Get rebates. Some states that allows “rebating”. California law, for example, allows agents to rebate part of their commission to you. If you live in a non-rebating stae, find a California company online! 8. Get the legal minimums. If you have no assets to protect, ask for state-mandated minimums on auto liability policies. Most companies give you their higher, more expensive “company minimums” if you don’t push the point. 9. Review your policies. It is common for parents to still pay for health insurance coverage on adult children long after they are working and have their own coverage.

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