2020

  • How To Balance Auto Insurance Premiums Against Coverage

    One of the biggest concerns people have with auto insurance is trying to minimize their premiums while also getting the most coverage possible. It's critical to get the balance right because you don't want to be caught with too little coverage and paying for repairs or even claims out of pocket. How does a motorist strike that balance, though? Establish How Much You Can Pay Out of Pocket The first step in answering this question is to determine what you can afford to pay out of pocket if something happens.
    [Read More]

  • Useful Steps When Seeking SR22 Insurance

    If you've unfortunately shown that you're a high-risk driver — meaning you've gotten into accidents or received a lot of tickets — then you may be asked to get SR22 insurance. It's a type of certificate proving you have enough insurance coverage. If you're pursuing this certificate, remember these tips. Make Sure It's Required First Before you fill out forms to get an SR22 insurance certificate, make sure it is indeed required.
    [Read More]

  • Does It Cost More To Insure A Brand-New Car?

    When you trade your older car in for a brand-new vehicle, should you expect to pay more for your insurance? Most people would assume that it will cost more to insure a brand-new car, but this is not always the case. It might cost more in some cases. In other cases, though, it might cost less. Here are several things to understand about the cost differences for insuring an older car and a newer car.
    [Read More]

  • If Your Policy Has Lapsed, Take Action Now

    In order to ensure you are operating your vehicle under the terms of the law and that your vehicle is protected, you want to maintain continuous car insurance coverage. However, there are instances when an auto insurance policy may lapse. If you find yourself in this sort of situation, make sure you know what to do. Find Out Why the Coverage Ended As soon as you discover that your policy has ended, you need to contact the insurance company right away to find out why it has happened.
    [Read More]

  • Ways To Save With A Health Insurance Plan When Working For Yourself

    Health insurance is a necessary cost, but there are ways to mitigate this expense and make it affordable. If you need a health insurance plan and work for yourself, here's how to save on a plan. Step 1: Select an HDHP High-deductible health plans were created in 2004 to address increasing health plan premium costs, and these plans have become increasingly popular over the last 16 years. In 2016, 29 percent of the United States workforce was covered through one of these plans.
    [Read More]

  • Understanding The Parties Listed On An Insurance Policy

    Every person and business involved in an insurance policy is listed within the policy's paperwork, and technical terms are used to describe each party's relationship to the policy. Here are some of the terms you might find in an insurance policy's papers and who each term refers to. Policyholder The policyholder is the person or business that actually owns the insurance policy. This is almost always whoever bought the insurance policy and paid its premiums, although you technically can buy an insurance policy and give it to someone else.
    [Read More]

  • 3 Things You Should Do When Looking For Cheap Car Insurance

    While auto insurance is something that you need in the event of an accident, it can be pricey. However, depending on things like your age, gender, and driving record, you can be on the hook for much more. For some, finding an affordable car insurance policy is a challenge. However, it's not impossible. Here are three things that you should do if you are looking for cheap car insurance.  Cast A Wide Net
    [Read More]

  • Employed As A Nurse? Why You Need To Have Your Own Medical Malpractice Insurance

    If you're a nurse, you may think that you don't require medical malpractice insurance, especially if you've noticed that most malpractice policies seem to be geared towards doctors. However, that's not actually the case. As a nurse, you're at risk for medical malpractice claims. Unfortunately, if you don't have adequate medical malpractice insurance, you may be at risk for financial disaster. If you're not sure that you need medical malpractice insurance, take a look at the information provided below.
    [Read More]

  • 3 Endorsements To Add To Your Home Insurance Policy

    Your homeowners insurance policy is something that protects you against perils that could damage your home, but if you do not have the right endorsements on your policy, there might be areas that are not covered. Adding endorsements is a way to add the right protections you need, and here are three that you might want to have with your homeowner's insurance policy. Sewer line coverage Have you ever experienced a problem with your home's main sewer line?
    [Read More]