should You Shop for Car Insurance?

The road of life is unpredictable, much like the twists and turns of your car insurance rates.The car insurance market is constantly changing and your needs are likely changing as well. While securing a reliable and affordable auto insurance policy is crucial, the question of how often you should reassess your coverage can be a bit perplexing. In this guide, we’ll embark on a journey through the insurance landscape to decipher the optimal frequency for shopping for auto insurance, ensuring you navigate the roads of savings with confidence.

1. Annual Policy Renewal: A Natural Crossroads

For many drivers, an annual policy renewal marks a natural crossroads to reassess their auto insurance. As policies typically run for a year, this timeframe allows you to reflect on any changes in your circumstances, driving habits, or the overall insurance market. It’s a prudent practice to review your coverage and rates around the time of renewal to ensure they align with your current needs. Policy renewal time is a good time to check with your current carrier to ensure your coverage is still appropriate to your needs and that you are taking advantage of all applicable discounts. It is also the right time to get competitive quotes from other carriers.  Car insurance is regulated by your state and there is no advantage to overpaying for identical coverage.

2. Significant Life Changes: A Cue for Evaluation

Life is a dynamic journey, filled with twists, turns, and significant milestones. Whenever you experience a major life change, such as getting married, moving to a new location, or adding a teen driver to your policy, it’s a signal to reassess your auto insurance. Life events can impact your risk profile, and adjusting your coverage accordingly can lead to potential savings.

3. Changes in Driving Habits: A Roadmap to Adjustments

As life progresses, so do our driving habits. If you find yourself driving less due to remote work, retirement, or changes in commute patterns, it may be worthwhile to revisit your auto insurance. Some insurers offer discounts for low mileage, so aligning your coverage with your current driving habits can lead to more favorable rates.

4. Market Fluctuations: Riding the Waves of Competition

The insurance market is dynamic, with rates influenced by various factors such as competition, economic conditions, and industry trends. Periodically checking the market landscape and obtaining quotes from different insurers can help you identify opportunities for cost savings. Consider shopping for auto insurance every year to stay abreast of changes in the competitive landscape.

5. Technological Advancements: Embracing Telematics

The advent of telematics and usage-based insurance programs has introduced a new dimension to auto insurance. If you have adopted telematics devices or smartphone apps to monitor your driving behavior, regular assessments of your data can lead to personalized discounts. Embrace the benefits of technology to tailor your coverage and potentially reduce your premiums.

6. Financial Considerations: Balancing Coverage and Costs

Economic conditions and personal financial situations can influence your approach to auto insurance. If you’re facing financial constraints or seeking ways to optimize your budget, shopping for auto insurance becomes a strategic move. Evaluate your coverage needs and explore options that align with your financial goals without compromising essential protection. Older cars may no longer require the same level of coverage as they did when new.

Conclusion: Steering Toward Smart Savings

In the realm of auto insurance, the frequency of shopping for coverage is not a one-size-fits-all proposition. Instead, it’s a dynamic journey influenced by the twists of life, changes in driving habits, and market fluctuations. We recommend shopping for car insurance once per year as well as anytime you experience a significant life change. Happy driving, and may your car insurance journey be paved with prudent choices and smart savings!

Unveiling Treasures: A Guide to Finding Online Bargains

In the vast digital marketplace, where clicks and scrolls abound, a world of online bargains awaits the savvy shopper. Navigating the e-commerce landscape can be a thrilling adventure, filled with hidden gems and wallet-friendly treasures. Whether you’re a seasoned online shopper or a newcomer to the virtual aisles, this guide is your compass to uncovering the best deals and securing those sought-after savings.

1. Mastering the Art of Comparison Shopping

In the realm of online bargains, knowledge is power, and comparison is your ally. Leverage comparison websites and apps to scout prices across multiple platforms. From electronics to fashion, these tools empower you to make informed decisions, ensuring that the deal you snag is truly the best in the digital marketplace.

2. Harnessing the Power of Promo Codes and Coupons

Ah, the sweet melody of discounts – promo codes and coupons are the notes that compose it. Before finalizing any online purchase, embark on a quest for promotional codes. Websites like RetailMeNot and Honey can be your trusty companions, automatically applying codes at checkout or unveiling hidden discounts.

3. Embracing the Wishlist and Cart Abandonment Strategy

The digital shopping cart is a magical vessel, holding the promise of potential bargains. Place desired items in your wishlist or cart and then, wait. Some retailers may entice you with special offers or discounts to encourage the completion of your purchase. It’s a patient game, but the rewards can be significant.

