Automobile insurance is a term given to an insurance policy that covers and abides to seize the risk of financial loss due to an accident involving you and your vehicle. Your Auto insurance company pays most of the cost used in the repair and replacement of the damages. After buying a car the most important thing you need to do is to get your vehicle insured, not because the law forces you to do it but because it benefits you in the future. Generally people avoid spending money on buying an auto insurance policy and instead buy a simple auto insurance policy which at the time of need proves to be useless and makes them spend much more. So it is important that you choose your auto insurance very carefully.
If you search the internet you would find that there are a large number of auto insurance companies in the market, so to start with you must evaluate the automobile insurance quotes that they offer. Every company has a number of policies depending on the cover they offer and so they have different automobile insurance quotes. You must select one according to your needs and future prospects as well. While selecting an automobile insurance policy you can always take the help of state insurance department that maintains a list of all the auto insurance companies in the state and their rates. You must also have a look at the feedback and complaints about the company in the matters of providing cover.
While purchasing a new auto insurance policy you must remember to cancel the older one as you would not want to pay for two. You can also seek advice from your friends regarding the auto insurance they are using. You must remember to read the auto insurance policy carefully before buying.
Your safety is totally in your hands. Drive safely!
Thứ Hai, 21 tháng 12, 2009
Thứ Năm, 26 tháng 11, 2009
Builders Risk Insurance Explained
Builders risk insurance is an exclusive kind of property insurance that provides coverage against any kind of damage to buildings that are under construction. During construction, the building that is being built is exposed to many kinds of risks that can result in heavy loss. The building can be adversely affected due calamities or accidents therefore it is very important to get it insured.
As most of the times builders or building contractors are held liable for any kind loss that occurs or happens during the construction, it becomes the responsibility of the builders to protect themselves by taking benefit of schemes like Builders risk insurance. Builders risk insurance usually provides coverage against losses that are caused because of fire, vandalism, lightning, wind, and other such forces.
Builders risk insurance of insurance provides no coverage against damage that occurs due to natural calamities like floods, earthquakes, tsunami, hurricanes, typhoons, tornados, cyclones, seismic activities, etc. This type of insurance also does not provide any type of protection against losses that are caused due to acts of war, or intentional acts of the owner. The maturity period of Builders risk insurance is limited to the construction phase only.
Builders risk insurance is usually taken by builders, building contractors, and property owners. It is totally depend on the construction contract and ownership of the property that who should buy the Builders risk insurance to get maximum benefit out of it. It is advisable for the people who planning a new construction on their property or thinking of renovating the existing structures for improvement must purchase a Builders risk insurance policy.
Although, buying a builders risk insurance policy is a little complicated in comparison to the regular property insurance policy. It is recommended to gain proper knowledge before making the decision to get a deal that provides maximum benefit at minimum cost. The best way to get the best deal is to compare insurance quotes of the top listed insurance companies. You can also take an insurance brokers or insurance agents advice to gain proper information on the latest insurance schemes available.
As most of the times builders or building contractors are held liable for any kind loss that occurs or happens during the construction, it becomes the responsibility of the builders to protect themselves by taking benefit of schemes like Builders risk insurance. Builders risk insurance usually provides coverage against losses that are caused because of fire, vandalism, lightning, wind, and other such forces.
Builders risk insurance of insurance provides no coverage against damage that occurs due to natural calamities like floods, earthquakes, tsunami, hurricanes, typhoons, tornados, cyclones, seismic activities, etc. This type of insurance also does not provide any type of protection against losses that are caused due to acts of war, or intentional acts of the owner. The maturity period of Builders risk insurance is limited to the construction phase only.
Builders risk insurance is usually taken by builders, building contractors, and property owners. It is totally depend on the construction contract and ownership of the property that who should buy the Builders risk insurance to get maximum benefit out of it. It is advisable for the people who planning a new construction on their property or thinking of renovating the existing structures for improvement must purchase a Builders risk insurance policy.
Although, buying a builders risk insurance policy is a little complicated in comparison to the regular property insurance policy. It is recommended to gain proper knowledge before making the decision to get a deal that provides maximum benefit at minimum cost. The best way to get the best deal is to compare insurance quotes of the top listed insurance companies. You can also take an insurance brokers or insurance agents advice to gain proper information on the latest insurance schemes available.
Thứ Tư, 4 tháng 11, 2009
Nonprofit
While the library has always been a nonprofit organization, the last year or so has been non-profitable for many across all business sectors. At a national meeting of insurance educators, it was revealed that most of the schools experienced a 20% or more drop in enrollment. This was attributed to employers being less willing or able to pay for education and employees, unsure if they will still have a job, not being willing to pay for the education and hope for reimbursement when they've completed it.
We have had several individuals and firms drop their memberships, despite how much more cost-effective it is to leverage the library's many subscriptions instead of having to subscribe to them separately. One member told us that they had not renewed their membership "for budgetary reasons, i.e. the evil geniuses / scoundrels of Wall Street negatively affected our business."The library, too, has directly felt the effects of the market decline. We rely on memberships, class enrollments, and endowments to fund the provision of our services. Those endowments are invested and when the market dipped, so did our accounts.
Despite the poor economic atmosphere, the library still manages to provide services at the same level to our students, members and to the public. We have maintained a full course schedule, giving member discounts to those who are unemployed and maintaining the high standards for which we're known.
In the face of budget constraints, the library still maintains subscriptions to most of the leading insurance publications, and we've continued our commitment to preserving our historical collection (this is especially assisted by generous donors who support our adopt a book program and amazon wish list)
Consumers are more hesitant than ever when choosing an insurance company and the library is more than happy to help them through the maze of available information. When appropriate, we point them in the direction of the Division of Insurance, and The NAIC consumer information source (which provides consumer complaint information) to help them make insurer choices. We also assist them with Financial Stability Ratings so they can gauge what companies are likely to stay in business in the future and be financially able to pay claims.
This week we've had several new people and organizations join the library; twelve class sessions have met; and the stock market has improved. Clearly, this is all great news for the library, and we like to think bodes well for the economy in general. As an organization that has weathered The Great Depression and now what could be referred to as a Dysthymic Economy, we plan to stick around, no matter what the outlook, for quite some time.
On a completely separate note, we wanted to include one last picture from our big event --it's my personal favorite from all eight years, we hope you enjoy it too.
