"I love you when you bow in your mosque, kneel in your temple, pray in your church. For you and I are sons of one religion, and it is the spirit."Kahlil Gibran
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Homeowners and Household Insurance
As a homeowner, you need two types of insurance to protect yourself against the unexpected. Homeowner's insurance covers the structure of your property, while household insurance covers the contents "your possessions". If you own a home, you need both ...
My Friends All Laughed When I Told Them What I Got My Wife for Valentines Day . A Life Insurance Policy?
“Okay. I'll admit it was not nearly as romantic as flying her parents and my parents all the way to Italy so that I could walk her to a beautiful plaza and scream at the top of my lungs how much I love this woman while draping a huge string of diamonds ...
Protecting the smallest member of your family: A step-by-step guide to pet insurance
Let's face it - Fido and Fluffy are an important part of your family. Do you want to have to assign a dollar value to them if they become sick or injured?That may well be the case if you don't have pet health insurance. Rising veterinary costs mean ...
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1. To get the cheapest car insurance available, you'll need to shop around. Get a quote from every reputable insurance company in your area. Although a company may offer a low rate, make sure they are customer driven and experienced. The last thing you want is to be working with a ruthless insurance company in your time of need.
2. Raise your deductible. Many deductibles are in the $300-$500 range. If you raise it slightly you'll see a reduction in your auto insurance rate. Even when people are slightly above their deductibles they pay out of their own pocket to reduce their premium. A higher premium ($750-$1000) can save serious money over the years.
3. Try to insure everything (house, second car, RV, boat) with one company. With everything insured with one company, it'll be cheaper overall and easier to manage. Also, have all of the drivers insured with the same company. You may get a loyalty discount.
4. Have you taken any driver's education courses in the last few years? This mostly applies to new drivers. If so, you likely qualify for a discount. Insurance companies want to know that you know the basics, and have studied the rules of the road. If you're older, you may want to take a refresher course in defensive driving or perhaps a skid control school. These are fun and educational.
5. Many insurance companies also offer a discount for students who maintain good grades in school. That's right. Some insurance companies offer discount of between 5%-10% for students who maintain a higher average.
6. If your car has airbags, ABS, or an anti-theft alarm you may qualify for a discount. It's simple. Airbags help keep you safe while in an accident. ABS helps you to avoid an accident and an anti-theft system prevents your vehicle from being stolen. All of these are good for the insurance company so they'll often lower your rate.
7. Drive responsibly. Insurance companies will lower the rate as you prove you're a good driver. Every year without an incident your premium should go down. Once you hit 25 your rate should get reduced by about 1/2. But if you've had a number of speeding tickets and accidents, get prepared for significantly higher rates.
8. Reduce coverage on older vehicles. There is no point in fully insuring a car that is not worth very much. If the car is only worth $3000.00, any significant damage will cause the insurance company to write off the vehicle. And you'll only get what the vehicle was worth wholesale. So you may get $1500.00 from insurance but your rates will increase on your next vehicle.
9. Try to purchase a "low profile" vehicle that isn't a target for thieves. The more likely your vehicle is to get stolen the more it will cost to insure. There are some great cars and trucks out there. If you really want lower rates stick with something conservative.
About The Author
Peter Johnson is the Chief Writer for http://www.all-about-car-selection.com.
pjohnson@all-about-car-selection.com
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Former Insurance Executives in Settlement TalksWall Street JournalBy CHAD BRAY And ASHBY JONES Federal prosecutors and lawyers for five former insurance executives accused of engineering a bogus reinsurance transaction to mask a drop in reserves at American International Group Inc. are in settlement talks, ... |
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TEXT-Fitch affirms Selective Insurance's ratingsReutersMay 25 - Fitch Ratings has affirmed Selective Insurance Group, Inc.'s (Selective) ratings as follows: --Issuer Default Rating (IDR) at 'A-'; --Senior debt at 'BBB+'; --Junior subordinated debt at 'BBB-'. Fitch has also affirmed the 'A+' Insurer ... |
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