LowerMyBills.com : Compare Rates & SAVE on Long Distance Service, Insurance, Mortgage Loans, & More

<body> <p>The mission of LowerMyBills.com is simply to help every American household save money for the important things in life. I came up with the idea for LowerMyBills.com after my wife and I bought our first house. I was just plain frustrated trying to find the best offers for everything from insurance to long distance. It was not just frustrating, it was time consuming, and I could never be sure I was getting the best deal. To that end, LowerMyBills.com is a simple and intuitive Web site: you gather information, tailor a service to your needs and sign-up for the plan that is best for you all online. It is the first nationwide site that empowers you to lower all of your monthly bills - from insurance to long distance - all in one place. And it's free to use! Today, we help you save in fourteen different categories of unavoidable monthly bills. In the coming months, we will expand our coverage to 18 different categories. We're looking forward to saving you even more money in the future. Q: What is LowerMyBills.com? A: LowerMyBills.com helps you save money. We do that by helping you make sense of your monthly recurring bills. You can receive vendor neutral advice, make apples to apples comparisons on products, and find products specifically tailored to your needs. Back to top Q: What do I have to do to lower my bills? A: There are two ways to lower your bills: modify your usage and/or switch to a better rate. • At LowerMyBills.com we provide you with ways to save on your bills as well as ways to find service packages that most effectively fit your usage patterns. • For example, if you use your cell phone for emergency calls only, you should not be paying $100/mo for 1000 minutes. In fact, you should be paying no more than $20/mo. Back to top Q: Where is LowerMyBills.com located? A: 10880 Wilshire Blvd. Suite 600 Los Angeles, CA 90024 Back to top Q: Are LowerMyBills.com’s providers nationwide and/or do they offer coverage nationwide? A: LowerMyBills.com has constructed a network of national and regional providers in order to provide broad choice and value to consumers nationwide. • Due to legal or regulatory constraints, there are a limited number of locations for which LowerMyBills.com cannot offer certain services. • Geographical constraints, if any, are explained in our web site for each product line. Back to top Q: How does LowerMyBills.com make money? A: We are a business much like a mortgage company or an insurance agency. When you purchase something from us, we make a commission on the sale. However, there are some very important differences: • Unlike a salesperson or telemarketer, we show you a wide range of available services, without bias, regardless of whether we earn anything or not. First and foremost, our goal is to help you find the right solution. • We earn a commission but you don't pay a higher price because of it. • Unlike dealing with a retail salesperson or telemarketer, you will never be intimidated into buying something you don’t want. We’re here to serve you, and we’ll never forget that. Back to top Q: How much does it cost to use LowerMyBills.com? A: LowerMyBills.com is free for you to use and we do not add extra charges now or ongoing to any vendor or service provider you switch to. For example, AT&T, Visa, or CellularOne will bill you directly and will not include any incremental fees to LowerMyBills.com. Back to top Q: Is LowerMyBills.com an insurance company? A: LowerMyBills.com is not an insurance company. • LowerMyBills.com serves as a liaison between its consumer members and network of participating insurance service providers. • Our mission is to educate our members by providing unbiased information so that each consumer may make an informed purchase decision. Back to top Q: Is LowerMyBills.com a lender? A: LowerMyBills.com is not a lender. • LowerMyBills.com serves as a liaison between its consumer members and network of participating financial service providers. • Our mission is to educate our members by providing unbiased information so that each consumer may make an informed purchase decision. Back to top Q: Will my information be given or sold to a third party? A: We only share your personal information with when given your express permission. For example, if you are signing up for a plan on our site. • LowerMyBills.com takes the privacy and security of personal data very seriously. For more information on our policies regarding personal data, please review the Privacy Policy. Back to top Q: Can or does anyone have the ability to intercept my information