Thứ Hai, 26 tháng 10, 2009
In This Case, You'll Have to Settle for 1,000 Words
We're new to this blogging thing, and have only had a digital camera for the last six months. . . these are the excuses we're using for why we forgot to take pictures at Friday's wine and cheese reception for the Society of Risk Management Consultants. It may also be because we were too swept up in the fun; multiple tours were given of our facility, and there was plenty of lively discussion of insurance related issues, not to mention a fair amount of wine and cheese consumption.
We did promise pictures though, and we always deliver on our promises. We've managed to post the pictures for the Insurance Professional of the Year Award Ceremony earlier than we planned. If you're interested in taking a look at all of the pictures, please just click over to our shutterfly site. The library will continue the tradition started last year and make a photo book that will be available for perusal at next year's event (we don't have an exact date yet, but it will be sometime next fall, stay tuned for more information).
The sponsor board which was located outside of the entrance to the event. These
generous sponsors help make the event possible.
generous sponsors help make the event possible.
The Award, it's hard to see the beautiful dupioni silk matting and the hand
lettering in this picture, but trust us, it's gorgeous.
lettering in this picture, but trust us, it's gorgeous.
The award winners past and present (not pictured are Ronald Mariano and John B. Conners).
The awarding of the award, by president of The Library's Board of Trustees, K. Douglas Briggs.
Each year, CAR has generously donated a portrait of the winner which is hung in the library for a year and then given to the award winner. Above, Ralph "Buddy" Iannaco, president of Commonwealth Automobile Reinsurers and 2005 Insurance Professional of the Year Award winner is presenting Richard W. Brewer with his portrait.
Again, more pictures are available on the shutterfly site we've created.
Thứ Tư, 21 tháng 10, 2009
Don’t Pay More For Your Insurance - Go For Online Insurance Quotes
Everything has gone online nowadays which you can find over the internet. There is much useless stuff available online that many people find for free to be worthless over the internet. Online insurance quotes are also available for free and many people believe that they are also useless but actually they are the exceptions to rest of the stuff online. There are many reasons that set them apart from much other useless stuff available online.
There are so many insurance companies such as Campbellsolberg, an American insurance company, Lombard insurance company, and prudential insurance company that want you to insure with them. It is very costly for them to get good prospects. So online insurance quotes gives them an easy and convenient way to give quotes to their customers. It is beneficial for both you and the company. Company saves a lot of money and you get the best quotes without much of besets.
Online insurance quotes are also very useful as they allow you to compare different quotes from different companies in just about 2 to 3 minutes and help you choose the best one to make savings. This would have been a lot of time consuming task if done otherwise as you will have to collect quotes from different companies and then compare them manually. Campbellsolberg provides its customers with this facility to make their tasks easier. Not only it provides the online quotes but also offers the best price in the market for any type of insurance that you want to avail.
It’s also very convenient as you can get home insurance quotes online as well as many other insurance quotes such as auto insurance quotes and disability insurance quotes just right from your bedroom.
Don’t just pay more like a fool. Choose the best insurance that suits your pocket. You can get insurance quotes and related information at http://www.campbellsolberg.com/.
There are so many insurance companies such as Campbellsolberg, an American insurance company, Lombard insurance company, and prudential insurance company that want you to insure with them. It is very costly for them to get good prospects. So online insurance quotes gives them an easy and convenient way to give quotes to their customers. It is beneficial for both you and the company. Company saves a lot of money and you get the best quotes without much of besets.
Online insurance quotes are also very useful as they allow you to compare different quotes from different companies in just about 2 to 3 minutes and help you choose the best one to make savings. This would have been a lot of time consuming task if done otherwise as you will have to collect quotes from different companies and then compare them manually. Campbellsolberg provides its customers with this facility to make their tasks easier. Not only it provides the online quotes but also offers the best price in the market for any type of insurance that you want to avail.
It’s also very convenient as you can get home insurance quotes online as well as many other insurance quotes such as auto insurance quotes and disability insurance quotes just right from your bedroom.
Don’t just pay more like a fool. Choose the best insurance that suits your pocket. You can get insurance quotes and related information at http://www.campbellsolberg.com/.
Choosing The Auto Insurance Quotes That Works For You
The ever evolving information and communications technology has made our lives easier. You can now order food from restaurants just by surfing the web, book a hotel accommodation online, manage your bank accounts with just a click of the mouse, bid for a sought-after action figure, and many more. What is more, you can even go online to ask for free auto insurance quotes.
Take it or leave it, you need some sort of auto insurance coverage. For the uninformed, the law mandates all drivers to insure their vehicles. Get caught without one and you are a dead meat. Not only will you pay a fine, it will also be your responsibility to pay all the bills if you got involved in a road mishap. Do not take it for granted, the stakes are just too high.
Many experts say that surfing the web for quotes online is a better decision than visiting company offices. Getting them online saves you from having to deal face-to-face with agents only to find out that what they offer is not what you need, which can be very frustrating and time consuming. So, one of the many advantages of collecting free auto insurance quotes via the Internet is that it will save you a huge amount of time and energy.
But be very careful when asking for quotes. Be sure that the companies you are dealing with are trustworthy and have a strong reputation. Do your research about the history of the insurer you choose by checking with state agencies. Doing a bit of research and taking much care will protect you against bogus insurers that offer fake policies. Another benefit of going online and getting free auto insurance quotes is that it allows you to save large amount of money. Usually, insurers offer free quotes as an extra service.
Companies can also save a great deal of money if you go to their sites and ask about their policies. For one, they do not have to appropriate a large portion of their budget on the agent’s salary. In addition, online interaction with likely customers is much cheaper than hiring agents. These savings allow insurers to provide free auto insurance quotes to those going to their sites.
When getting free auto insurance rate quotes online, keep the following information handy, in addition to your name, address, age, gender: the model of the car you are insuring and the license plate number. Insurance use such information in determining the policy that will best fit your needs.
source by http://www.autoquotenow.com/articles/automobile-insurance-quotes
Take it or leave it, you need some sort of auto insurance coverage. For the uninformed, the law mandates all drivers to insure their vehicles. Get caught without one and you are a dead meat. Not only will you pay a fine, it will also be your responsibility to pay all the bills if you got involved in a road mishap. Do not take it for granted, the stakes are just too high.
Many experts say that surfing the web for quotes online is a better decision than visiting company offices. Getting them online saves you from having to deal face-to-face with agents only to find out that what they offer is not what you need, which can be very frustrating and time consuming. So, one of the many advantages of collecting free auto insurance quotes via the Internet is that it will save you a huge amount of time and energy.
