That costs HOW much?

I know I have harped on this before... but if you took away insurances (all types--dental, health,car, etc) think about how much more money you would have every month? 

IT TURNS MY STOMACH!

From my diamond engagement ring, to our home, to special insurances for guns, dental, health, car, life... the list goes on... we are one INSURED society. And it can suck your checking account DRY in a hurry. 

So what are some ways to cut back on insurance?

1. CALL AROUND!! Get the best rates. here's the deal... when you get a quote on insurance (mainly car insurance) they ask for your Social Security number. They run your credit--HOWEVER it's different. It does not give your credit a hit. It's called an IS score. (insurance score) and it is NOT a hard inquiry on your credit. So you have NO reason not to call every place in town! And TELL THEM that's what you are doing. You think there aren't little things insurance companies can do to lower your rates? THERE ARE. Trust me. Search for cheap auto insurance quotes that will be testing the cheap rate coverage waters FOR YOU! Saves you the trouble :)

2. If your home insurance/renters insurance covers, don't add additional!
That beautiful ring, that awesome big screen, and those shiny pistols... if your home insurance covers them (and it can and SHOULD because its cheaper that way) then don't buy an additional policy. There is no such thing as double coverage. If your house gets robbed and your tv gets stolen and you have that covered by your home insurance AND best buys plan... you don't get paid for it twice. So this is a lose-lose situation.

3. COMBINE when you can. Having a lot of policies together is CHEAPER. home, auto, motorcycle, RV, ring, life, health... stack em ALL together!

Hope that helps :) don't let these essentials suck you dry!