4. Timing is Everything: Capitalize on Sales and Events

The online shopping calendar is marked with events and sales that can be your ticket to remarkable savings. From Black Friday extravaganzas to seasonal clearances, strategic timing can be the key to unlocking unbeatable bargains. Keep an eye on retailers’ newsletters or social media for announcements and early access opportunities.

5. Unearthing Hidden Gems in Clearance and Outlet Sections

The clearance and outlet sections of online stores are treasure troves waiting to be explored. These often-overlooked corners harbor discounted items, end-of-season sales, and limited-time offers. Delve into these virtual bins, and you might discover remarkable finds at a fraction of the original cost.

6. Signing Up for Newsletters: A Gateway to Exclusive Deals

Subscribe, subscribe, subscribe! Retailers often reserve their best deals for newsletter subscribers. By signing up, you not only gain access to exclusive offers but also stay in the loop about upcoming sales, promotions, and limited-time events. Your inbox becomes a gateway to savings.

7. Patronizing Flash Sales and Daily Deals Sites

For the thrill-seekers in the world of online bargains, flash sales and daily deals sites are the adrenaline rush you crave. Websites like Groupon, Woot, and Zulily offer limited-time discounts on a variety of products. Act swiftly, and you might snag that must-have item before it disappears.

Conclusion: Your Guide to Cyber Bargain Bliss

In the digital marketplace, where the possibilities are endless, finding online bargains is an art form. Armed with comparison tools, promo codes, and a keen sense of timing, you can navigate the e-commerce landscape with confidence. Embrace the thrill of uncovering hidden gems, and let the online bargain hunt become a satisfying and wallet-friendly adventure. Happy shopping!

A Guide to Auto Insurance for Seniors

As we gracefully age, our driving habits, needs, and priorities change. With this evolution comes the importance of revisiting and adjusting various aspects of our lives, including auto insurance. In this blog post, we’ll explore the unique considerations and valuable tips for seniors when it comes to auto insurance, ensuring a smooth journey on the road ahead.

Understanding How Seniors Use Their Cars Differently:

Consideration:

Seniors often experience changes in driving habits, such as reduced mileage and avoidance of rush hour traffic. Understanding these shifts is crucial in determining the most appropriate coverage.

Tip:

Regularly reassess your driving habits and adjust your coverage accordingly. If you’re driving less, you may qualify for lower premiums.

Safety Features and Discounts:

Consideration:

Modern vehicles come equipped with advanced safety features, and many insurers offer discounts for these features. These features can be particularly useful to keep seniors safely driving longer.

Tip:

Explore the safety features of your vehicle and inquire about discounts. Features like anti-lock brakes, airbags, and collision avoidance systems can lead to potential savings.

Defensive Driving Courses:

Consideration:

Participating in defensive driving courses can enhance skills and may qualify seniors for insurance discounts.

Tip:

Check with your insurance provider to see if they offer discounts for completing defensive driving courses. These courses not only refresh your skills but can also result in financial benefits.

Usage-Based Insurance:

Consideration:

Usage-based insurance (UBI) programs, where premiums are based on driving behavior, can be a good fit for seniors who drive infrequently.

Tip:

Inquire about UBI options with your insurer. This can be especially beneficial if you’ve significantly reduced your driving or use your vehicle primarily for short trips.

 

Multi-Policy Discounts:

Consideration:

Bundling your auto insurance with other policies, such as homeowners or renters insurance, can often result in multi-policy discounts.

Tip:

Explore the savings potential of combining policies. Consolidating your insurance needs under one provider can simplify your financial management.

Regular Policy Reviews:

Consideration:

As life evolves, so should your insurance coverage. Regular policy reviews ensure that your coverage aligns with your current needs.

Tip:

Schedule periodic reviews with your insurance agent to discuss any changes in your life, driving habits, or health. This proactive approach helps keep your coverage up to date.

Maintaining a Good Driving Record:

Consideration:

Safe driving habits contribute to lower insurance premiums.

Tip:

Continue practicing safe driving habits and adhere to traffic rules. A clean driving record is a key factor in securing favorable insurance rates.

Auto insurance for seniors is not a one-size-fits-all scenario. It requires a thoughtful and personalized approach that aligns with your unique needs and circumstances. By staying informed, regularly reviewing your policy, and taking advantage of available discounts, you can navigate the road ahead with confidence, ensuring that your auto insurance coverage is as reliable as the journey you’re embarking on

Driving Savings: 8 Tips to Trim Down Your Auto Insurance Costs

Auto insurance is a necessary expense for drivers, but that doesn’t mean you have to break the bank to stay protected on the road. In this blog post, we’ll explore eight practical tips that can help you save on your auto insurance without compromising the coverage you need.