But be very careful when asking for quotes. Be sure that the companies you are dealing with are trustworthy and have a strong reputation. Do your research about the history of the insurer you choose by checking with state agencies. Doing a bit of research and taking much care will protect you against bogus insurers that offer fake policies. Another benefit of going online and getting free auto insurance quotes is that it allows you to save large amount of money. Usually, insurers offer free quotes as an extra service.
Companies can also save a great deal of money if you go to their sites and ask about their policies. For one, they do not have to appropriate a large portion of their budget on the agent’s salary. In addition, online interaction with likely customers is much cheaper than hiring agents. These savings allow insurers to provide free auto insurance quotes to those going to their sites.
When getting free auto insurance rate quotes online, keep the following information handy, in addition to your name, address, age, gender: the model of the car you are insuring and the license plate number. Insurance use such information in determining the policy that will best fit your needs.
source by http://www.autoquotenow.com/articles/automobile-insurance-quotes
How To Get Automobile Insurance Quotes
A lot of car owners are afraid to deal with hard selling insurance underwriters that they balk at the thought of calling insurance companies for automobile insurance quotes. Some underwriters can be very persistent that they end up calling you almost everyday. The whole thing can be downright annoying and many of us simply do not have time or patience to deal with such kinds of distractions. Since most of us do not like to deal with hard selling underwriters, we do not bother getting auto insurance quotes at all.
Regrettably, not getting the right information regarding our insurance policy can be just as bad as being badgered day and night by a persist insurance agent. You see, when we refuse to get relevant automobile insurance quotes and compare premium prices, we lose the opportunity to save money. Come to think of it, there are literally hundreds of auto insurance companies out there who are competing against each other. This kind of competition can drive the prices of premiums to its lowest level. If we take time to compare the prices of premiums, we may be able to save around 50% on the cost of our premiums. Yes, we can save that much if only we take time to compare prices and negotiate for better terms and conditions with our insurers.
Now, the question is how can we get the best automobile insurance quotes and make informed decisions without dealing with insurance agents? Using the internet is one of the best ways to dodge off agents. If you want to get car premium quotes, just send an email to the surety company. Yes, the company will probably give your email address to one of their agents, but if you do not provide your contact number and your home address to a company, aside from sending your emails, agents will have no other way of getting in touch with you. Technically, getting regular emails from an underwriter is not as bad as getting calls from him or her everyday.
Aside from getting automobile insurance quotes through the internet, you can also get information through brochures and handbills. Many car dealers display brochures and handbills of different insurance companies. Study these materials and compare the prices offered by different insurance companies. If you have some questions about the coverage offered by these companies, send them an email or call their toll free number. You do not have to provide the customer service officer your phone number and address when you call a toll free number so you are relatively safe in that area
source by http://www.autoquotenow.com/articles/automobile-insurance-quotes
Regrettably, not getting the right information regarding our insurance policy can be just as bad as being badgered day and night by a persist insurance agent. You see, when we refuse to get relevant automobile insurance quotes and compare premium prices, we lose the opportunity to save money. Come to think of it, there are literally hundreds of auto insurance companies out there who are competing against each other. This kind of competition can drive the prices of premiums to its lowest level. If we take time to compare the prices of premiums, we may be able to save around 50% on the cost of our premiums. Yes, we can save that much if only we take time to compare prices and negotiate for better terms and conditions with our insurers.
Now, the question is how can we get the best automobile insurance quotes and make informed decisions without dealing with insurance agents? Using the internet is one of the best ways to dodge off agents. If you want to get car premium quotes, just send an email to the surety company. Yes, the company will probably give your email address to one of their agents, but if you do not provide your contact number and your home address to a company, aside from sending your emails, agents will have no other way of getting in touch with you. Technically, getting regular emails from an underwriter is not as bad as getting calls from him or her everyday.
Aside from getting automobile insurance quotes through the internet, you can also get information through brochures and handbills. Many car dealers display brochures and handbills of different insurance companies. Study these materials and compare the prices offered by different insurance companies. If you have some questions about the coverage offered by these companies, send them an email or call their toll free number. You do not have to provide the customer service officer your phone number and address when you call a toll free number so you are relatively safe in that area
source by http://www.autoquotenow.com/articles/automobile-insurance-quotes
Why You Should Get Automobile Insurance Quotes Online
Having an automobile insurance is a principal requirement that comes with owning a car. Most local state laws require car owners to have auto insurance. Auto premiums, however, can be quite costly. Given the present global economic crisis, it is important to be wiser on your finances, especially in major investments like car coverage. That is why it is highly crucial for car owners to find the best deal they can on the coverage they need. This is where the importance of having automobile insurance quotes comes into play.
There are many ways available to get automobile insurance quotes, but the most reliable source of information needed before making a knowledgeable conclusion would be the internet. You ask yourself, “Why go online to look for auto insurance quotes?” Here are some important factors.
For starters, you can consider convenience as one major advantage. The advantage of searching online is that you can look for quotes without any hassles. It is possible to find all the information you need about auto insurance without leaving the comfort of your own home or office.
Another major advantage is how fast you can locate quotes online. Looking for the best quote for auto insurance online is easy, effective, and fast. You can find a good number of insurance companies and compare car premiums and coverage, as well as reviews and feedback from customers. Keep in mind that the important thing when it comes to auto insurance is your finances, so it is essential to get quotes from trusted and reputable companies with good track records.
Last, but not the least, finding auto insurance quotes online gives you assurance that you get the best deals appropriate for your budget and insures that you will not find yourself at a loss should you experience an auto accident.
To recap, three of the most important factors why you should get automobile insurance quotes online are convenience, speed, and assurance in knowing that your needs are being covered and you are definitely getting your money’s worth. You will avoid a lot of hassle and inconvenience common in finding car insurance quotes offline. You will be able to have peace of mind, knowing that your car is completely covered should unwanted and unexpected things happen that will require you to use coverage.
Comparing automobile insurance quotes is very important before deciding on signing up with an insurance company, especially in these tough times. Comparing insurance quotes online guarantees that you will find the best deal the fits your budget conveniently, fast and hassle-free.
source by http://www.autoquotenow.com/articles/automobile-insurance-quotes
There are many ways available to get automobile insurance quotes, but the most reliable source of information needed before making a knowledgeable conclusion would be the internet. You ask yourself, “Why go online to look for auto insurance quotes?” Here are some important factors.