via the web (ex: credit card application)? A: LowerMyBills.com only partners with companies using technology to protect the transmission of your personal data. • We take the privacy and security of personal data very seriously. • For more information on our policies regarding personal data, please review the Privacy section of our web site. Customer Care At LowerMyBills.com, you are our number one priority. Please contact us with any questions you may have regarding our site and we guarantee a member of our Customer Care Team will respond to you right away. Thank you for using LowerMyBills.com, and we'll be in touch! How does your site work? We assist our customers in lowering their bills by offering comparisons to different providers in several categories. Click here to find out how to Lower Your Bills. Do you offer Debt Consolidation? Yes! Visit Debt Relief and get immediate assistance to help you resolve your money issues. LowerMyBills.com warrants a visit. The new site's blend of consumer tips, information and online shopping adds to a useful reality check that could save you some bucks." PC World Magazine "You'll find calculators that let you compare (credit) cards or help you determine if it's best to consolidate your credit debt to one card. You can also find out which credit cards offer bonuses, such as cash back, and why you absolutely need to read all of the fine print before accepting any credit terms." Smart Computing more listings 3.3 Home USA 3.3 ¢ 3.3 ¢ $0.00 $511 Credit Card or Debit Card. 100 Free Minutes! Exclusive! Click Here for Details cheap long distance The Right Saver Plan + 150 Free Minutes 3.4 ¢ 2.9 ¢ $0.00 $511 Credit Card or Debit Card. 150 Free Minutes! Exclusive! Click Here for Details inexpensive long distance great phone rates Fill in Your Information & Choose a Connection Type Compare Saving Plans in Your Area Sign Up Online & Save Instantly! Recently Featured In: Wall Street Journal May 8, 2003 Newsweek Apr 28, 2003 NY Times Feb 21, 2003 Read more Savings Tip: High-speed internet access now costs about as much as dial-up access with a second phone line. Did You Know? If you frequently download music, games, pictures, or other large files a high speed connection can save you hours of waiting! Enter Your Zip Code Compare FREE Phone Specials and Money Saving Plans Sign Up Online and Save Big Recently Featured In: Wall Street Journal May 8, 2003 Newsweek Apr 28, 2003 NY Times Feb 21, 2003 Read more Savings Tip: • If you're an infrequent user, check out low usage plans, starting at $19.99 per month. • Only get features you need. • Call your carrier to cancel extra options if you're not using them. 3.8 ¢ Flat Rate Plan 3.8 ¢ 2.9 ¢ $0.00 $504 Credit Card or Debit Card. Free Toll-Free Number! 3.9 ¢ + 100 Free Minutes! 3.9 ¢ 2.8 ¢ $0.00 $502 Pay by check. 100 Free Minutes! Exclusive! Click Here for Details Value Plus Flat Rate Promotion 5.0 ¢ 5.0 ¢ $0.00 $470 Checking Account Debit. Member-to-Member 4.5 ¢ 9.0 ¢ $0.00 $461 Credit Card or Debit Card. $8.33 in free calls between friends! Sprint Nickel AnyTimeSM 5.0 ¢ 10.0 ¢ $0.00 (with $20 monthly usage) $446 Pay by check. 5 Cent Plan 5.0 ¢ 10.0 ¢ $5.95 $375 Pay by check. AT&T One Rate® 7¢ Plan 7.0 ¢ 7.0 ¢ $4.95 $363 Check or Checking Account Debit. State Saver 9.0 ¢ 7.0 ¢ $4.95 $325 Pay by check. One Net Savings 9.0 ¢ 24.0 ¢ $0.00 $302 Credit Card or Checking Account Debit. How Does This Work? Get Going Fast with our Easy 2 Minute Form Compare Low Rates from Leading Companies and Hard to Find Plans for FREE Sign Up Online Recently Featured In: Wall Street Journal May 8, 2003 Newsweek Apr 28, 2003 NY Times Feb 21, 2003 Read more Savings Tips: • SAVE Up to $400 a year on your phone bill • Select plans featuring 100 FREE minutes and NO monthly fees • Call your carrier to cancel extra options if you're not using them. Customers Are Saying: I just clicked on Long Distance, typed in my phone number and they came up with a variety of plans to choose from -- all lower than I was already paying!" — H. A. Steinberg, Madison WI Instantly Save On Auto Insurance - Click Here LONG DISTANCE CREDIT CARDS INSURANCE LOANS DEBT RELIEF INTERNET ACCESS CELL PHONE CREDIT REPORTS Cheapest Long Distance No Catch! Click Here Think what you could do with an extra $5,900*/Year. Use it for home improvements, add a college fund or take that trip you've been dreaming about. The choice is yours! Start Saving Now: How Do I Lower My Bills? Compare offers - FAST Sign Up Online - FREE Save Money - EASY · Long Distance · Auto Insurance · Home Refinance · Debt Relief · Credit Cards · Home Purchase Loan · Home Equity Loan · Internet Access · Cell Phone · Auto Loan · Term Life Insurance · Free Credit Reports · Auto Warranty · Health Insurance · Debt Consolidation Loans · Homeowners Insurance - New! · Renters Insurance - New! Click Any Link Below to Start Saving Now: Long Distance - SAVE $500* Plans As Low As: · 3.3¢/Min. · 100 FREE Min. · No Monthly Fee Enter area code & first 3 digits of your phone number: Long Distance ( ) - - XXXX Click Here Home Refinance - SAVE $1,884* Lock in the lowest rates in 40 years! Save $1000s on your mortgage payments: · Home Refinance Loan · Home Equity Loan · Home Purchase Loan · Debt Consolidation Loan Auto Insurance - SAVE $1,048* Pay too much for Auto Insurance? Compare FREE multiple quotes from leading companies & start saving now: Select a State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Mexico New York North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Click Here Credit Cards - SAVE $650* Got good credit? Get 0% Intro APR and great rewards! If your credit needs work we have terrific options for you too: Select a Profile Excellent / Good Needs Improvement Establishing Credit Student Business Click Here Debt Relief - SAVE $2,400* Cut credit card payments up to 50%, reduce high interest rates & consolidate bills into one monthly payment · Debt Relief - Get Expert Help · Debt Consolidation Loan The Savings Really Add Up! Join over 200,000 people who have saved over $170,000,000 through LowerMyBills! · Long Distance $ 400*/Year · Auto Insurance $ 1,048*/Year · Debt Relief $ 2,400*/Year · Home Refinance $ 1,884*/Year · Internet Access $ 168*/Year Total Savings $ 5,900*/Year *Please click here for more details on how the annual savings calculations were estimated Enter Your Email Address & Receive Our FREE Newsletter Full of Savings Tips and Special Offers Only From LowerMyBills! Enter Address Submit "I used your service to find auto insurance. I not only saved $400+/year but got a stable, famous company like General Electric." - A. Mirabella, Cincinnati, OH "As a law student, I desperately needed to cut down on my expenses and your site has been incredibly helpful." - L. Swiatek, Philadelphia PA "I use LowerMyBills.com all the time. I check there first before I spend a dime." - R. Meier, Tampa FL Customer Care You are our number one priority. So if you have any questions regarding our site or services, please let us know, and a member of our Customer Care Team will respond to you right away - guaranteed! Thank you for using LowerMyBills.com - we'll be in touch! How does your site work? We're here to help you lower your bills by giving you quick and easy access to the best deals available in several categories, including utilities, loans, and insurance. Use LowerMyBills.com to compare prices and find the providers that can best meet your needs. Click here to find out how to lower YOUR bills. How much does your service cost me? It's free! Use our site as often as you like to find great rates and better deals on your monthly bills, all free of charge. Have a question about our Long Distance services? Click here for our Long Distance Frequently Asked Questions Want to know more about Debt Relief? Click here for our Debt Relief Frequently Asked Questions How Does This Work? Select Your Profile Compare Cards Sign Up Online Recently Featured In: Wall Street Journal May 8, 2003 Newsweek Apr 28, 2003 NY Times Feb 21, 2003 Read more Savings Tip: Transfer high interest balances to new cards offering 0.00% introductory APR on balance transfers Did You Know? Your credit score can affect the interest rate you receive on your credit card. Click here to get your FREE Credit Report. Complete this No Obligation Form Compare Instant Quotes (not estimates) from Leading Insurance Companies Sign Up Online & Save Instantly! Fill Out a No-Obligation Short Form Compare FREE Instant Quotes Sign Up Online & Save Recently Featured In: Wall Street Journal May 8, 2003 Newsweek Apr 28, 2003 NY Times Feb 21, 2003 Read more Savings Tip: The average policy holder should own insurance upwards of ten times his or her annual earnings. Did You Know? Review your policy every year. You may need to drop or add coverage. For instance, smokers pay more. If you quit, you can change your coverage and save. TEN REASONS WHY IT'S STILL A GREAT IDEA FOR CONSUMERS TO REFINANCE THEIR HOMES Continued Low Rates Mean More Options from Comparison Site LowerMyBills.com Santa Monica, Calif., January 27, 2003 - Mortgage interest rates are still at or near 40-year lows, according to industry experts. Yet close to three million, or 30 percent, of homeowners who could refinance their mortgages have hesitated to take advantage of lower rates. So although