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If you really desire the most affordable quotes, you must shop around well. There are several ways to do that...

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Make a few phone calls to your trusted acquaintances and ask them about their insurer. Find out the level of service they get and what they pay where you can ask them. You can ask to be referred to their agent if you're satisfied with what you hear.

Although it is wise to use an insurer or agent that has been highly recommended by a trusted acquaintance, it also pays to shortlist more than one great agent. This will ensure you compare better for the best service and quotes. Do your best to compare quotes from every agent your friends referred you to. Discuss with each of them, note their response, and who has the best price. This is very effective but at the same time quite time-consuming.

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Use the Yellow Pages. This resource is viable for individuals who don't feel very comfortable with doing business on the internet and do not have enough agents' contacts from friends and acquaintances. There are a few challenges like the fact that it will take you more to ascertain the value they deliver beforehand.

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All states have a department that oversees insurance there and always have useful information for anyone shopping for insurance in the state. They usually have resources that will make it easier for you to get the best value. The right information will definitely place you in a better position to get more savings.

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Consumer guides are also useful resources for those shopping for insurance. They are a great for getting an idea of typical rates. You'll as well get great tips that will make it easier for you to get the best in health insurance. Remember that the quotes you see in these guides are not what you might get. They are only guides. Due to this, ensure you get quotes from as many insurers as makes sense. More quotes increase the chances that you'll get lower quotes and value.

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If you already have existing policies, it is wise to tell your agent if you're happy with the value they give. Although you should do this I still suggest that you ask for quotes from other insurance agents. Not minding that it will be more demanding, you'll always guarantee better value by requesting for a lot of quotes.

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For people who have direct access to insurers, you can ask them directly for quotes. Still, I suggest that you get quotes from a number of insurance companies. You increase the probability of getting a great rate and an excellent service by doing detailed comparison of quotes returned.

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The most vital key to huge savings in health insurance is comparison shopping -- Given that you do it correctly. All you have to do online is visit some quotes sites and get and compare quotes. You can get quotes that will have a difference in excess of $1,000. You could quickly save so much by just going with the lowest quote. This should be the case if you're simply after the lowest price.

Nevertheless, if you want the best price/value then you'd have to check the details of the cheapest offers. Different insurers may have slight differences for similar policies. It's important that you ask the agent what's part of the deal and what's not.

Here are my favorite pages for health insurance quotes...

InsureMe Health Insurance Quotes

Health Insurance Quotes

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Chimezirim Odimba writes on insurance.