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Reduce Health Care Expenses: 7 Frugal Living Tips, Plus One

Do you want to save money? It’s possible to save $500 or more per month.

But, how do you make it work?

For several years, health care expenses have been on the rise. For nearly every household, healthcare costs continue to be a major expense. The expense for the care itself continues to increase, and, naturally, insurance costs tend to rise also. Discovering ways to lower these costs can be well worth your time.

Here are several tips and tactics that could reduce your health care costs:

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Should College Students Buy Renters Insurance?

After the cost of tuition and books, a lot of college students may not be so eager to spend even more money to buy renters’ insurance. This might, usually, be a mistake.

For a student living on-campus, they’re not probably worried about renters insurance. That is if their parents’ homeowner’s policy will cover any loss or damage to personal items. But, verify if the parents’ policy does include “off-premises coverage”. It’s not guaranteed.

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What You Don’t Know About Veterans Day

Let’s get the confusion out of the way. Veterans Day commemorates ALL veterans, alive or not. (Memorial day is the holiday that is reserved for those who gave their lives during service to our country.)

See history lesson further down. Now, on to the current stuff.
Veterans Day 2020 theme: “Vision: Veterans in Focus.” Looking at centuries of Veterans’ service and sacrifice, maintaining the vision for the future of Veterans.

Firstly, here are some links to benefits from some thoughtful businesses that have chosen to honor us veterans with Veterans Day free meals & discounts:
https://www.military.com/veterans-day/restaurants-veterans-day-military-discounts.html
https://militarybenefits.info/veterans-day-discounts-sales-deals-free-meals/

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Top 10 Ways to Save Money On Auto Insurance

Money-Saving Strategies to Lower Auto Insurance Costs.
When you’re looking for ways to reduce expenses, consider the money you spend on car insurance. Reduce what you pay to insure your vehicle with these strategies.

Of course, everyone knows that you are legally required to carry insurance for your vehicle. But, you don’t have to overpay for that coverage. Look for an affordable option for your monthly insurance premium. Your insurance carrier charges a recurring expense that will impact your budget, so it’s important.

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Fast Track Guide for Obtaining Healthcare Coverage

Who needs health insurance? The fact is: health insurance makes healthcare more accessible and affordable. Yes, this includes preventive services like regular check-ups with your doctor and health screenings.
(By the way, Open Enrollment for health insurance is Nov. 1st – Dec. 15th)

For example, in 2019, only one-third of the U.S population’s uninsured citizens set up a preventive service visit with a doctor. In contrast, during that same year, 74% of adults with health insurance got in to see their doctor for a preventive visit.

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How To Prepare Before Buying Homeowners’ Insurance

Do your homework before getting homeowners’ insurance.

Use this list and consult your independent insurance agent so they can do some comparison shopping for your home insurance. After you look over all the facts related to your dwelling, you and your agent will be prepared and ready to get the best deal on your homeowners’ insurance policy.

How much you know about each of the following subjects will influence your choices when buying your homeowners’ insurance policy.

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When to Check Auto Insurance Rates

When’s the last time you gave more than a second thought to your car or truck insurance? Did you know that there’s no harm in changing insurance carriers often? Actually, it can be a very good thing. Keep reading to see why!

Do you think about your auto insurance rates very often? Like many, you probably only consider your rates when it comes time to renew. You may be surprised to learn that auto insurance companies periodically raise insurance rates across the board.

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Worst 9 Mistakes for Insurance Buyers

Have you made any of these mistakes?

An insurance policy is not exciting. There are hundreds of other more fun ways you could spend your money. But, insurance is an important part of your financial plan. It’s just way too risky to Not carry insurance.

When buying insurance coverage, it’s easy to make a mistake. Mistakes could cause the loss of your assets. And, those losses could create an unnecessary burden on your family’s monthly expenses.

When you shop for insurance, avoid these common mistakes:

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Top 8 Mistakes: Why You Don’t Collect Unemployment Insurance

Are you suddenly without a job?

Are you eligible to collect unemployment income? Lots of people think that if you quit your job that they’re not eligible to receive unemployment checks. Well, that’s not always true. But, you may be doing things that cause you to be denied unemployment benefits.

Losing your job can be scary both financially and emotionally. But, unemployment income benefits (aka U.I.) can help you.

There are specific requirements depending on your state of residence. But, if you avoid some common mistakes, it may be easier to qualify. Did you know that once your state benefits expire that you may qualify for federal benefits?

Top Eight mistakes to avoid:

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A Top Rated Insurance Agency in Lubbock, Texas

Three Best Rated® Gives A Top Placement

Hettler Insurance Agency is listed as one of the Top 3 insurance agents in Lubbock, Texas (2 years running). This is due to providing consistent, high-quality service in our area of business. ThreeBestRated.com approved our business using a rigorous 50-Point inspection which includes everything from checking reputation, history, complaints, ratings, satisfaction, nearness, trust, cost and general excellence.

Three Best Rated® was created with a simple goal to find the top 3 local businesses, professionals, restaurants, health care providers, etc., in your city. Businesses do not pay to be listed, ever. Local businesses provide better and personal services locally. Local businesses know your city better since we live here too.

Expertise® Scores A Top Placement

Also, according to Expertise.com, Hettler Insurance is one of the top insurance agencies in Lubbock, Texas. They scored 135 car insurance agencies in Lubbock, TX, and we are one of their top picks. They aim to direct people to the best local experts. Expertise scores Lubbock Car Insurance Agencies on over 25 variables spanning five categories. They analyze their results and give you a list of their best hand-picked Lubbock insurance agents.

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Company Information

Hettler Insurance Agency
Ron Hettler

4432 S Loop 289
Lubbock, TX 79414

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