I’ll give you some clues to help you when shopping for insurance

A. Multi-policy can help you get lower rates. If you can, buy your auto, health and life insurance from the same insurance company. This qualifies you for what is known as multi-policy discounts. But before you settle for this, check different insurance company sites. The discounts you get on different policies might equal the multi-policy discount or even surpass it.

B. To get cheap health insurance, buy a higher deductible policy and then make a bargain with your doctor. Buying a higher deductible policy or emergency policy would save you hundreds of dollars in premium. It is called an emergency policy because it starts only after you have paid the first five to ten thousand dollars. If there are other procedures that the doctor would want to do, ask for a discount. After all you feel comfortable haggling with a door to door salesman or a used car salesman, so why won’t you ask your doctor for a discount?