Insurance

September is National Life Insurance Month. A family really cannot do without life insurance. Being young is the best time to buy life insurance. The younger you are the less you will pay. You need life Insurance before it needs to be used, meaning before it needs to be used on your behalf. If you

Auto insurance can be an expensive bill for many people each month. Some people can barely even afford it, or worse – try and go without it, despite it being illegal to do so. Trying to obtain really cheap car insurance is something into which drivers put a lot of time and effort. While using

During your research of house and property insurance companies, you should always focus on a variety of factors and not just price. Even if you’re looking for “cheap home insurance”, you should not settle with whatever the lowest rate is, since you might end up paying more in the long run. Factor in the deductible

Being pulled over and not having any insurance to show the officer is going to cause you a lot of problems. At the very least, you’ll be fined a few hundred bucks for driving uninsured. Everybody is legally required to have some form of auto insurance in order to drive most vehicles, although the type

First, truckers, tractors, and trailers, are insured as commercial equipment and not automatically afforded the coverage extensions of a personal auto policy. Electronics, loading equipment, load securing equipment, rental reimbursement and personal property are insured differently and are not automatically covered. Commercial Auto Liability is pretty straight forward. If a trucker has ICC Authority, a

Getting the best car insurance rate can seem exhausting. This is made even more difficult when you consider that lots of insurance agents are reticent to volunteer information on the discounts and deductibles they have available. Getting the best car insurance rate, therefore, means arming yourself with the facts. 1) Compare Premiums The first thing

When it comes to determining the premium rates associated with different types of life insurance policies, there are a few factors that are usually considered by the companies. Two of the most important ones are interest and mortality. In addition to these, expense is another deciding factor that has a lot to do with the

Small business owners tend to be optimistic, and therefore often underestimate the amount of insurance they need. Accidents happen. There is always the possibility that someone could become injured due to negligence on your part or one of your employee’s part. Even if you do take measures to keep your physical property safe, you never

Unfortunately for Californians, the flooding this year is here. As predicted the rains have come from our long long drought. After three years, the rain gods have answered. A common misconception in California is that only the people in the Midwest need flood protection and that is a poor argument. Although the floods that we

Homeowners insurance is a type of insurance policy that protects owners against damages and losses caused by perils such a burglary, fire, lawsuits from visitors getting injured, extreme weather, and so forth. Your entire life can change in a minute. What if your house suddenly burns down? Or a once-in-a-lifetime flood or tornado comes through

Personality of the Insurance Agent Have conversations with prospective agents. Explain your situation and ask for a quote. Simply asking does not mean you have to work with them. This is a chance for you to get a feel for how they work and if you’re comfortable with them. There are 2 types of Insurance

The real nature of insurance is often confused. The word “insurance” is sometimes applied to a fund that is accumulated to meet uncertain losses. For example, a specialty shop dealing in seasonal goods must add to its price early in the season to build up a fund to cover the possibility of loss at the

Life insurance fraud is a black eye on both life insurance companies and life insurance customers. Both parties have been guilty of life insurance fraud and will be again–especially since, sadly, fraud seems to be on the rise according to most statistical measures. Research by the non-profit The Coalition Against Insurance Fraud concludes that life

Insurance and finance are closely interwoven fields of business, not least because they both involve money. They also often both involve speculation and risk, and often where one goes, the other will follow. Take property investment for example, it involves a large amount of capital out lay, swiftly followed by insurance to protect the capital

Some Medicare members are unhappy with their health care coverage. They enrolled in Medicare mistakenly believing that it would cover all of their health and medical expenses. They have not only been disappointed when hearing that many products and services are not covered but have also been left in financial trouble because of it. Recently,