the initial rush may have passed, it's still not too late to get a great rate when refinancing your home. "Many homeowners across America can still qualify for a record-breaking low interest rate, but for one reason or another have hesitated in taking action," according to Matt Coffin, founder and CEO of LowerMyBills.com, "They could be waiting around for an even lower rate, or feel that the process is too complicated. As we've seen in the past, a lower rate may never come. And now refinancing is simpler than ever." Here are LowerMyBills.com's top 10 reasons why it's time to take another look at refinancing: 1) Rates won’t stay low forever. Experts say you only hit the bottom of the market by accident. So waiting for rates to drop again may be a risky proposition. This time last year rates hovered close to 7% for a 30 year fixed mortgage. Today, they are 6% (or just under) in most areas. 2) Lower monthly payments. By refinancing at today’s great rates, you’ll not only save money in the long run, but also end up with more cash at the end of every month for vacations, paying off debt, your kids, etc. 3) Lenders have cut their fees. With increased competition in the mortgage industry, many lenders have sliced their own fees in order to stay on top of the game. 4) Loan fees can be financed. Loan costs too can now be worked into the loan package as well. 5) If you lock the loan, you’ll get the rate. Worried about rates going up while you’re in the process of refinancing? Lock in a fixed rate with your lender to make sure you get the percentage you want. 6) Lenders have more time. When the mortgage floodgates opened, several lenders couldn’t handle the sheer volume and lock in rates for their customers. Since the initial wave has slowed to a stream, lenders now have more time to lock in your rate and process docs more quickly. 7) Less paperwork. Having visions of the mountain of loan paperwork you had for your 1st? There is significantly less shuffling in refinancing, since you don’t need to re-qualify for the loan. 8) You may not need a new appraisal. Depending on the lender and the program, some homeowners may not need a current appraisal. If it is determined that one is needed, many lenders now offer electronic appraisals via the Web, saving time and money. 9) Get extra cash out of the loan. In these unstable economic times, paying off high interest credit cards or just keeping some cash on hand is a wise idea. 10) Refinancing has never been so easy. You can compare lenders by logging on to www.LowerMyBills.com. With a multitude of mortgage professionals at your fingertips, it’s simple to compare rates and costs in order to get the most out of refinancing. About LowerMyBills.com LowerMyBills.com (http://www.lowermybills.com) is the online authority for all Americans to lower their cost of daily living. The one stop destination enables consumers to quickly and easily research, compare and instant lower their monthly bills all at one site, free of charge. LowerMyBills.com offers savings via more than 100 service providers across 19 categories, including long distance, credit cards, auto loans, insurance and debt consolidation. To date, LowerMyBills.com has helped more than 500,000 American consumers save over $172 million. The site has been featured in Yahoo! Internet Life, The Wall Street Journal, USA Today and on CNN and talk shows such as The Other Half. Media Relations LOWERMYBILLS.COM OFFERS SOLUTION TO LONG DISTANCE HIKES AT&T, MCI again inflate rates in 2003 Santa Monica, Calif., January 14, 2003 - LowerMyBills.com, the free online service that empowers consumers to quickly and easily research, compare and instantly lower their monthly bills today announced that dissatisfied long distance customers can utilize the online resource to fight back against new rate increases. The announcement comes on the heels of sizable new rate hikes, between 25-80%, for many of the country’s largest long distance carriers. AT&T, the leading U.S. long distance telephone company, raised its monthly fee for the popular 7-cents-a-minute-plan to $4.95, $1 more than current customers, in addition to several other rate hikes (Reuters, Dec. 27). MCI has also raised its 7-cents-per-minute charge to 9 cents (Washington Post, Jan 7), and increased its base monthly minimum fee on all plans to $5 from $3. Sprint rates are also expected to escalate in response to the competition (AP, Jan. 5). Consumers don’t have to take these outrageous long distance rate hikes lying down,” says Matt Coffin, LowerMyBills.com’s founder and CEO. “LowerMyBills.com provides a solution by giving consumers several different rate plans available