For starters, you can consider convenience as one major advantage. The advantage of searching online is that you can look for quotes without any hassles. It is possible to find all the information you need about auto insurance without leaving the comfort of your own home or office.
Another major advantage is how fast you can locate quotes online. Looking for the best quote for auto insurance online is easy, effective, and fast. You can find a good number of insurance companies and compare car premiums and coverage, as well as reviews and feedback from customers. Keep in mind that the important thing when it comes to auto insurance is your finances, so it is essential to get quotes from trusted and reputable companies with good track records.
Last, but not the least, finding auto insurance quotes online gives you assurance that you get the best deals appropriate for your budget and insures that you will not find yourself at a loss should you experience an auto accident.
To recap, three of the most important factors why you should get automobile insurance quotes online are convenience, speed, and assurance in knowing that your needs are being covered and you are definitely getting your money’s worth. You will avoid a lot of hassle and inconvenience common in finding car insurance quotes offline. You will be able to have peace of mind, knowing that your car is completely covered should unwanted and unexpected things happen that will require you to use coverage.
Comparing automobile insurance quotes is very important before deciding on signing up with an insurance company, especially in these tough times. Comparing insurance quotes online guarantees that you will find the best deal the fits your budget conveniently, fast and hassle-free.
source by http://www.autoquotenow.com/articles/automobile-insurance-quotes
Automobile Insurance Quotes
Automobile insurance quotes online offer choices to the potential policyholder to make an informed decision about the best rates and coverage available. Costs may vary from company to company and the differences might be substantial. When obtaining an automobile insurance quote, be as accurate as possible in providing information to the company. A good quote will include applicable discounts available to the potential policyholder. Having a good driving record, good credit history, low mileage, location of vehicle, safety features on a vehicle as well as other considerations might cause discounts on rates. There are some factors, however, that might send the rates higher. Tickets, accidents, low credit score, high mileage or gaps in coverage could mean high-risk to the insurer and make for higher rates on premiums.
Acquiring sufficient coverage is important when applying for an online quote. Oftentimes when a vehicle is totaled the difference between payoff on the loan and the value paid by the insurer is less. Gap insurance will pay the difference between the payoff and what the insurance pays, if there is one. By requesting coverage quotes the policyholder can find out how to secure this coverage to protect their investment. Unless a sufficient down payment is made at the time of purchase there is usually a significant difference between loan amount and the fair market value of the vehicle. Before purchasing a policy, request automobile insurance quotes online in order to understand policies, terms and coverage limitations. Ask questions and give as much information to the insurer as possible when seeking an automobile insurance quote.
Good driving practices and financial habits can help a consumer receive lower rates on a quote. "So that thou incline thine ear unto wisdom, and apply thine heart to understanding." (Proverbs 2:2) Drivers should keep their eyes on the road while driving. It is not a good idea to talk on a cell phone or eat while driving. Drive safely by driving within posted speed limits. Stop at all red lights to prevent accidents. Pay bills on time to maintain good credit scores. Automobile insurance quotes will be higher if there are gaps in coverage. Driving less as well as not using the vehicle for business purposes will keep rates down when applying for insurance quotes. Lowering deductibles will save money on an automobile insurance quote. Having more than one vehicle on a policy usually qualifies for multi-car discounts. Launching a search on the Internet allows the potential policyholder to find the best deals on automobile insurance coverage.
source by http://www.christianet.com/autoinsurance
Acquiring sufficient coverage is important when applying for an online quote. Oftentimes when a vehicle is totaled the difference between payoff on the loan and the value paid by the insurer is less. Gap insurance will pay the difference between the payoff and what the insurance pays, if there is one. By requesting coverage quotes the policyholder can find out how to secure this coverage to protect their investment. Unless a sufficient down payment is made at the time of purchase there is usually a significant difference between loan amount and the fair market value of the vehicle. Before purchasing a policy, request automobile insurance quotes online in order to understand policies, terms and coverage limitations. Ask questions and give as much information to the insurer as possible when seeking an automobile insurance quote.
Good driving practices and financial habits can help a consumer receive lower rates on a quote. "So that thou incline thine ear unto wisdom, and apply thine heart to understanding." (Proverbs 2:2) Drivers should keep their eyes on the road while driving. It is not a good idea to talk on a cell phone or eat while driving. Drive safely by driving within posted speed limits. Stop at all red lights to prevent accidents. Pay bills on time to maintain good credit scores. Automobile insurance quotes will be higher if there are gaps in coverage. Driving less as well as not using the vehicle for business purposes will keep rates down when applying for insurance quotes. Lowering deductibles will save money on an automobile insurance quote. Having more than one vehicle on a policy usually qualifies for multi-car discounts. Launching a search on the Internet allows the potential policyholder to find the best deals on automobile insurance coverage.
source by http://www.christianet.com/autoinsurance
Thứ Hai, 19 tháng 10, 2009
A Whirlwind
Perhaps you've noticed the library hasn't posted lately? The annual Insurance Professional of the Year Award Ceremony took up so much of our time it was hard to stay on top of our research requests etc. let alone keep up with the blog.
The event was great (if we do say so ourselves). The winner was a popular choice and the speeches given were heartfelt and inspiring. Today, we're still playing catch up with some of our requests from Friday, but over all the schedule is back to normal. We should be able to post a link to pictures of the event in the next couple of weeks.Meanwhile, we're looking at a lovely bouquet of flowers kindly sent to us from the award winner (thank you) and working on planning a tour of the library and reception for the Society of Risk Management Consultants on Friday (more pictures to follow from that next week).
Thứ Năm, 8 tháng 10, 2009
All about Condo Insurance
A condominium or a condo is a large property or a housing place consisting of many individual units such as apartments where the units are individually owned and the common areas are shared as per the ownership. When looking for an insurance policy for condominiums, it is important to remember that the whole condominium cannot be insured instead individual units are insured because there are many owners of different units. The common areas are insured such that the responsibility of the insurance is shared by all the condo owners.
Condo insurance is just like a home insurance policy in which you insure each part separately and funds are collected from all the residents of the condominium and these funds are used to insure the shared areas of the condominium. The condo insurance policy consists of two parts: master policy and association rules. The individual units insured by each owner separately comes under the master policy and the collective insurance of the shared areas comes under the association rules. One of the very important things in getting your condo insured is to decide what all to include in the insurance policy and also the coverage you would like to have for it. Generally it’s better to look for the market value of the entity and to cover it you can use the half of the market value which provides money to repair the damages caused in case of any accident. The other damages occurred are to be paid by the owner himself as they come under his personal expense.
