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Actived: Thursday Jan 14, 2021

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Insurance Archives - Clark Howard

Details: Insurance There are three major types of insurance that matter most to your wallet: Auto, home and life. Team Clark has the resources to help guide you through the process of shopping for new policies, choosing a trustworthy company and saving money on your bill. Auto How Much Car Insurance Do I Need? When Should You File a Car Insurance Claim?

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Life Insurance Archives - Clark Howard

Details: Bestow Life Insurance Review: Pros and Cons Life Insurance September 24, 2019 by: Christopher Smith Bestow's claim to fame is that it offers term life insurance with no medical exam — ever. It is among…

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7 Things to Know Before You Buy Travel Insurance - Clark

Details: 4. How Much Does Travel Insurance Cost? Travel insurance policies generally cost anywhere between 4-10% of the price of the total trip. For example, if you are booking a trip that costs a total of $2,000, you can expect to pay around $80-$200 for a travel insurance policy.

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6 Kinds of Insurance You Can Stop Wasting Money On - Clark

Details: 6 Types of Insurance You Can Skip Buying. Single-issue insurance policies are generally considered a ripoff by many consumer advocates, including Clark. Examples of such policies are those that only cover one specific scenario such as cell phone insurance and pet insurance. Cell Phone Insurance. Cell phone insurance typically runs about $120 a

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Should You Buy Cell Phone Insurance? - Clark Howard

Details: “The best insurance you can have for a cell phone is to put a protective case on it and a screen protector and not buy any insurance,” Clark says. “Or you can use a credit card that comes with cell phone protection for free.”

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How to Dispute Your C.L.U.E. Report - Clark Howard

Details: If the insurance company agrees that the disputed info appears on your report wrongly, LexisNexis will remove it. But if the insurance company takes issue with your dispute, the loss will remain on your record. Advertisement. What is the Contact Info for LexisNexis?

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Your C.L.U.E. Report: What It Is and How to Check It for

Details: Your C.L.U.E. report is a little-known file compiled on you by the insurance industry that tracks you as a customer even when you change insurers. In this article, we’ll take a look at what information is contained in your C.L.U.E. report. we’ll explain how you can see your file for free, and we’ll tell you how to challenge any errors on

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10 Ways to Save on Prescription Drugs - Clark Howard

Details: Many employers that offer health insurance also partner with a pharmacy benefits manager (PBM). A PBM helps offer employees additional prescription savings, typically through a mail-order program. For example, you may be able to get a 30- or 90-day supply of a wide variety of medications through your PBM.

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10 Things to Know Before You Use GoodRx - Clark Howard

Details: You can use GoodRx coupons whether you have health insurance or not. 2. Will My Pharmacy Accept GoodRx? More than 70,000 pharmacies in the United States — including major chains like Costco, Kroger, Walmart, CVS, Rite Aid and Walgreens — will accept GoodRx.

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If you press 1 when you get this robocall, it will open

Details: If you get a phone call and aren’t sure if it’s legit, you can contact the Health Insurance Marketplace call center at 1-800-318-2596. You receive a robocall about your health insurance. Robocalls are illegal, unless you gave the caller written permission to call you (on paper or electronically).

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Should you buy pet insurance? - Clark Howard

Details: Veterinary Pet Insurance (VPI), a Nationwide Insurance company, is a popular pet insurance option. Like Banfield’s Optimum Wellness Plans, VPI has a Pet Wellness plan that covers basics like wellness exams & tests, flea/heartworm prevention and vaccinations.

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3 Things to Know Before Buying Owner’s Title Insurance

Details: This is not like your home or auto insurance coverage. With those policies, you buy protection for events that may happen in the future. But with title insurance, you’re buying coverage for potential title problems in the past — even if you don’t know what they may be at the present time.. Unfortunately, there is a lot of confusion surrounding title insurance in general.

