If you're shopping for lower rates for superior coverage then you should be aware of some simple things that could result in massive savings. Let's look at a few here...

1. Your drug cost may sometimes be less than your co-pay. There are instances where it is cheaper if you do not use your insurance but buy a prescription from your own account. Use the option that gives you bigger savings. Careful comparison will enable you make huge savings over time.

2. Joining a Preferred Provider Organization (PPO) is another way you can cut down on rate. But in contrast with an HMO it offers you more options and consequently  it's also generally more costly.

Check what you can afford and your needs and determine if this is a better choice than other plans. If saving is more important to you than flexibility then make use of a PPO.

3. Using tobacco in any form will increase your rates. People who snuff or chew tobacco will also get higher rates than individuals who don't.

Therefore, you will help yourself get more affordable rates if you stay away from tobacco use in any form.

4. Take it or not, your driving culture can have a negative effect on your health insurance rate. If you have many charges on rough driving or a history of street racing you'll spend much more. The simple reason is that if you're such a driver, you will most likely need medical attention for crash related injuries than a very careful driver.

Hence, driving better does not only save you much in your auto insurance, it also helps you get cheap rates in health insurance. Super-fast automobiles like sports cars and power bikes will make you pay a higher health insurance premium. The plain reason remains that you increase the probability that you will make claims soon.

5. Although this may not be an issue for most people it should be mentioned...

The use of banned drugs will increase your costs. Misusing drugs also will make you pay much more in health insurance. Steer clear of self-medication as well and you'll certainly get cheaper rates than individuals who do not.

6. You can get savings of hundreds of dollars on your health insurance policy by obtaining insurance quotes from quote sites. The best method is to visit at least five quotes sites and making sure that you input the same (correct) details.

I recommend that you visit a minimum of five quotes sites since that will make it less likely that you'll miss out offers not given by the other sites. This provides you a broader basis for doing more thorough comparisons thereby increasing your chances of realizing more savings.