To find more on condo insurance, visit www.campbellsolberg.com
Condo insurance is just like a home insurance policy in which you insure each part separately and funds are collected from all the residents of the condominium and these funds are used to insure the shared areas of the condominium. The condo insurance policy consists of two parts: master policy and association rules. The individual units insured by each owner separately comes under the master policy and the collective insurance of the shared areas comes under the association rules. One of the very important things in getting your condo insured is to decide what all to include in the insurance policy and also the coverage you would like to have for it. Generally it’s better to look for the market value of the entity and to cover it you can use the half of the market value which provides money to repair the damages caused in case of any accident. The other damages occurred are to be paid by the owner himself as they come under his personal expense.
To find more on condo insurance, visit www.campbellsolberg.com
Thứ Ba, 6 tháng 10, 2009
Auto Insurance: The Protection You Need
On average, a motor vehicle crash occurs every 5 seconds, a person is injured in an accident every 11 seconds, and a fatal injury occurs every 12 minutes. Those are scary thoughts as you head out the door to school, work or to the store and convincing evidence of why auto insurance coverage is so necessary.
However, you can rest a little easier knowing that the crash fatality rate per 100 million vehicle miles traveled is the lowest it has been since record keeping began 30 years ago, registering at 1.46, and remained below 1.50 for the second consecutive year in a row. According to the National Highway Traffic Safety Administration's (NHTSA) 2004 Early Edition Report, the number of police-reported motor vehicle crashes occurring on the highways dropped to under 6.2 million from more than 6.3 million in 2003, and persons injured in these crashes continues to steadily decline as well.
This reduction is due in part to the national campaigns aimed at increasing safety belt use and reducing impaired driving. Currently the seat belt law is mandated in all 50 states, which greatly helped reduce the number of persons killed in auto accidents in 2004. The countrywide campaign for drinking under the influence has also greatly helped reduce alcohol-related fatalities for the second consecutive year in a row.
Time plays a big part.
Even with all these new preventive measures, accidents are still happening. This is why the focus has turned to on which days and at what time accidents are occurring. According to the NHTSA, Saturday and Sundays nights between Midnight and 3 a.m. are the deadliest 3-hours on the road, with a total of 2,451 fatal crashes in 2004, seventy-six percent of these accidents involved alcohol.
So you now know what time of day to try and avoid, but do you know that time of year? The Early Edition Report indicates that August topped the charts with the most fatal crashes in one month and December had the most overall automobile accidents, totaling 601,000- something to keep in mind during your vacation and holiday travels!
Your car can affect your car accident.
The vehicle you drive can also play a large role in your car accident. Passenger cars and light trucks accounted for nearly 95 percent of the 11 million vehicles involved in motor vehicle crashes in 2004. Large trucks only accounted for 15 percent of the vehicle accidents. In addition, we saw an increase in vehicles rolling over during an accident. Of the vehicles that rolled over, utility vehicles presented the highest rate at 36.2 percent in fatal crashes, 9.6 percent in injury crashes and 2.4 in property-damage-only-crashes. Regardless of the crash severity, the majority of these accidents occurred during daylight, in normal weather conditions, while the vehicle was going straight.
Protect yourself with auto insurance.
Accidents do happen, but you can follow some simple safety measures while driving. These include wearing your seat belt at all times, obeying the speed limit, being cautious of your surroundings and having auto insurance. By having auto insurance, you are able to protect yourself, your family, passengers and other drivers from incurring additional heartache and financial burden.
If you are in the market for auto insurance or would like to make sure you are receiving the best package for the price, logon to the Insurance.com's auto quote comparison tool . There, you'll be able to compare car insurance rates from up to 12 insurance providers, helping you evaluate various auto insurance premiums while helping you find the best package for your overall needs.
source by http://www.insurance.com/article.aspx
However, you can rest a little easier knowing that the crash fatality rate per 100 million vehicle miles traveled is the lowest it has been since record keeping began 30 years ago, registering at 1.46, and remained below 1.50 for the second consecutive year in a row. According to the National Highway Traffic Safety Administration's (NHTSA) 2004 Early Edition Report, the number of police-reported motor vehicle crashes occurring on the highways dropped to under 6.2 million from more than 6.3 million in 2003, and persons injured in these crashes continues to steadily decline as well.
This reduction is due in part to the national campaigns aimed at increasing safety belt use and reducing impaired driving. Currently the seat belt law is mandated in all 50 states, which greatly helped reduce the number of persons killed in auto accidents in 2004. The countrywide campaign for drinking under the influence has also greatly helped reduce alcohol-related fatalities for the second consecutive year in a row.
Time plays a big part.
Even with all these new preventive measures, accidents are still happening. This is why the focus has turned to on which days and at what time accidents are occurring. According to the NHTSA, Saturday and Sundays nights between Midnight and 3 a.m. are the deadliest 3-hours on the road, with a total of 2,451 fatal crashes in 2004, seventy-six percent of these accidents involved alcohol.
So you now know what time of day to try and avoid, but do you know that time of year? The Early Edition Report indicates that August topped the charts with the most fatal crashes in one month and December had the most overall automobile accidents, totaling 601,000- something to keep in mind during your vacation and holiday travels!
Your car can affect your car accident.
The vehicle you drive can also play a large role in your car accident. Passenger cars and light trucks accounted for nearly 95 percent of the 11 million vehicles involved in motor vehicle crashes in 2004. Large trucks only accounted for 15 percent of the vehicle accidents. In addition, we saw an increase in vehicles rolling over during an accident. Of the vehicles that rolled over, utility vehicles presented the highest rate at 36.2 percent in fatal crashes, 9.6 percent in injury crashes and 2.4 in property-damage-only-crashes. Regardless of the crash severity, the majority of these accidents occurred during daylight, in normal weather conditions, while the vehicle was going straight.
Protect yourself with auto insurance.
Accidents do happen, but you can follow some simple safety measures while driving. These include wearing your seat belt at all times, obeying the speed limit, being cautious of your surroundings and having auto insurance. By having auto insurance, you are able to protect yourself, your family, passengers and other drivers from incurring additional heartache and financial burden.
