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A Beginner’s Guide to Insurance Premiums

What is a premium?

To benefit from insurance coverage, you’ll need to pay a premium. A premium is a payment to your insurer that keeps your coverage in place. Insurance companies determine your premium by deciding what the risk is to insure you. Here’s a breakdown of the basics to help you understand what a premium is, why you have to pay it, how it works and ways to reduce your costs.

What Is a Premium?

An insurance premium is effectively the cost of your insurance, whether for health, auto or life insurance. Most companies allow you to pay the annual premium via monthly installments. However, some companies may require you to pay your premium on an annual basis or a semi-annual basis. Some may even want the entire insurance premium up front. Companies often decide they want the insurance premium up front if you have previously had your insurance policy canceled for non-payment.

The price of a premium is usually decided by an actuary or underwriter who takes a base calculation. The base calculation determines what the risk is to insure you. After the base calculation, the company may discount it based on your health, driving record, location and other personal details. This is all based on the type of insurance you’re looking to secure, too.

Your premium may also be determined based on your insurance history. Every insurance company uses different criteria to determine premiums. Some companies use insurance scores based on personal factors like credit rating, car accident frequency, personal claims history and occupation. If your personal factors are attractive to certain companies, you may want to secure a plan with one of them. It could mean a lower cost premium.

You may also pay more money for higher amounts of coverage, whether you’re purchasing life insurance, car insurance, health insurance or any other kind of insurance.

The value and condition of what you are insuring can also change the amount of coverage you need. For example, if you’re a healthy 28-year-old with no kids, your life insurance premium may be very inexpensive because you might not need a large policy. However, the price could increase as you age and your health and family situations change because you may need more coverage.

How Can You Lower Your Rates?

What is a premium?

The type of coverage you purchase affects your premium. If you get more comprehensive coverage with your insurance policy, it may raise your insurance premium. For example, if you insure your vehicle for all risks, you may have to pay more than if you insured it with a policy that doesn’t include collision coverage.

Deductibles can reduce your insurance premiums, as well. An insurance deductible is the cost you pay before the insurance company pays anything. If your car is insured and you have a $1,000 deductible, you have to pay $1,000 before the insurance company will begin to cover any costs. If there are $3,000 in damages to your vehicle, you would have to pay $1,000 and the insurance company would pay the other $2,000. As a general rule, the higher your deductible, the lower your premiums.

In the case of health insurance, taking on a higher deductible, higher co-pays or longer waiting periods may lower your costs. However, if you can afford a plan with a lower deductible, you may want to take that. Lower deductible health plans offer customers more predictable prices for higher amounts of coverage.

Your homeowners insurance premium may be affected by the coverage limits you choose, your deductible amount, optional coverages you select, your home’s age and condition, your claims history and your credit rating.

Car insurance premiums may be affected by your age, your credit score, your driving record, the age of your car, the type of coverage you chose, coverage limits you select, where you live and drive, and how often you drive.

Your life insurance premium may be affected by the amount of life insurance coverage you buy, the type of life insurance policy you select, the length of your policy, and your age, health, and life expectancy.

Insurance Limits

Some companies, specific policies or types of coverage have insurance limits. An insurance limit is the maximum amount of money the company will pay. Typically, the higher your insurance limit, the higher your premium. It’s also the inverse of a deductible. You pay the part of the claim or claims that’s more than the limit on your policy.

Insurance limits can be on a per occurrence basis or on an aggregate basis. For example, a per occurrence basis could be a $20,000 insurance limit on bodily injuries per person, per car accident. An aggregate insurance limit might be a $100,000 limit on construction costs in the event of a natural disaster.

Car Insurance

Car insurance laws and policies typically list liabilities as a set of three numbers that stand for the coverage limits when you’re responsible for an accident. If your numbers were 22/66/15, your insurance would cover $22,000 for bodily injuries per person, $66,000 in total bodily injury coverage per accident and $15,000 for property damage per accident. For personal injury protection, collision and comprehensive coverage, the numbers are listed as a single amount for each type of coverage. Your state may have specific minimum limits for certain coverages, so make sure you’re getting a fair rate.

