You have just completed an online form requesting a free health insurance quote and moments later you are being inundated with phone calls from insurance agents hoping to get your business. Try not to become overwhelmed or annoyed by these “pesky sales people” because they are really not telemarketers. Most of them are well-trained state licensed professionals who can really help you make a good decision regarding which health plan is best and most affordable for your individual or group coverage needs.You may be under the misconception that if you buy your health plan directly from the insurance company, and cut out the “middle person”, you will save money. This is absolutely not the case. In fact, insurance companies rely on agents for most of their business and that’s why they pay them commissions for bringing in customers. It does not cost a consumer one penny more to use a licensed California health insurance agent to obtain their insurance coverage.There are many differences between California health insurance and other states including how it is applied for.For example, while Blue Cross and Blue Shield are one company in other states, here in California, each is separate and applied to individually as Anthem Blue Cross of California and Blue Shield of California.California health insurance law AB 1672 is an improvement over the federal HIPAA law that covers all states in that it includes the following with regard to California group coverage:1. Individuals with pre-existing medical conditions may change over to a new group health plan without an exclusionary period.2. It allows small businesses and professional organizations to have access to health plans providing they have between 2 and 50 full time employees.3. It keeps insurance rates from climbing after a claim is filed.4. Employees who have health problems may change jobs or health plans without being rated higher for having pre-existing conditions.That said, the very best health insurance agent for your individual and business needs is an “Independent Agent.” Why? Because they represent multiple insurance carriers, not just one. An independent agent can help you select the most appropriate cost-effective plan offering the most benefits for your dollar as available from the major carriers, rather than feeding you just one company’s line of health plans which may not suit your particular needs. Many people are too complacent and settle for what their current insurance company has to offer. They could use a good independent agent to sort through the many plans available from multiple insurance carriers to find and provide the best choice of options.Another misunderstanding you may have is that insurance agents set the premium rates for the health insurance plans they sell. Thinking if you shop around you may get a better price for the same plan. Premium rates are based on your age, zip code or county in which you reside and are controlled completely by the insurance companies. Every agent uses the exact same rate guides set by the insurance companies. The condition of your health may affect your premium, which may be rated up after the insurance company’s underwriting department has reviewed your medical records. Again, the insurance company, not the agent, determines that outcome.Now, let’s talk about the benefits of having a good insurance agent representing you. Most consumers neither know nor understand the benefits of a health plan being offered and need the expertise of an agent to explain the benefits to them in full. For example, do you know what the difference is between an “out-of-pocket maximum” and an “annual deductible?”An out of pocket maximum is the most you will have to pay in a given year for deductible and coinsurance for covered benefits before your insurance starts to pay 100% of most expenses until the year ends.An annual deductible is usually the amount you pay each year before your health plan starts paying anything for covered services. Generally, the higher the deductible, the lower the premium. Certain services such as prescription drugs carry separate deductibles. Plans may vary and sometimes benefits will kick in before you have to meet the deductible.A knowledgeable health insurance agent can be a guide through the maze and help you choose the right plan to meet your needs and budget while obtaining the most benefits for your dollars spent. An agent will also make clear how the benefits for a generic prescription may differ from the benefits for a brand prescription on a particular plan.After you have a health plan in place, a good, caring agent will remind you to pay your premium on time so the insurance company doesn’t cancel you. Your agent can also be an enormous resource for assistance if you run into a problem with a health insurance claim. Instead of waiting on hold at the insurance company’s 800 number for thirty to forty- five minutes, call your agent and explain your problem and if you have chosen the right agent, you will get help and may save yourself lots of time and frustration, maybe even some money by having an expert in your corner where your best interests come first.So next time you or someone you know, fills out one of those on-line forms for a health insurance quote and you get several phone calls from health insurance agents wanting your business, be grateful that a professional wants to help you for free to choose the right plan and you’ll have an important friend for life.

Average motorcycle insurance rates depend on how much of an accident risk your insurance company deems you and your bike to be. While motorcycle fatalities have declined over the last couple of years, insurance companies tend to see bikes as more risky than cars; thus, your rates for motorcycle insurance will probably be higher than for comparable auto insurance. There are several factors that control how much you pay for motorcycle insurance.Type of Bike – High-powered sports bikes are more expensive to insure than other motorbikes. These bikes are harder to control; therefore, there’s a greater risk that you will get into an accident while driving a high-powered sports bike. The average motorcycle insurance rate on a sports bike may be close to double that of a lower-powered bike for this reason.If you want to drive this kind of bike, it’s imperative that you take a driver’s safety course. Not only will this type of class help you become a safer motorcycle driver, but most insurance companies offer bikers a hefty discount if they complete a safety course.Experience Level – Insurance companies also take your age, experience level and driving history into account when determining the insurance rate for motorcycle coverage. If you’ve never driven a bike before, you’re more likely to get into an accident because of your inexperience. This is especially true of younger drivers, who statistically get into more fatal accidents than older people regardless of whether they are driving a motorcycle or a car.In addition to your experience level, your insurance company considers your driving history. It may seem unfair to have to pay higher than average motorcycle insurance rates because you have multiple speeding tickets while driving a car, but insurance companies see your driving history as a reasonable measure of how safe a driver you are. If you are constantly speeding or breaking other traffic laws, insurance companies assume you take a lot of risks while driving or are an impatient driver. Thus, you are more likely to get into an accident, regardless of whether you are driving a motorcycle or a car, and your insurance company will charge you a higher rate than it would charge someone who has a cleaner driving record.Location – Average motorcycle insurance rates differ from state to state because of a wide range of factors. Some states feature poor weather for part of the year. These states may charge you a cheaper rate than states that are sunny year-round because you probably won’t be able to use your bike in heavy rain or snow. Thus, you only have to pay for insurance for the months that you will be using the bike.Regardless of the weather in your state, urban locations usually require you to pay higher insurance rates than rural locations. The standard of living in cities is higher than out in the country, so everything will be more expensive. In addition, there’s more traffic and congestion in urban locales. This means that there is a greater chance of getting into an accident. Bikes are considered riskier than automobiles when there is congestion because bikers may be tempted to ride between lanes; automobiles are too large to be able to do this.Type of Insurance – By law, you usually have to carry liability insurance on your motorcycle. Liability insurance is the cheapest type of insurance; it covers damage to other people’s property and bodily injury to other drivers in the event of an accident. However, it doesn’t cover repairs to your motorcycle. You have to purchase comprehensive or collision insurance for this purpose, which is more expensive.Saving Money on Motorcycle Insurance – Since the average motorcycle insurance rates are much more expensive than comparable auto insurance, it’s important to do whatever you can to keep costs down. Most insurance companies offer discounts to motorcyclists who install anti-theft devices on their motorcycle; the reduced risk of theft drives down the price of motorcycle insurance. You can also get discounts for taking driver safety courses or for insuring your motorcycle and your automobile via the same insurer.It’s difficult, if not impossible, to calculate exactly what the average motorcycle insurance rates might be for your bike because so many factors affect motorcycle insurance. However, if you plan to buy a bike you should be aware that insurance usually is not cheap. The best way to save on motorcycle insurance is to be a conscientious, careful driver and avoid accidents or tickets so that you can avoid rate increases and possibly get a discount for having a good driving record.