If you are in the market for auto insurance or would like to make sure you are receiving the best package for the price, logon to the Insurance.com's auto quote comparison tool . There, you'll be able to compare car insurance rates from up to 12 insurance providers, helping you evaluate various auto insurance premiums while helping you find the best package for your overall needs.
source by http://www.insurance.com/article.aspx
Thứ Ba, 15 tháng 9, 2009
Moving Right Along
As mentioned in our previous post, The Insurance Library Association of Boston's Insurance Person of the Year Award Ceremony is fast approaching. In the last couple of weeks, we've:
received the Award in the mail
and prepared it for framing
we've ordered tassels for the programs
and dusted off our seal
We've also started formatting the letter of congratulations to be published in the October 9, 2009 edition of The Standard. Starting in 2007, The Insurance Library and others in the industry published a letter of congratulations for the winner of the Insurance Professional of the Year Award in The Standard. While it is a fairly young tradition, we think it's a very visible demonstration of our pride that the winner is a member of our community. A copy of last year's letter can be seen on our website.
The letter is also a good way for individuals or companies who might not be able to attend the event to show their support for the winner. If you're interested in "signing" the letter of congratulations for Richard W. Brewer, either by having your logo included or your name printed under the letter, you can be added by clicking here. It is $125 and we must have all logo submissions by September 18, 2009 to ensure that our letter will make it in the October 9, 2009 edition of the standard.
Thứ Tư, 9 tháng 9, 2009
Auto Insurance – Not An Option But A Legal Necessity
Auto insurance is insurance for all kind of vehicles e.g. car, trucks.
If you own a vehicle, you need to get it insured as auto insurance is a legal necessity. Auto insurance protects you against financial loss if you have an accident.
Auto insurance policy basically includes the following six coverages:
1. Bodily Injury Liability
This coverage applies to injuries that you, the designated driver or policyholder, cause to someone else. You and your family members listed in the policy are also covered when driving someone else’s car with their permission. In the latter case, the coverage is given to you only if the injury is caused by you. It also covers legal costs that you may incur.
2. Personal Injury Protection (PIP)
This coverage pays for the treatment of injuries to the driver and passengers of the policyholder's car. It is also sometimes known as “no-fault” coverage.
3. Property Damage Liability
This coverage pays for damage you may cause to someone else's property. E.g. another vehicle and neighbor’s mailbox or fence.
4. Collision
This coverage pays for damage to your vehicle resulting from a collision with another vehicle or object. It includes a deductible amount which may vary from state to state. If you are at fault your collision coverage will reimburse you for the costs of repairing your car, minus the deductible. If you're not at fault, auto insurance company may try to recover the amount they paid you from the other driver’s insurance company. If successful, you'll also be reimbursed for the deductible.
5. Comprehensive
This coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object, such as fire, falling objects, explosion, earthquake, flood or contact with animals.
6. Uninsured and Underinsured Motorist Coverage
This coverage will reimburse you, a member of your family, or a designated driver if one of you is hit by an uninsured driver.
The auto insurance policy is a contract between you and the insurance company.
For more information visit http://www.campbellsolberg.com/
If you own a vehicle, you need to get it insured as auto insurance is a legal necessity. Auto insurance protects you against financial loss if you have an accident.
Auto insurance policy basically includes the following six coverages:
1. Bodily Injury Liability
This coverage applies to injuries that you, the designated driver or policyholder, cause to someone else. You and your family members listed in the policy are also covered when driving someone else’s car with their permission. In the latter case, the coverage is given to you only if the injury is caused by you. It also covers legal costs that you may incur.
2. Personal Injury Protection (PIP)
This coverage pays for the treatment of injuries to the driver and passengers of the policyholder's car. It is also sometimes known as “no-fault” coverage.
3. Property Damage Liability
This coverage pays for damage you may cause to someone else's property. E.g. another vehicle and neighbor’s mailbox or fence.
4. Collision
This coverage pays for damage to your vehicle resulting from a collision with another vehicle or object. It includes a deductible amount which may vary from state to state. If you are at fault your collision coverage will reimburse you for the costs of repairing your car, minus the deductible. If you're not at fault, auto insurance company may try to recover the amount they paid you from the other driver’s insurance company. If successful, you'll also be reimbursed for the deductible.
5. Comprehensive
This coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object, such as fire, falling objects, explosion, earthquake, flood or contact with animals.
6. Uninsured and Underinsured Motorist Coverage
This coverage will reimburse you, a member of your family, or a designated driver if one of you is hit by an uninsured driver.
The auto insurance policy is a contract between you and the insurance company.
For more information visit http://www.campbellsolberg.com/
Thứ Ba, 8 tháng 9, 2009
Back to the Books
It's that time of year again, the library is abuzz with classes starting and we're busy preparing for our seventh annual Insurance Professional of the Year Award Ceremony. As of today, the library has 30 tables spoken for, leaving only five up for grabs (you should definitely lay claim to a table soon if you're interested in attending). This Year's winner is a popular choice, Richard W. Brewer of Promutual Group.
We were asked awhile ago what made the Insurance Professional of the Year Award special. While it states on our website:
The Insurance Professional of the Year Award was preceded by the Boston Board of Fire Underwriters Man of the Year Award, which started in the 1950s. In the History of the Boston Board of Fire Underwriters, published on their 90th anniversary in 1955, it cites:
Richard B. Simches, founder of Safety Insurance Company, believed that it was important to recognize outstanding individuals in the Insurance Industry. He supported continuing the tradition started by the Boston Board of Fire Underwriters Man of the Year Award through The Insurance Library's Insurance Professional of the Year Award.
The Insurance Professional of the Year Award winners are chosen by a group of their peers. Members from a cross-section of the Insurance Industry meet to nominate the winner. Because of the selection process, award winners know they are being honored by men and women familiar with the industry and their work within it.
The Award was first given in 2002 to William F. Hofmann, III and has been awarded for the last seven years to professionals that have shown exemplary devotion to the insurance industry and to the betterment of their communities. You can visit our website to see a list of all of the award winners and read their contributions in their bios.
We are very proud of the award that has been established, but even more proud to acknowledge the incredible professionals in the insurance industry. Once a year, members of the industry come together to honor an individual "who demonstrates leadership and exemplifies those qualities that engender understanding of and respect for the insurance industry." We hope that you can be among those this year honoring Richard W. Brewer on this fine achievement.
We were asked awhile ago what made the Insurance Professional of the Year Award special. While it states on our website:
Made possible by the establishment of the Richard B. Simches Fund in 2001,the Insurance Professional of the Year Award is presented each year to a person who demonstrates leadership and exemplifies those qualities that engender understanding of and respect for the insurance industry.it may not be obvious what an honor this award is, nor from what tradition it stems.
