Increase your deductibles. A deductible is the money that must come out of your pocket after a loss before any money comes out of the insurance QuotesChimp's. Health insurance typically will have a $200 deductible, which means you pay for the first $200 of health expenses per year before you receive any benefits. Since a great number of claims deal with relatively small amounts of money, the higher the deductible, the less risk the insurance company is exposed to, and thus the lower your premium will be.
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