4 Ways To Trim Auto Insurance Costs

If you’re in need of auto insurance, you may be a bit concerned about the cost. Most people do everything that they can to pay as little as possible for their insurance coverage. If you take a few extra steps before purchasing coverage, you cane save big. Take a look at the following information to better understand some of the ways to trim auto insurance costs.  Be Selective When Choosing a Car

5 Things To Know About High Risk Car Insurance

As a driver on the road, you need car insurance. Since car insurance costs money, you want to be sure that you have the most affordable insurance possible so that you can continue to hold onto the policy and pay for it each month. Most people are able to get the most affordable car insurance possible; however, you won’t be able to if you are considered a high risk driver. In this case, you will be required to hold high risk car insurance.

4 Types of Commercial Insurance You Need for Small Business Protection

If you are a business owner, you will want to work hard to protect your investment. The key to doing this is by getting the right amount of commercial insurance. Studies indicate there are 28 million small businesses in the United States today. Being able to stay in business is sure to be your biggest goal, and this means avoiding a financial disaster that could potentially happen by staying insured. Knowing the specific types of commercial insurance to get in order to protect your small business can be helpful.

3 Additional Types Of Auto Insurance To Consider

When buying a new auto insurance policy it can be difficult determining exactly what kind of coverage you should get, mostly because there are many different types of additional coverage options that all provide their own set of protections. Three additional auto insurance coverage types to consider are comprehensive, uninsured driver, and personal injury protection. Comprehensive Comprehensive insurance coverage is designed to handle any damage to your vehicle as a result of something other than an accident.

Home Insurance: 3 Risks Your Current Policy May Not Cover

If you’re a homeowner, you may wrongly assume that all injuries and claims that occur on your property will be fully covered by your home insurer. Unfortunately for you, assumptions can be dangerous and costly. Below are three risks that should not be assumed to be covered. Dog Bites While you might never expect your dog to bite, there are a number of unexpected circumstances which could lead to such a situation, so it’s important to know what your policy covers and what it doesn’t.

Three Proactive Ways You Can Lower Your Insurance Rate And Save Money Each Month

Everyone’s looking for ways to reduce their household spending, but lowering the amount that you pay each month doesn’t have to mean making sacrifices. Instead, you can look at your auto insurance bill, make a few simple changes, and end up paying less to be insured each month. The degree to which you lower your insurance bill depends on the specifics of your policy, but a handful of changes are easy for you to implement either on your own or with a bit of help from your insurance agent.

Wedding Insurance: What It Covers And What It Doesn't

According to The Knot, the average wedding costs a pretty little penny in today’s modern world. In fact, it costs as much as a brand new car (depending on what car model and make you purchase) at $31,213. Weddings will often cost more in large, metropolitan city areas than they do in small, rural areas. Plus, the colors, types of flowers, number of guests, types of food served and a variety of other factors will weigh heavily in the cost of a wedding.

Questions To Ask When Shopping For A Boat Insurance Policy

If you’ve recently bought a boat or are thinking about doing so in the near future, then of course you’ll also need to purchase an accompanying boat insurance policy. This way, you can protect your investment in the event that your boat is damaged or totaled. At the same time, there are many questions to consider as you shop for a boat insurance policy. By taking the time to ask the right questions, you can ultimately choose the best coverage for your needs.

Property and Liability Insurance in a Residential Care Setting

If you are about to go live in a residential-care or assisted-living facility, you might have decided to drop your homeowner’s insurance. After all, you’re no longer taking care of a home of your own, and the facility you move into should already have lots of insurance. It does, but that insurance covers only the facility and related events. It does not protect you or your own belongings in many cases.

3 Things You Need To Know About Insuring An Empty House

Homeowners insurance is vitally important for protecting your home from weather damage, vandalism, and theft. But did you know that your insurance may not cover you if you leave your home empty? Whether you’re a snowbird spending your winter months in another state, or a seller who moved to your new home before the old one was sold, if you currently have a property that’s standing empty, you may be at more risk than you know.

How Changing The Holder Of Your Life Insurance Plan Can Affect Its Tax Status

You take a life insurance policy so your loved ones or business partners enjoy a little more financial stability after you pass away, so it makes sense that many uses of the insurance payout are considered tax-free by the IRS. Unfortunately, there are many loopholes that make the tax status of the payouts unclear, even to the IRS itself due to a lack of coherent and clear internal rules. One of these problems arises when the policy switches  owners.