The Insurance Professional of the Year Award was preceded by the Boston Board of Fire Underwriters Man of the Year Award, which started in the 1950s. In the History of the Boston Board of Fire Underwriters, published on their 90th anniversary in 1955, it cites:
Among the "firsts" pioneered by the Boston Board of Fire Underwriters or its members were: The Coinsurance Clause, The Demolition Clause, Use and OccupancyClearly, they valued the award, putting it among some very impressive "firsts." The award was presented every year at the Boston Board of Fire Underwriters anniversary dinner. It was a black tie affair that garnered much publicity. Below is an announcement of the 99th anniversary dinner which ran in the Boston Globe:
Insurance, The Agreed Amount Clause for benefit of fiduciaries, and, in more
recent years, The Fire Marshall Plan, Insurance Producers Council, New Standard
Fire Policy, The Greater Boston Fire Show and The Man of the Year Award.
Richard B. Simches, founder of Safety Insurance Company, believed that it was important to recognize outstanding individuals in the Insurance Industry. He supported continuing the tradition started by the Boston Board of Fire Underwriters Man of the Year Award through The Insurance Library's Insurance Professional of the Year Award.
The Insurance Professional of the Year Award winners are chosen by a group of their peers. Members from a cross-section of the Insurance Industry meet to nominate the winner. Because of the selection process, award winners know they are being honored by men and women familiar with the industry and their work within it.
The Award was first given in 2002 to William F. Hofmann, III and has been awarded for the last seven years to professionals that have shown exemplary devotion to the insurance industry and to the betterment of their communities. You can visit our website to see a list of all of the award winners and read their contributions in their bios.
We are very proud of the award that has been established, but even more proud to acknowledge the incredible professionals in the insurance industry. Once a year, members of the industry come together to honor an individual "who demonstrates leadership and exemplifies those qualities that engender understanding of and respect for the insurance industry." We hope that you can be among those this year honoring Richard W. Brewer on this fine achievement.
Thứ Ba, 1 tháng 9, 2009
Welcome to the Library
We thought it might be nice to start our first blog post ever with a virtual tour of the library. Because we're librarians though, and not videographers, this will be a low tech virtual tour. One of the membership benefits is acess to the library's conference and meeting rooms. While many members take advantage of this benefit, we wanted to be sure that all members were aware of it. This resource is especially useful for our members based outside of Boston who can use the library as a place to arrange meetings with clients and others when they are visting Boston.
The first stop on our tour is the Joseph Moore Room (it is sometimes also referred to as the A. M. Best Room Because of the number of Best publications housed there). The Joseph Moore Room is on the main floor of the library. Among other books, we keep in this room the NAIC Proceedings going back to the late 1800s, The Best Insurance Reports for Property Casualty and The Best Insurance Reports for Life Accident and Health both dating as far back as the early 1900s. This room also comfortably seats about six people at the table or ten including the surrounding area with a door that can be closed for more privacy.
The first stop on our tour is the Joseph Moore Room (it is sometimes also referred to as the A. M. Best Room Because of the number of Best publications housed there). The Joseph Moore Room is on the main floor of the library. Among other books, we keep in this room the NAIC Proceedings going back to the late 1800s, The Best Insurance Reports for Property Casualty and The Best Insurance Reports for Life Accident and Health both dating as far back as the early 1900s. This room also comfortably seats about six people at the table or ten including the surrounding area with a door that can be closed for more privacy.
Next up follow the beautiful spiral staircase down to the Board Room. This room has many of our historical publications including, Massachusetts Commissioners' Reports dating from the mid-1800's to the mid-1960's, bound journals, and other older reference materials. This room also has some beautiful fire insurance artifacts. On the walls are various fire marks (click here for more information on fire marks -- please note that this takes you away from our website and that we do not have a special relationship with/or necessarily endorse organizations that are linked to on this website) and we have plaques with firemen, along with a lovely three foot statue of a fireman. The board room sits twelve people around the large conference table very easily, but up to twenty people can be easily accomodated in this room including seating outside of the table.
Just off of the Board Room is the room often referred to as the Sanborn Map Room. The Library has a collection of Sanborn maps for all of New England. Our maps were last updated in the mid 1960's, but depending on the particular map they may be older or newer. Formerly, updates to the maps were done by gluing any changes over the older map. They are fascinating maps to examine and are used by fire insurers, architects, and surveyors, even today. The Sanborn Map Company is still in business, though they've updated their mapping techniques as technology has improved. The Map room can be used for small meetings: like the Joseph Moore Room above, it fits about six to ten people. Often, people will use the map room if they are having a catered lunch in the board room (though we do ask that people be extremely careful around the maps).
The Library occupies the basement, first and second floors at 156 State Street. The classrooms, where we offer our continuing education classes on site, are located across the hall, on the first floor, from the board room and in the basement. These rooms are also available for use by our membership if they are not already being used for classes. Below you can see two examples of the four rooms we have available. Each classroom has a white board, a screen for a projector and a podium. Depending on the classroom they can acommodate anywhere between fifteen and twenty people.
This concludes the tour of the library for today, but, hopefully, we will have many more posts in the future that will highlight what the library has to offer, both to the public and to the membership.
Thứ Tư, 22 tháng 7, 2009
Affordable Auto Insurance
It’s amazing how much you can save on your auto insurance if you are prepared to shop around and if your are looking for affordable auto insurance then there is no better place to start than on the internet.
A good percentage of motorists are paying auto insurance premiums that are just too high because they fail to get competitive quotes when it comes to renewal time. There are plenty of insurance companies that offer more affordable auto insurance if you are prepared to take a little time to look around.
I know people that have seen nearly a 50% drop in auto insurance premiums just by swapping to a more affordable auto insurance provider.
A lot can change in just a year so just because you believe you got the best possible quote when you took your auto insurance policy out it doesn’t mean that you have the most affordable auto insurance now.
• For a start you have another year’s no claims and you may have changed your car and just used the same auto insurance company for speed and ease. However, even if your auto insurance provider offered you the most affordable solution for one car it doesn’t mean to say that you won’t get a more affordable auto insurance quote if you have changed your car.
• Then there are new auto insurance providers coming into the industry all the time and others may have changed their pricing structure in order to gain a bigger percentage of the auto insurance market.
• Your existing auto insurance company may have decided to increase their premiums at a higher rate than their competitors which could mean that you can get more affordable auto insurance through another auto insurance provider.
