Picking the right insurance is not an easy task for anyone. Everyone knows that they should compare but that is even difficult when you aren't sure what you are looking for. One thing that seems to be common with any type of insurance company is that the higher priced ones are usually the better companies. Surprisingly it is also a fact that the larger companies are not the ones with the lowest prices.When you are purchasing insurance the company...more
Who needs New Jersey car insurance? The answer to that is simple: any resident of New Jersey that wishes to legally drive their vehicle. Fines vary from area to area in the state, but driving without insurance will always incur a very hefty fine, generally quite a bit more than six months worth of insurance coverage would cost. Of course, staying out of the court system is not the only good reason for a person to carry car insurance. While the...more
Car insurance groups explained If you are budgeting for a new car, it is a good idea to consider the cost of insurance and factors that affect the overall cost of the car. It is important to find out which car insurance groups you are trying to fit into. A small tweak in the selection of your car could save you a lot of money in insurance premiums over the life of your vehicle. Just because you might think the car is boring doesn't mean it's cheap to insure! Cars are rated in groups from 1 to 50. These numbers are determined by the Insurance Group Rating Panel which estimates the risk you incur with the type of car you will be driving. The lower the number your model of car is in, the lower your insurance premium will be. By listing a certain vehicle within a car insurance group, buyers can budget for their long term costs by getting a rough idea of how steep their premiums are likely to be. Repair costs are the strongest consideration by the panel because repairs account for more than half of the money paid out on claims. However, there are several other factors to consider too. The price of a new car is also taken into account as it is often indicative of the cost of a...more
If you have decided to open a business in the Southwest, you may notice a number of unique challenges and opportunities. The weather is amongst the oddest in the country, switching between extreme heat and extreme cold with the season, and you have likely learned that the term "dry heat" is a cruel joke perpetrated on outsiders. However, your...more
Your home is your most prized asset as it is typically the biggest investment people typically make. Having adequate insurance to cover this valued asset is essential. There are two insurance options for a home; building insurance covers the actual structure while contents insurance covers the items within the structure. Ensuring that you are fully...more
Is it possible that tens of thousands of children died in U.S. hospitals from neglect? Johns Hopkins' researchers have published findings that a lack of health insurance may have led to nearly 17,000 deaths among hospitalized children in the U.S. in less than two decades.Their conclusion is based on more than 23 million hospital records between 1988 and 2005, which span 37 states. Other factors being equal, the investigation revealed that uninsured children were 60 percent more likely to die in hospitals than other children. The grim diagnosis was true regardless of a child's medical condition. According to the UCLA Center for Health Policy Research, many more children could suffer that fate today. In California, the number of children who were uninsured for all or part of the year jumped from 1.1 million in 2007 up to 1.5 million in just two years. California Health Insurance Keeps Children Covered Under Parents' PlanBefore the Affordable Care Act, tens of thousands of families were denied coverage for their children every year. Insurers were allowed to refuse to insure children with known health problems. The new law extends healthcare coverage to as many as 72,000 uninsured...more
While we understand that to invest in a unit trust carries certain risk, especially so when the unit trust carries lots of equity component and more so if the investment is on foreign market. A few of the most overlooked investments are insurance...more
Insurance is a fairly simple concept; you pay a company a certain amount of money in order to cover your own financial risks. In general the amount of money you pay, known as a premium, is far less than the amount paid out by the insurance company...more
Landlord building insurance can protect the building from damage Becoming a landlord is one of the most popular ways of raising income. But without landlord insurance, there may be a danger of losing out financially in the event of damage to...more
Landlord insurance offers cover for the owners of properties Knowing the type and level of insurance cover to take out is important in any situation where cover is necessary. If you are a landlord, then taking out the correct landlord...more
So, you have opted for the Gap Year for traveling! Well, that is great news. Then consider purchasing gap year travel insurance before you head out for your trip. Not all the countries offer same hygiene standards as UK and taking a Gap Year means...more
Getting Good Building Insurance If you have just bought a property with buildings already on it or are intending on building fixed structures, you probably need to have building insurance. Building insurance is cover against damages caused by...more