As you would already know, anything can happen within a split second; be it an accident, a disease or a catastrophe.
All of which would need drastic medical attention that could run up your bill to figures that beat your bank balance.
So if you don't already have a catastrophe insurance, it's about time you got one and with a good rate too.
First, go online and look through companies on the internet, the best way to find legit companies would be to go through the government's site for a list of reliable companies.
Next, pick out all the ones that are non-profit instead of for-profit to get a good rate.
By choosing a non-profit company, you get to save a couple of thousand dollars on your total premium.
Also, don't pick one company to settle with immediately, make a list of a few companies and start doing in depth research about each one.
Get to know about plans, packages, cost, benefits, facilities, precise services and products offered by each company along with taxes and reinsurance as well.
Know that no two companies would have the same thing or the same rate for every individual as pricing can differ based on the type on insurance and your current medical condition.
Once you have gotten all the information you need, start making comparisons, if you are a woman, the downfall for you would be that your premium rate might be higher as you would be able to have babies bringing up the chances for medical bills.
For bargained lower rates, try taking long term family plans instead of individuals, your agent may be willing to give you a better rate, it would also help for you to stick to the same agent instead of switching around.
The longer you remain as a client, the more likely you'd get a better insurance rate.