What You Need To Know About Usage-Based Insurance

The latest buzzword in auto insurance is usage-based insurance. You may also have heard it referred to as telematics, pay-as-you-drive, or pay-how-you-drive. Most of the major insurance companies have developed a version of this type of insurance, each with its own name to further complicate things. To make an informed decision as to whether or not a usage-based insurance option is right for you, get to know what it is and how it works.

Addressing A Couple Of Your Questions About Buying An Auto Insurance Policy

Being involved in an auto accident can be a painful and expensive event, and while auto insurance is designed to help protect you against these liabilities, these policies are often poorly understood by consumers. As a result, individuals may not understand a couple of important points when it comes to their car insurance policies, but learning the following two questions and their answers should help you to better understand this protection.

Should You Buy Your Car Insurance Online?

When you need to purchase a new auto insurance policy, you have two main choices: purchase it from a local insurance agent or get it online. Here are some things to consider if you want to purchase the policy online. There is No Waiting Time The lack of waiting for documents and spending less time shopping for insurance are major benefits of purchasing it online. When you want to learn more about the available policies and shop around for car insurance, you can do it at any time.

Four More Obscure Types Of Business Insurance Your Company May Benefit From

Every business owner knows that they need liability insurance, unemployment insurance and a variety of other insurance policies. But if it exists, there’s likely insurance to protect it – and there are some smaller insurance policies for less common risks that your company might need. Insurance policies for smaller items are often not very expensive, so they aren’t a huge line item on your business budget; they just offer some additional security.

How To Protect Your Home From Wildfires

If you live somewhere that is at risk of wildfires or forest fires, your home is at risk. While you should definitely have a homeowners insurance policy just in case your home is affected, there are also some other things you can do to protect your home. Know the Causes of Wildfires The first thing you can do to protect your home is educate yourself on the different causes of wildfires.

Securing Your Property And Staying Ship Shape - Preparing For A Marine Insurance Survey

An old, antiquated saying claims that the two best days in owning a boat are the day you buy the boat and the day you sell the boat. This joke, of course, refers to the potential costs in boat ownership, but fails to take into account the preemptive steps you can take to keep your costs down and promote protection of your property. Below, you’ll find a guide to some steps you should take to prepare your boat for an insurance survey.

Car Insurance Breaking the Bank? Two Tips to Help Lower Your Premium

Carrying automobile insurance is a critical part of owning a vehicle.  Although it may hurt to pay those expensive premiums each month, you will certainly be glad that you did in the event that an accident occurs.  However, sometimes the price to maintain insurance on your car can become so steep that you may wonder how you’re going to come up with the funds to pay for it.  Rather than continue to be bogged down by an excessively high insurance premium, use these tips to learn more about how you can get your payments down to a more manageable amount.

What Should I Know About Homeowner's Insurance?

As a person who owns their house, you’ll need to be sure that you are doing everything possible to protect your home. One of the most practical ways to do this is to purchase a homeowner’s insurance plan, which is something that every homeowner should have. To learn about what homeowner’s insurance covers, the types of plans available and more, consider some of the following information to guide you.  What will a homeowner’s plan cover me for?

Can A Security System Reduce Your Homeowner's Insurance?

In today’s world, homeowner’s insurance is a must. Although it may feel comfortable to know that your home will be safe no matter what, having the right insurance can help prepare you for the incident of fire, flooding, or theft. For those that are looking for the best discounts on your policies as well as securing your home, investing in a home security system may be the option for you.

2 Ways To Prevent An Accident To Keep Your Auto Insurance Premiums Down

If you have an accident, in most cases your premium goes up. To keep this from happening, learn ways you can prevent having a car accident. Of course, there is no way to completely prevent this from happening, but these two ways can help. Road Rage Getting mad at other drivers is common, but road rage takes it to another level. For example, if the driver ahead of you is driving under the speed limit, you may get so angry that you pull up as close as you can to their bumper.

The Business Continuity Plan: Don't Be Caught Without One

Thousands of businesses each year have their operations interrupted by a number of different causes. These include natural disasters, emergencies, floods and fires. There are approximately 6,000 office fires alone each year, part of 90,000 non-residential structural fires. Additional risks to businesses today rest in the loss of digital files and records from a failure of or attack on IT resources. Even if the total physical damage from a disaster is limited, it can cause a total shutdown if a company’s computers are damaged or destroyed.

Top Tips For Comparing Homeowner's Insurance Quotes

If you’re like most people, you probably didn’t shop around much for your homeowners insurance quote; with everything else involved in the purchase of a home, you likely took a policy from your current insurance company or a company recommended by your realtor or mortgage broker.  While this is a common - and easy - way to get the required insurance in place to buy a house, it’s not the best way to save money on your insurance.