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Top Five Homeowners Insurance Tips
Your home is likely your most valuable asset-make sure you protect it. While insurance agents will help determine the kind of coverage you can buy, it is ultimately your responsibility to know what the policy covers.
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Understanding Homeowners Insurance
Since the typical customer maintains their homeowners policy for more than ten years with the same insurance company, it is important to periodically refresh your understanding of what the policy covers. Since the majority of customers buy through a local agent, one of the best ways to stay educated about your homeowners insurance policy is by asking the right questions to get the most out of discussions with your insurance agent.
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Understanding Your Auto Policy
While everyone that drives in this country has to have some form of auto insurance by law, many do not understand the basics of their policies. While we don't all have to be auto insurance experts, it is important to at least comprehend the major bricks that build our auto insurance policies.
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Does My Credit Affect My Insurance?
We all know that our credit histories will affect whether or not we get the loan we need to buy a house (or car, boat, etc.) or refinance an existing loan, but what most people don't realize is that credit histories can also affect how much we pay for auto insurance.
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How To Drive Safely In Bad Weather
Winter is upon us, which means bad weather and dangerous driving conditions are common. It is more important than ever to practice safe driving techniques in typical winter weather conditions such as rain, wind, snow, ice, sleet and fog. It is even more important to practice safety in extreme weather conditions such as hurricanes, tornados, torrential rain/snow and electrical storms.
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Parents-Do You Properly Protect Your Children In The Car?
While the use of child restraints is up in the U.S. (restraint use has increased from just over 50% to nearly 72% since the mid-1990s for children under 60 pounds), a recent government study (conducted by the U.S. Department of Transportation's National Highway Traffic Safety Administration or NHTSA) shows that nearly 73% of child restraints are misused.
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Vehicle Rollover Risk
While accidents that involve vehicle rollovers are relatively rare, you should be aware of the risk-especially if you drive a sport utility vehicle (SUV). Statistics indicate that SUVs are three times more likely to be involved in a rollover accident than passenger cars. And, if a rollover does occur, occupants riding in SUVs are most at risk.
Some SUVs pose a greater risk than others. -
Driving Tips- SUVs vs. Cars
Driver reaction is a critical factor in preventing any accident, but in an SUV, driver input can play an even greater role. That's because SUVs are larger, heavier, and sit higher off the ground. In short, SUVs are not as agile as passenger cars. Because of these factors, SUVs are more than three times as likely to roll as passenger cars (To learn more, read Vehicle Rollover Risk: What You Should Know).
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10 Easiest Ways to Lower Your Car Insurance Rates
With all the expenses one has in regards to their car- gas, maintenance, and of course car insurance; you auto insurance could be the easiest one to save money on. Taking time to review your policy, taking time to compare multiple quotes, and raising your deductible are just some of the ways you can start saving on car insurance.
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Adding a Teen Driver to Your Auto Insurance Policy-5 Ways to Cut Costs
Getting a drivers license is a right of passage that every kid looks forward to, and leaves many parents frantic. Adding a teenage driver onto your car insurance policy will inevitably raise your rates, since teens are more of a liability to insure. However, there are still ways you can save on your car insurance even while having your teenage driver on your policy.
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Assessing Insurance Needs For Older Citizens
DENVER--Michael Snowdon, CFP, CMFC, and the CFP Program Manager at the College for Financial Planning, has a list of what once were conventional wisdoms: The earth is flat. The sun orbits the earth. Man will never fly. Smoking soothes the throat. Snowdon would like to add one more to that list:
Older people don't need life insurance. -
Burglarproof Your Home Before You Travel
As you plan your next vacation, take five minutes to review these simple, yet often overlooked home safety practices that deter burglars from breaking into your house. Your home will appear to be lived in whether you are away for only a weekend or for weeks at a time.
Make Your Home Appear Lived-in
Install automatic timers to turn lights and radios on and off at appropriate times.... -
Choosing an Insurance Provider
Prices and customer service can vary significantly between insurance companies, and choosing the right carrier to suit your personal needs can make a significant difference should you ever have to file a claim. Following the four simple steps below will help to ensure that you select the right policy and insurance company at the right price for you.
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Factors That May Affect Life Insurance Part Four
This article concludes our four part series on how various underwriting factors can contribute to your life insurance costs. In the past three articles, we've covered how weight, cholesterol, blood sugar, asthma (including other breathing disorders), and alcohol abuse can affect life insurance costs. This month will focus on how extreme sports and activities can impact the amount you pay for life insurance.
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Factors That May Affect Your Life Insurance Costs - Part Two
Over the next few months, we will be identifying various factors (called underwriting factors) that may have an impact on your life insurance costs. This month's article will focus on how asthma and other breathing disorders can impact your rates. Check back in future months to see how other underwriting factors can affect your life insurance costs.