Insurance
Auto Insurance
Just as you should with life insurance, shop around. A good time to shop for alternatives is when your current policy is up for renewal, especially if your premium is being raised. You?ll be surprised to learn that auto insurance premiums for the same coverage on the same car can differ greatly.
Health Insurance
There are usually two categories of health insurance: indemnity plans (also known as reimbursement plans) and managed care plans such as health maintenance organizations (HMOs), preferred provider organizations (PPOs), and point of service (POS) plans.