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Health Insurance Guide - Clark Howard

Details: Basic health insurance terms Premium: This is the amount you pay every month for health insurance coverage, regardless of whether or not you use it. Deductible: This is how much money you pay out of your own pocket for most medical services, except for free preventative care, before your insurance kicks in to cover the costs.

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› Get more:  Medical,  HealthGo Now

Home Title Lock: Is It The Same As Home Title Insurance

Details: Owner’s title insurance is a simple insurance product that most protects you from the possibility that someone may come along and contest your ownership of a property.. Money expert Clark Howard recommends that every homeowner buy their own home title insurance, rather than relying on the insurance purchased by the lender.. The company Home Title Lock, on the other hand, offers a

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6 Things to Know About Kin Insurance - Clark Howard

Details: Insurance is one of those industries that remains tradition-bound. If you’re the kind of person who likes to sit down in your insurance agent’s office should an issue arise, then Kin Insurance probably isn’t for you. While Kin does make agents available online, there’s no face-to-face interaction.

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6 things to know before you deal with a home insurance

Details: Take heart! If you and the insurance company can’t get on the same page, here’s what you can do: Escalate the issue by going beyond your insurance agent and asking to speak with or meet the company’s claims department manager. If that doesn’t work, check to see if your policy allows for an independent appraisal after a loss.

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When Should You File a Claim on Your Homeowners Insurance

Details: Homeowners Insurance Claims: Consider This Before Filing. At one point during the historic polar plunge, some two-thirds of Americans were in areas where it was below freezing — often by dozen of degrees below zero — and that’s before you even factor in the wind chill!

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Do You Really Need to Buy Uninsured Motorist Coverage

Details: Meanwhile, if you’re shopping for a new auto insurance policy, be sure to check out our guide to the best and worst auto insurance companies. More Insurance Stories on Clark.com: Auto insurance: How to shop for a new policy; How to shop for term life insurance; Best and worst home insurance companies

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› Url: https://clark.com/insurance/uninsured-motorist-coverage/ Go Now

› Get more:  Auto,  LifeGo Now

What Is Disability Insurance and Should I Buy It? - Clark

Details: What Is Disability Insurance? Disability insurance is an insurance policy that will pay you part of your income if you’re unable to work for a period of time because of illness, injury or accident. At its core, disability insurance is income insurance.

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Liability vs. Full Coverage: Which Auto Insurance Do You

Details: Collision insurance is just what its name suggests: It protects you when you’re behind the wheel and cause damage through a collision with another vehicle. Advertisement. Comprehensive insurance protects you if your vehicle is damaged when you’re not driving it. For example, a tree could fall on your car while it’s parked, or someone

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Did your employer take out a life insurance policy on YOU

Details: One non-profit insurance industry group says that a healthy 30-year-old man can get a $250,000 level-term policy for 20 years at a cost of less than $13 a month. Advertisement. That’s around $150 a year…and the price never goes up with a level-term policy!

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5 Things to Know Before You Buy Flood Insurance - Clark Howard

Details: Flood insurance is an important policy for most homeowners to have. But only about one in seven homeowners purchase this safety net. In this article, we’ll take a look at what flood insurance is, how much it costs to buy coverage and where you can buy a policy.

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How to Buy Term Life Insurance in 7 Easy Steps - Clark Howard

Details: Term life insurance is known for its affordability over other types of life insurance. For example, I got term and whole life insurance quotes in September 2020 for a 35-year-old female in good health seeking $1 million in coverage. That person would pay $67 per month for a 30-year term and $627 per month for a whole life policy.

