If you would like to purchase whole life insurance, then hold on to one up to 15 years. If you cancel these policies after only two years of having them in your name it will mean double the insurance costs.Check the public library about life insurance in your state and get one that suits your personal savings.How to save on auto loansHow to Save on Auto LoansA smart investor knows he must seize every opportunity that comes knocking at his door - as long as it allows him to save more. Auto refinancing is appealing to those whose credit scores are of goodhistory. This is favorable for a buyer who has no negative records on his account whatsoever.Auto loans gives the buyer the opportunity to refinance their loan atterms that allows them to save their money. However, refinancing is not saving. At least not what most people deem it to be. Refinancing means reducing monthly payments in order to save a little extra money. Car refinance loans are useful indownsizing.Auto loans are just a click away, thanks to the Internet. Lendersspecializing in refinancing are online to assist possible clients about auto loans. One must submit an application before any negotiation takes place. Provide the same documents required when making a loan at any bank or establishment.But there are auto loan refinances that do not care even if you have a negative credit history. Refinancing at best rates are available if you have a clear record, but that does not mean that because you were a little off in paying at due time, you will not be able to get the auto loan that you are applying for. You still would but the rate won't be as good as opposed to you having a clear record.