Before you purchase life insurance, you need to understand the different terms. Understanding the different life insurance terms will help you find the right type of insurance for your needs and help you understand the differences in pricing. Here's a look at the basic key terms that you need to understand right now. Term Life Insurance Term insurance is for a specific period (known as a term). You can set that when you purchase the insurance, whether it is for 15 years, 20 years or even 30 years.
20 July 2016
Do you have a summer driver – a car you only use during the summer months but park for winter, or vice versa? If so, you may be paying to much for your auto insurance if you keep it covered year-round. The following guide can help you determine the best insurance strategy for your specific needs. Insurance options When it comes to insuring your vehicle during the off-season when it isn't being driven, you have three main options:
6 June 2016
A car break-in can result in multiple types of loss. There is usually damage to the vehicle, since thieves tend to take the easiest option and break the glass. Then, there is the property loss involved, which can range from items in the car to the removal of accessories, like a stereo. Finally, you have to deal with the loss of confidence in your car's security. Knowing what to do next is important to ensure you get the coverage you are owed.
15 May 2016
If you have recently bought a new home, you should ensure that it is adequately protected. Having home insurance means that the investment that you have made in the purchase of this home is going to be protected. Here are three mistakes to avoid when purchasing home insurance to ensure that you make the right choice when it comes to proper coverage: Buying Based on Price Many homeowners make the mistake of purchasing home insurance from companies that offer the lowest rates.
3 May 2016
Everyone makes mistakes, and speeding is something many people do. It could be something minor like being just over 10% of the allowed speed or it could be something more dangerous. Whatever it is, it could affect your car insurance. To make sure you're protected, here are three things that you can do. Know Where the Information Goes The first thing to understand is that the police won't send the information about speeding directly to your insurance company.
3 May 2016
Many people don't know about the wide range of items that homeowners insurance can cover outside of structure damage and liability. Often, you may not realize you're covered for these things unless you ask your agent or you do some research. You may never need to use some of that coverage, but it is good to know you have it just in case. Here are three things that may be included in your homeowner's insurance, without extra charge, that you may not know about.
18 April 2016
When you buy a motorcycle, you need to purchase insurance, just like if you had bought a car or truck. As with any other type of insurance, it is good to know what to expect, what might be covered, and where you need a little extra coverage. Here are some areas of coverage to make sure you have in your policy Bodily Injuries and Motorcycle Damage Make sure your motorcycle insurance policy includes coverage both for injuries to yourself and damages to your motorcycle.
12 April 2016
As a driver, it's always beneficial to know about the different ways that you can work toward lowering your auto insurance rate. An ideal way of doing so is simply by being a safe driver. Depending on your insurance provider's policies, you can often get a significant rate drop if you stay out of accidents for three years and another rate drop when you reach the five-year mark. If you live somewhere with a wintry climate, you need to take extra precautions to keep safe when the roads are snowy or icy, as weather-related elements can often increase the risk of driving.
25 March 2016
Adding your teenager to your automobile insurance policy can be expensive. While surprising to hear, your new teen driver can increase your insurance premiums by 80 percent. Of course, this increase is necessary to protect your vehicle and your new driver, but safe driving and responsible decisions will prevent further increases due to tickets and accidents.When buying your new teen driver a vehicle, focus on safety and not the vehicle's appearance.
9 March 2016
As a business owner, you probably like to provide your employees with the best benefits that you can. One area that your company might be lacking in, however, is providing ample health insurance. If you haven't yet thought about shopping around for better health insurance coverage to provide to your employees, you should know about these benefits that you can enjoy if you do so. 1. Attract Better Employees First of all, you should know that you can attract better employees if you offer good health insurance.
23 February 2016