The world of insurance is full of traps for the unwary. When you set off to buy your first policy, whether its for your vehicle, home, health or life, never assume you know anything. Always do some basic research to find out exactly what different types of cover are on offer, what they cost and whether they represent good value for money. Yes, its a real pain to go back to school but, if you walk blindly into a standard policy without reading it...more
Statistics are a wonderful thing when they tell you what you want to hear. So, its great to know some makes and models of car now go further on less gas. Its bad news to hear young men have the highest accident rates because that means they pay the highest premiums. Its good news to discover drivers in the age range of 55 through 74 have the lowest accident rates. Once drivers pass 75, their eyesight and reflexes are failing. Even though they may drive more slowly and take great care, their accident rate rises fast but never quite reaches the young male rate. So, in theory, reaching the magic age of 55 should see your premiums falling (or not rising when all the younger drivers get a premium increase). But life is never completely fair. Most of the time, you have to push to get your rights. Thats why it always pays you to get multiple quotes and, even more importantly, check the detail of what discounts are on offer for the older driver.Lets start with a simple rule. If you have retired and now drive less, you should be paying less. Look for the monthly/annual mileage options and check the one that applies to you. Looking slightly wider, some insurers offer even bigger discounts if...more
Looking around the US, all but three states mandate drivers to carry liability insurance. Some states have no-fault schemes. Others add in a requirement to buy a personal injury protection policy. As the healthcare reform bill was signed into law, many asked whether all insurance mandates were unconstitutional. This is a fun debating topic which...more
Ask any auto insurance agent or broker about their business and they will tell you that there's nothing like the competition you face in this domain. Forget about the good old days when only a couple of agents could work with an entire town, giving everyone the type of insurance they need. Today there could be a hundred of insurance agents fiercely...more
Doesn't it feel sometimes that when it comes to auto insurance it's like playing the game no one tells you how to play it right and where the rules are written without your consent? Well, to ease the situation, here are some auto insurance rules most insurance companies won't tell you about.1. If your credit rating is good you will have better rates..Most of the insurance providers, whether big or small, use credit information to determine the rates you will be charged with. That's because numerous studies have shown that there's a direct link between a person's credit rating and the probability that the very same person would file an insurance claim. Those who have poor credit scores tend to file claims more often than drivers with good credit reports. And we know how insurance companies don't like insurance claims. Tip: If your credit report is not that good, don't haste with buying auto insurance. First, make sure you have settled all your debts and closed unused credit lines. After doing this wait for a month and your rates will be much lower than you would expect. 2. The model of your car affects your premiums. Insurance companies don't disclose the exact methods they use to...more
Are you looking for insurance? There are many things to consider when shopping for insurance. You may need health insurance. Perhaps it is auto or home insurance. There is the possibility of life insurance also. You will find all of these at Aig...more
So, when you are planning to get a health insurance quote online just select the website that asks the basic question. Apart from this if the website is asking for deeper question like your address, features then you can straightaway move away from...more
With the current economic conditions, the money should be saved whenever possible. If your aim is to have adequate coverage and the cheapest rate of home insurance, you can do home insurance reviews. By doing home insurance reviews, you will know...more
What do America Ferrera and Jack Black have in common? Besides being Hollywood stars and known for their comedic prowess, the actress and actor are both working with a pro-healthcare reform group to protest against lobbyists seeking to weaken the...more
Insurance adjuster jobs is a task which people who is working in this task have responsible for managing the initial claim that has been charged when an auto collision take place, or a hurricane or damage in someone house. Insurance adjuster jobs...more
Although a high value home insurance plan could be more expensive than the usual typical home contents product, it's really a moderately small amount to pay for the advanced level of cover provided for all of your precious possessions.The Benefits Of...more