Health Insurance

Healthcare laws often change, and many lifetime and annual health insurance limits are illegal. However, some health insurance policies still list annual limits or limits on the number of times certain treatments will be covered, such as acupuncture, chiropractic services and orthotics. Companies may also place limits on prescription medication to keep costs down. There may be policies such as “step therapy,” which requires you to try less expensive drugs first, or quantity limits, such as only covering 30 pills in 30 days.

Homeowners Insurance

Your homeowners insurance policy will often list separate limit amounts for different types of coverage. The limit amounts for liability coverage – in case you’re sued by someone for property damage or injuries that occur on your property – may be different than the limit amount for damage to your home and personal property. Make sure you review all of your homeowners insurance coverage limits, such as the amount it may cost to rebuild your home (dwelling coverage), liability coverage and personal property coverage.

Shopping Around

What is a premium?

It’s important to shop around for insurance because different companies have different target clients. You may be the target client for one company, but not for another. That means your premium may be lower with one company than another. The price you pay for your insurance may include taxes or fees, as well. And these could differ from company to company. Before shopping around, call your insurance company and see if they’re willing to lower your premium.

In addition, insurance companies may decide to pursue a new market segment. That can lower rates on a temporary basis, or on a more permanent basis if that works for the company. In either case, you can get a better deal on your insurance if you are part of the demographic that insurance company wants to attract.

The best insurance company for you may not be the best insurance company for your parents or your best friend. It all depends on your age, location and many other factors.

The Bottom Line

Your insurance company will assess the financial risk of insuring you. The greater they perceive that risk to be, the more your premium will cost. It’s important to make sure you let your insurance company know all the ways in which you are a low-risk or lower risk client in order to get premium reductions. After shopping around, you’ll be able to find the insurance policies that are best for your financial situation.

Tips for Reducing Insurance Costs

  • Consider all of the insurance options available based on your individual circumstances. This can help you save money. A comprehensive budget calculator can help you understand which option is best.
  • If you need extra help weighing your insurance options, you might want to consider working with an expert. Finding the right financial advisor that fits your needs can be easy. SmartAsset’s free tool will match you with financial advisors in your area in five minutes. If you’re ready to learn about local advisors that will help you achieve your financial goals, get started now.

Photo credit: ©iStock.com/skynesher, ©iStock.com/kate_sept2004, ©iStock.com/AndreyPopov

The post A Beginner’s Guide to Insurance Premiums appeared first on SmartAsset Blog.

Source: smartasset.com

Do You Qualify for Any of January’s Class-Action Settlements?

The New Year brings new opportunities to seek restitution for wrongs committed in previous months and even years. Take a look at this month’s list of class-action settlements to see if any of these offers will let you add some cha-ching to your pocket as you ring in 2021.

UnityPoint Health: Data Breach

Anyone who was affected by UnityPoint Health data breaches in 2017 and 2018 may be eligible for up to $7,000 plus a year of free credit monitoring and identity theft protection.

Also known as Iowa Health System, the lawsuit claims UnityPoint was hit by a data breach that began in November 2017. The multi-hospital delivery and health care system purportedly found the ongoing breach in February 2018, but failed to notify affected persons until April or even July of 2018.

The lawsuit alleges that more than 1 million names, addresses, phone numbers, billing information and health information were exposed, costing patients and consumers time and money to cancel credit cards and fight identity theft and fraud.

UnityPoint denied wrongdoing, but agreed to a $2.8 million settlement. UnityPoint Health said it contacted all affected consumers whose personal information was exposed during the 2017 and 2018 data breaches.

File your valid claim by March 2, 2021 to receive a year of free credit monitoring and up to $1,000 in “ordinary” expenses, including a maximum of three hours of time valued at $15 per hour and documented out-of-pocket expenses you incurred due to the data breaches, such as postage fees and internet charges. You also may claim up to $6,000 in “extraordinary” expenses related to identity theft or fraud caused by the data breaches, including false tax returns and interest on loans you had to take out because of canceling your credit card accounts.

Kalispell Regional Healthcare: Data Breach

You could be eligible for expense reimbursement, cash payments and free credit monitoring services as the result of a $4.2 million class-action settlement.