1. Shop Around for the Best Rates:

Don’t settle for the first auto insurance quote that comes your way. Take the time to shop around and compare rates from multiple insurance providers. Online comparison tools can make this process quicker and more efficient, helping you find the most competitive rates for your coverage needs.

2. Bundle Your Policies:

Consider bundling your auto insurance with other policies you may have, such as homeowners or renters insurance. Many insurance companies offer discounts for bundling, providing you with significant savings on your overall insurance costs.

3. Maintain a Good Driving Record:

Safe driving pays off in more ways than one. Maintaining a clean driving record by avoiding accidents and traffic violations can qualify you for lower insurance premiums. Safe drivers are often eligible for discounts and can benefit from a more favorable risk profile in the eyes of insurers.

4. Increase Your Deductible:

Opting for a higher deductible can lower your monthly insurance premiums. However, it’s crucial to assess your financial situation and determine a deductible amount that you can comfortably afford to pay in the event of a claim.

5. Take Advantage of Discounts:

Insurance companies offer various discounts that you may be eligible for. Common discounts include safe driver discounts, good student discounts, multi-car discounts, and discounts for safety features on your vehicle. Inquire with your insurer about the available discounts and ensure you are taking advantage of all applicable ones.

6. Maintain a Good Credit Score:

Your credit score can impact your auto insurance rates. Maintaining a good credit score demonstrates financial responsibility, and many insurers use it as a factor when determining premiums. Regularly check your credit report and take steps to improve your credit score if needed.

7. Drive Less, Save More:

Some insurance providers offer discounts for low-mileage drivers. If you have the option to work from home or use public transportation, you may be able to negotiate lower rates by demonstrating that you drive fewer miles annually.

8. Review and Update Your Coverage Regularly:

As your life circumstances change, so do your insurance needs. Regularly review your coverage and update it according to your current situation. For instance, if you’ve paid off your car loan or if your vehicle has depreciated significantly, you may be able to adjust your coverage to save on premiums.

Conclusion:

Saving on auto insurance is not about sacrificing coverage but rather about being savvy and proactive. By comparing rates, taking advantage of discounts, and maintaining a good driving record, you can drive down the costs of your auto insurance without compromising on the protection you need. Keep these tips in mind as you navigate the road to more affordable coverage and a little extra cash in your pocket.

Bring Your Own Cheap Booster Seat To Save When Renting A Car With Children

Car rental companies can charge $10-$15 per day to rent a car seat or booster. Consider buying a cheap car seat or booster that can be disposed of instead. For example, this one for just $11.77 from Amazon.

What are your best car rental or travel tips?

How can you save when traveling with children?

Preexisting Condition? You Should Sign Up For Health Insurance Right Now

Under The Affordable Care Act(Obamacare), insurers are not allowed to deny coverage based on pre-existing medical conditions. The New York Times reminds us what the outlook was for people with pre-existing conditions prior to the passage of the act.

Take for example, this woman, diagnosed with minor gastritis:

“I thought I was being smart in going to the doctor and getting checked out,” Ms. Fitzgerald, 55, who currently lives in Washington, D.C., said recently. “Then I tried to go get insurance and everyone denied me.”

 

Or this man, with asthma:

Dennis Carr, for example, worked as an independent real estate agent when the financial markets crashed in 2008. He had savings, but he eventually had to drop his Blue Cross plan because his income had tailed off and he could not afford it. Mr. Carr, who is now 51, said his goal was to resume coverage as soon as he was financially secure.

When he reapplied to the same insurer a few months later, he was rejected — and then rejected again by another insurer because of his asthma and a sinus condition.

“It was just a real, real slap,” Mr. Carr said.

He was directed to California’s high-risk pool but found the premiums too high. He moved to Mexico as a way to afford his medications. He now lives in Phoenix, where he has coverage through an employer.

On January 31, what may well be the final Open Enrollment under the Affordable Care Act ends. After this date, you may only get a new plan with a qualifying event. The President and Congress have made clear that they plan to repeal the Affordable Care Act and replace it. Though they have expressed a hope in retaining protections for people with pre-existing conditions, it is unclear what will be.

If you don’t have health insurance, or you would like to switch plans, now is the time. Whether you have a pre-existing condition, or not. Health-insurance.guru can help you find the right plan for you. Fill out their simple form, or call the phone number on their site, and get great health insurance quotes today.

Try it, then come back and let us know how your experience was.

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