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› Get more:  Life,  HealthGo Now

How to counter lowball offers from auto insurers after

Details: Auto insurance adjusters use an industry database that’s stacked against the consumer and tends to value cars at 70 cents on the dollar—a whopping 30% less than what your car is really worth! So here’s how you fight back and get a fair value for your vehicle… Read more: These states penalize you on insurance […]

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› Get more:  Cars,  AutoGo Now

Best and Worst Auto Insurance Companies - Clark Howard

Details: Best Car Insurance Companies: Which to Shop and Which to Skip! You’ve seen the car insurance ads on TV promising accident forgiveness, vanishing deductibles and other selling points. But those features are just a side-show to the main act, which is a company’s reputation with both customer complaints and customer satisfaction after a claim

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Should I buy insurance from the rental car company

Details: Many personal auto insurance policies have addendums that cover a person if they’re renting a car from a car rental agency. Check with your carrier to see if your personal insurance policy contains this benefit before you go on your trip. Many of the best auto insurance companies offer this benefit to their clients.. The coverage is generally provided for 14, 15 or 30 days of a car rental

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When Should You File a Car Insurance Claim? - Clark Howard

Details: Wondering when to file a car insurance claim? Money expert Clark Howard has a specific formula he suggests you apply to see if getting your insurance company involved is worth it or not.. Here’s Clark’s Rule for Using Car Insurance. Filing a car insurance claim over something frivolous — like a broken mirror or a cracked windshield, for example — is a real whammy for your wallet.

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5 insurance policies you shouldn't waste your money on

Details: Insurance is a great product; but it is often sold to the wrong people for the wrong reasons. Insurance makes most sense to buy when the odds of incurring the expense are low but the cost of incurring expense are catastrophic. A great example of this would be term life insurance for a single mother […]

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› Get more:  LifeGo Now

Watch out for these Blue Cross Blue Shield scams - Clark

Details: The scammers send you the product and bill your insurance company. Sometimes it will cost thousands of dollars, which “99.9% of the time is covered by your insurance company,” said Crowell, but still could cost you money, depending on whether you have a deductible, prescription coverage or out-of-pocket expenses with your insurance coverage

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What Is Supplemental Insurance and Should You Buy It

Details: Supplemental insurance is unnecessary for most people. Health insurance, life insurance and disability insurance are more important. If you don’t have the coverage you need there, go and get it before you consider buying supplemental insurance.

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Coronavirus and Travel: What You Need to Know - Clark Howard

Details: The best option during this pandemic is Cancel for Any Reason (CFAR), which typically costs nearly 50% more than a standard policy (standard policies cost an average of 4% to 8% of the cost of a trip, according to the U.S. Travel Insurance Association), but allows you to cancel a trip and receive a 75% refund of the insured trip cost if you

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Citi is eliminating these benefits for Costco cardholders

Details: These changes don’t just affect the Costco Visa. As Clark.com reported in late June, Citi is discontinuing various consumer and travel benefits for other cards including the Citi Double Cash Card, Citi Prestige Card, Citi Premier Card and more.. When you log in to your account, you should get a notification if one of the cards in your wallet is affected.

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5 professions that practically guarantee you'll pay less

Details: RELATED: 4 hidden factors that help determine your auto insurance premiums. 5 jobs that mean lower car insurance—and 4 professions that mean the opposite! With the average annual cost of an auto insurance policy pushing $900, we all need any help we can get to lower that premium.

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Beware these 5 Medicare open enrollment pitfalls - Clark

Details: Supplement insurance is very important to consider purchasing because it will help pick up the tab for many of the out-of-pocket costs that Original Medicare won’t. However, it won’t pick up everything. Among the things most Medigap policies won’t cover are long-term care, vision,

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What Is Long-Term Care Insurance and Do You Need It

Details: What is LTC Insurance? Long-term care insurance is an insurance policy set up to pay for long-term medical care services. These services can include personal and custodial care in a number of living arrangements and settings.

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12 things your homeowners insurance probably doesn't cover

Details: 12 things your homeowners insurance may not cover. 1. Mold: According to Bankrate, a standard homeowners insurance policy generally limits mold damage coverage or totally excludes it. ‘ Some insurers offer an endorsement to expand coverage limits for mold claims but only if you are willing to pay more for your insurance.’ The Insurance

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› Get more:  Bank,  HomeownerGo Now

What to do when your car is totaled - Clark Howard

Details: Insurance companies won’t always disclose all of your options when they total your car. If your car is totaled, the insurer can either offer you either a full settlement (you give them the car and the keys) or a partial settlement where you get to keep the vehicle.