in their area, so they can choose which is best, and lowest, for them." By logging on to LowerMyBills.com, customers can immediately compare long distance rates for their area and fight back against higher fees by switching their carrier. The site provides a wide range of telecommunications companies which offer specially discounted rates and plans that charge as little as 4 cents per minute. The site also offers a comparison service that clearly outlines the rates and fees, so savings are easy to calculate. About LowerMyBills.com Web Site Overview LowerMyBills.com is the authority for saving money. This one-stop destination enables consumers to research, compare and instantly lower their monthly bills all on one site...for free. LowerMyBills.com offers savings via more than 100 service providers, and across 19 categories, including the following: Long Distance LowerMyBills.com can save users more than $400 a year on long distance. Quickly compare the best in nationally advertised and hard-to-find plans side-by-side, with all charges clearly outlined. It's easy to save as much as $35 a month. Great international rates are also available. Credit Cards LowerMyBills.com can save users $100's on finance charges. Find introductory rates as low as 0.0% - with no annual fees. The site offers low fixed rates, rewards, cash back and dozens of cards to choose from. Wireless/Cellular Service LowerMyBills.com users can get more minutes for less money. Sign up for prepaid and free phones. New phones purchased through the site will be customized according to your needs - ring tone, pre-programmed numbers, faceplate - LowerMyBills.com will do it for you. Insurance LowerMyBills.com users can get real quotes on auto, life, home, and renters insurance from the most reputable insurance companies in the country. We also provide quotes for auto warranties. Spend a few minutes to reduce your yearly insurance premium costs by up to 30%. Loans LowerMyBills.com users can find the lowest rate available on auto, home, and equity loans. Our ever-expanding national network includes 30 top lenders. Refinance an existing loan and save hundreds, or even thousands of dollars! Debt Relief LowerMyBills.com users can reduce their monthly credit card payments by up to 50% and become debt free much faster with the most reputable Credit Counseling companies in the industry. Internet LowerMyBills.com users can get a faster, more reliable connection for less! Quickly search & compare the best internet providers available in your area. Get high-speed access and surf the web up to 50 times faster. LowerMyBills.com (http://www.lowermybills.com) is the online authority for all Americans to lower their cost of daily living. The one stop destination enables consumers to quickly and easily research, compare and instant lower their monthly bills all at one site, free of charge. LowerMyBills.com offers savings via more than 100 service providers across 19 categories, including long distance, credit cards, auto loans, insurance and debt consolidation. To date, LowerMyBills.com has helped more than 500,000 American consumers save over $172 million. The site has been featured in Yahoo! Internet Life, The Wall Street Journal, USA Today and on CNN and talk shows such as The Other Half. The mission of LowerMyBills.com is simply to help every American household save money for the important things in life. I came up with the idea for LowerMyBills.com after my wife and I bought our first house. I was just plain frustrated trying to find the best offers for everything from insurance to long distance. It was not just frustrating, it was time consuming, and I could never be sure I was getting the best deal. To that end, LowerMyBills.com is a simple and intuitive Web site: you gather information, tailor a service to your needs and sign-up for the plan that is best for you all online. It is the first nationwide site that empowers you to lower all of your monthly bills - from insurance to long distance - all in one place. And it's free to use! Today, we help you save in fourteen different categories of unavoidable monthly bills. In the coming months, we will expand our coverage to 18 different categories. We're looking forward to saving you even more money in the future. Helping You Save, LowerMyBills.com attempts... to deflate your monthly expenditures by offering a comparison engine for services like... more Newsweek Sites You'll Like Compare rates in your area for long-distance and wireless phone.... more Parade Magazine Cyber Lower Bills From long-distance to credit card bills, the Cyberguy is here to... more KTLA-TV CH5 (WB) Los Angeles </p> </body>