In October 2019, Kalispell Regional Healthcare notified patients that hackers were able to access employee email accounts and used those accounts to access the personal data of patients.

In response, a lawsuit alleged Kalispell didn’t do enough to protect against hackers. The company did not admit to any wrongdoing, but agreed to settle for $4.2 million.

Cyber thieves reportedly gained access to the following patient data:

  •     Names and addresses
  •     Medical record numbers
  •     Dates of birth
  •     Telephone numbers
  •     Email addresses
  •     Medical history and treatment information
  •     Dates of service
  •     Treating physicians
  •     Medical bill account numbers
  •     Health insurance information
  •     Social Security numbers

If you were notified by Kalispell Regional Healthcare that your personal information might have been compromised, you could be eligible for reimbursement of up to $15,000 in expenses related to the breach. You also may be eligible for up to five hours of time at the rate of $15 per hour.

In addition to reimbursement, you can choose between five years of Experian credit monitoring services valued at nearly $720 and an alternative cash payment of up to $100. Exact cash payment amounts will vary but will not exceed $100.

Claim forms are due by Feb. 25, 2021.

BMW: Failing Coolant Pump

If you owned or leased specific 2007 through 2019 models of BMW vehicles, you could claim up to $1,000 in reimbursements.

A class-action suit alleged the affected vehicles were equipped with electric coolant pumps that once they failed, caused engines to overheat, resulting in the need for expensive repairs. The lawsuit further alleged BMW knew of the problem but did not fix it or reimburse owners and lessees for resulting repairs.

Car owners and lessees may receive a maximum of $1,000 in out-of-pocket repair costs for parts and labor required to replace one failed electric engine coolant pump and a thermostat, if such replacement was needed within the first seven years or first 84,000 miles the vehicle was in service. In addition, BMW’s New Passenger Vehicle Limited Warranty may be extended to seven years or 84,000 miles.

BMW also will replace an electric coolant pump that fails for one year after the settlement becomes effective, no matter how old the vehicle is or how many miles it has on it.

We have the complete list of models covered and all the details you need to make a claim by the Feb. 18, 2021 deadline.

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Sports Research: Deceptive Supplement Labeling

If you bought Sports Research Corporation’s Premium MCT Oil products or Turmeric Curcumin C3 Complex products, you could be eligible for a portion of a settlement over allegations of deceptive labeling practices.

The premium-priced products that were labeled “packed with beneficial fats” and capable of fostering “natural” energy purportedly were falsely advertised. The MCT Oil merchandise contained 14 grams of saturated fat that did not allow it to be considered “healthy” as part of a diet. In addition, the “natural” energy supposedly induced by the use of raw coconut materials allegedly underwent processing.

The MCT Oil products were also promoted as containing antibacterial, anti-microbial and anti-viral properties, while the Turmeric Curcumin C3 products were marketed as anti-inflammatory products that provided antioxidant benefits.

If you bought Sports Research’s MCT Oil products or Turmeric Curcumin C3 products between Jan. 9, 2016 and Jan. 9, 2020, you could be eligible for either a $7 voucher to be used toward the purchase of any Sports Research product or $3 cash.

File your valid claim by Feb. 23, 2021 to receive your healthy dose of restitution.

A woman looks perplexed as she looks at her laptop screen.

Chime Digital Bank Service Disruption

Were you unable to access your Chime deposit account between Oct. 16-19, 2019 because of a service disruption? If so, you could be eligible for a portion of a $1.5 million class-action settlement.

The intermittent outage lasted for several days, according to the lawsuit, which resulted in late bill payments and disrupted purchases. The suit also says Chime failed to warn users of the outage and only communicated via Twitter.

Chime did not admit to any wrongdoing, but agreed to the class action settlement.

Compensation is divided into two tiers. Tier one allows consumers who suffered a loss due to the service disruption to receive a cash payment up to $25 with no proof of such loss. Tier two provides payments up to $750 for those who can provide documentation.

We have all the details and how to file your claim by the Feb. 15, 2021 deadline.

BMW: Defective Timing Chain

Former owners and lessees of certain 2012 to 2015 models of BMW vehicles could be eligible for reimbursement for allegedly defective timing chain components.