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18 tips to save money on car insurance - Clark Howard

Details: The complexities of car insurance pricing, made even more complex by varying state coverage requirements, can make finding the right policy for you an incredibly frustrating ordeal for countless consumers. Oh yeah, and coverage can be pretty expensive. Read more: Best auto insurance companies How to save money on auto insurance As a licensed insurance agent, […]

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There’s a Hidden Dark Side to Roadside Assistance and Cell

Details: Cell Phone Insurance. Your home insurance policy may have coverage for electronics, including your cell phone, in case they get fried by a sudden electrical surge or you somehow break them. But using this insurance can be too high voltage for your wallet. Insurers are likely to report the use of cell phone insurance on your C.L.U.E. report as a

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The 4 Insurance Policies You Actually Need - Clark Howard

Details: The difference between life insurance and accidental death insurance is that the latter pays out only if the insured’s death is an accident. Therefore, it is more limited than life insurance. “If you have life insurance, you don’t need accidental death insurance and that other stuff,” Clark says.

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› Get more:  LifeGo Now

The Best Term Life Insurance Companies - Clark Howard

Details: MassMutual is an old, huge, stable insurance company with an A.M. Best rating of A++. Most of its term life insurance policies last for 10 or 20 years with level premiums. Those are vanilla life insurance options, which is a good thing in this case.

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Long Term Care Insurance - Clark Howard

Details: Long term care insurance can help pay for nursing home care or in-home health care when you get older. Here are some rules of road when you’re ready to buy a policy. Advertisement

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What Is Term Life Insurance and Should I Buy It? - Clark

Details: Term life is not the same insurance product as whole life insurance. In fact, there are a couple of notable differences. First off, with term life insurance you buy a policy for a set number of years, usually 10, 20 or 30, and the rate is affordable.

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What is a contact lens fitting fee and why do I have to

Details: That explains why my vision insurance covers all but $25 of the $175 comprehensive exam and not the contact lens fitting fee. Before I left the optometrist’s office, the associate told me that benefits providers like VSP and EyeMed may cover part of the fitting fee with some vision insurance plans.

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Should you buy American Express Premium Car Rental

Details: Unlike most credit cards’ rental car insurance, you won’t have to make a claim with your personal insurance to receive benefits. In addition, there’s no deductible to this policy, so you don’t have to worry about some rental car company’s shady practices of finding a scratch that, coincidentally, costs just under the deductible to fix.

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New Advice on Long-Term Care Insurance - Clark Howard

Details: Long term care insurance is a smart decision for many people. It helps pay for long-term nursing home care or for health care assistance in your home when you get older. But far too few people choose to buy it. Here are some guidelines to follow if you are thinking of buying LTC insurance: 1) You […]

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Can I rent a car without car insurance? - Clark Howard

Details: Personal Accident Insurance — covers you and your passengers. Personal Effects Coverage — reimburses you for personal items stolen out of the rental car. Because liability-only insurance isn’t enough to safely cover your rental if it incurs damage, you’ll likely need some kind of combination of liability and collision coverage for peace

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Auvi-Q: How to get this EpiPen alternative for free

Details: Go online to download the enrollment form.; Call 1-877-30-AUVIQ to get the process started.; Note that this offer is not valid if you get any kind of government-funded insurance. That includes Medicare Part D, Medicaid, VA insurance and Tricare.

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4 Things to Know Before You Buy Renters Insurance - Clark

Details: The National Association of Insurance Commissioners says you should expect to pay somewhere between $15 and $30 a month based on where you live, how large of an apartment you rent and how valuable your possessions are.. To put that to the test, we pulled online quotes for renters insurance policies from three competitors — two traditional insurance companies (Allstate, Farmers) and one

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