A lawsuit that alleged certain BMWs equipped with N20 and N26 engines were prone to experiencing damage and needing costly repairs because of defective timing chains.

BMW owners and lessees may qualify for either a reimbursement program or a prospective repair program.

The reimbursement program provides between 40% and 100% reimbursement for vehicle repairs depending on the mileage at the time of service. No cap exists for repair reimbursement if the repairs were completed at a BMW center. However, repairs done at an independent service center are capped at $3,000 for timing chain modules and oil pump drive chain modules and at $7,500 for engines.

A separate program provides reimbursement for future repairs. Some of these claims will be covered under vehicles’ existing warranties while others will be reimbursed for between 40% and 75% of the total repair costs. Vehicles must be taken to a BMW center.

Expenses are only eligible for reimbursement if the damage was caused by failure of the timing chain or oil pump drive chain modules. Vehicles that have over 100,000 miles or have been in service for over eight years are not eligible.

Check out the details, the list of covered vehicles, and the claim form that must be submitted by the estimated deadline of March 18, 2021.

Navy Federal Credit Union: Unfair NSF Fees

Navy Federal Credit Union has agreed to a $16 million settlement over allegations it charged unfair non-sufficient funds (NSF) fees to its customers.

Navy Federal customers who were charged two or three NSF fees on one transaction between Jan. 28, 2014 and Oct. 27, 2020 may be eligible for cash payments or account credits.

Multiple fees purportedly were incurred when a merchant presented a transaction for payment several times after an initial rejection. With each attempt, Navy Federal allegedly tried to process the payments again, which resulted in an additional NSF fee. This practice of charging the additional NSF fees violated Navy Federal’s own terms of its agreements, according to the suit.

Exact awards will depend upon the number of NSF fees charged and the number of customers who agree to participate in the settlement.

No claim form is required because cash payments or account credits automatically will be distributed, but you have until Feb. 24, 2021 to object to the settlement or to ask to be excluded from it.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

Source: thepennyhoarder.com

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DIY Light Box For Photography Just $7! Canadian based Lightbox Photo is officially launching its photo gallery software into the UK. Lightbox Photo allows users to create their own stock photo libraries or online proofing systemseither as …

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Step And Repeat Photography Lighting

While dutifully standing in front of a branded step-and-repeat to conduct a meet-and-greet session … passengers and …

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Choosing A Photography Business Name

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How To Pick a Name For Your Photography Business. We’ve tried some creative techniques for picking a good business name: random word generators, mind mapping, and the classic – flipping through a dictionary. In fact, the name for this site actually came from browsing a cookbook, looking for something to make for dinner. Sidenote: A lot…

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Here are a number of ways (in no particular order) to help you decide on a name for your photography business: 1. Choose a Specialty: Choosing a specialty or “niche” can help narrow down name ideas, and also may provide a unique and original name others may not …

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What they have in common is that each is steered by devoted, longtime owners who have embraced a more natural look and whose business and photography skills were … His original location in Oklahoma …

Apr 14, 2019  · Photography business names are hard, but i n this guide, I’ll give you a step by step method for choosing your photography business name. I’ll also give you an awesome photography business name generator (which you can download for free below).

Led Continuous Lighting Photography For my photography, I use a mixture of speedlights and larger flash heads depending on my requirements. For video, I obviously use continuous LED lights. Personally, I don’t need perfect colors … Buy LED lighting equipment and studio accessories from Wex Photo Video, with free delivery on orders over £50. Uniqsis announces its PhotoSyn ™
Cotton And Clover Photography Cotton + Clover are our go-to photographers. Their work is stunning, their personalities, passion for their work, and love for people make them the ideal team to work with on what could be a stressful day that you want captured in the best light possible. Marc L: "It is a pixelated clover… My 5 month

Jan 22, 2014  · Picking a name is a task that should not be taken lightly! Take a look at our list of 50 creative photography business name ideas for inspiration.

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Personal Branding Vs Business Brand for Photographers - How to Choose a Name When you find a photography style you like, get the name of the photographer. Widening your search also means being open to choosing less popular days and times. Myers says you can likely find …