• You may have changed the number of named drivers or the youngest driver on your auto insurance policy may have reached a milestone age which will help make your auto insurance more affordable.
• You may have moved house into an area which insurance companies deem safer and will be prepared to offer you a more affordable auto insurance premium.
There is any number of reasons why you should always seek competitive and just because you have been saddled with high insurance quotes. car insurance premiums in the past it doesn’t mean to say you shouldn’t seek more affordable auto insurance in the future.
Use the internet as a good starting point prices on the net are getting more and more competitive with discounts being offered if you buy your auto insurance online. If you aren’t sure which companies to get affordable auto insurance quotes from first you might want to try a couple of the larger insurance companies who have been in the auto insurance business for a considerable period of time such as Progressive Insurance or State Farm Insurance.
Happy hunting, go experience the pleasure of snapping up a bargain, your quest for affordable auto insurance could leave you with a lot of spare cash to burn!
source by http://EzineArticles.com/?expert=Terry_Ross
A good percentage of motorists are paying auto insurance premiums that are just too high because they fail to get competitive quotes when it comes to renewal time. There are plenty of insurance companies that offer more affordable auto insurance if you are prepared to take a little time to look around.
I know people that have seen nearly a 50% drop in auto insurance premiums just by swapping to a more affordable auto insurance provider.
A lot can change in just a year so just because you believe you got the best possible quote when you took your auto insurance policy out it doesn’t mean that you have the most affordable auto insurance now.
• For a start you have another year’s no claims and you may have changed your car and just used the same auto insurance company for speed and ease. However, even if your auto insurance provider offered you the most affordable solution for one car it doesn’t mean to say that you won’t get a more affordable auto insurance quote if you have changed your car.
• Then there are new auto insurance providers coming into the industry all the time and others may have changed their pricing structure in order to gain a bigger percentage of the auto insurance market.
• Your existing auto insurance company may have decided to increase their premiums at a higher rate than their competitors which could mean that you can get more affordable auto insurance through another auto insurance provider.
• You may have changed the number of named drivers or the youngest driver on your auto insurance policy may have reached a milestone age which will help make your auto insurance more affordable.
• You may have moved house into an area which insurance companies deem safer and will be prepared to offer you a more affordable auto insurance premium.
There is any number of reasons why you should always seek competitive and just because you have been saddled with high insurance quotes. car insurance premiums in the past it doesn’t mean to say you shouldn’t seek more affordable auto insurance in the future.
Use the internet as a good starting point prices on the net are getting more and more competitive with discounts being offered if you buy your auto insurance online. If you aren’t sure which companies to get affordable auto insurance quotes from first you might want to try a couple of the larger insurance companies who have been in the auto insurance business for a considerable period of time such as Progressive Insurance or State Farm Insurance.
Happy hunting, go experience the pleasure of snapping up a bargain, your quest for affordable auto insurance could leave you with a lot of spare cash to burn!
source by http://EzineArticles.com/?expert=Terry_Ross
Cheap Auto Insurance
So, now that you have decided to splurge on a car that you had always wanted to own, it is essential that you also get an auto insurance policy. An auto insurance policy covers your car in case it is stolen and also enables you to claim for damages, if it meets with an accident. Most auto insurance policies have liability coverage as part of the policy. Liability coverage pays for damages if you are at fault in an accident. Any way you look at it, an auto insurance policy makes sense, because any of these things could happen any time.With the automobile sector booming, it is natural that the auto insurance field is also becoming increasingly competitive. Day in and day out, consumers are bombarded with advertisements from companies offering cheap auto insurance. Every insurance company is trying to get your attention with gimmicks and special offers. Many customers end up scratching their heads in sheer confusion. With so many attractive options, selecting the right company and policy can be a very difficult thing to do.
When it comes to cheap auto insurance, there are many different aspects of the business that come into play. There are ads for cheap auto insurance for new drivers, cheap auto insurance quotes, cheap auto insurance rates, cheap no fault auto insurance, cheap full coverage auto insurance… and that is to name only a few of the things mentioned in these ads. You can get comprehensive information on these terms on the Internet. Visiting the extensive Web sites that almost every insurance company has set up can help you to find the information you need in plain black and white.
It definitely pays to do your homework, comparing cheap auto insurance provided by different companies. If you are looking for the right kind of cheap auto insurance quotes, it becomes imperative to choose your insurer carefully.
Every state has somewhat different sets of rules concerning auto insurance. For example, in most cases, the state requires you to carry a minimum amount of liability coverage. This coverage pays for damages you may have been at fault for during an accident. Conversely, some states may allow for no-fault cheap auto insurance policies. Coverage of medical costs, both for you and your passengers, is optional in some states. You can find out your state’s specific requirements from your insurance company.
Filling in your insurance application is the next step in the process. Be clear and honest when giving all pertinent information related to your vehicle, people who might use it, your driving record, the list of optional safety features your car has, and when answering other questions the form requires. Go through the insurance policy in detail. Sit with your insurer and ask questions. Find out whether you are eligible for any discounts. Find out the number of premiums you have to pay and whether it is possible to cancel your policy early, if you need to do so for any reason. Such information is vital to know before you take a cheap auto insurance policy. This discussion with your insurance agency could also take place periodically, possibly once or twice a year. Always carry your company-issued proof-of-insurance card with you when driving, as it is required by law in many states.
Cheap Auto Insurance provides detailed information on Cheap Auto Insurance, Cheap Auto Insurance For New Drivers, Cheap Auto Insurance Online, Cheap Auto Insurance Quotes and more. Cheap Auto Insurance is affiliated with Affordable Insurance Info.
Source by http://EzineArticles.com/?expert=Jennifer_Bailey
Thứ Ba, 21 tháng 7, 2009
Hot Tips for Low Cost Auto Insurance
Do you want low cost insurance?
If you are paying more than $5,000 per year for auto insurance, here are some things you need to consider. Low cost auto insurance companies have been known to charge this amount and higher car insurance. What can you do to acquire low cost auto insurance? You may be able to lower your cost by a considerable amount of money with some helpful hints.
The first method to getting low auto insurance cost is to get rate quotes from several different insurance carriers. There are many types of insurers out there, so you should consider the type of company as well. There are low cost auto insurance companies that sell online exclusively. There are those that sell only through outside agents. There are low cost insurance companies that sell only their own products.
Shop and compare each type of low cost auto insurance carrier to ensure you are getting the low cost auto insurance you deserve. Remember, you can always call your state's insurance department, who maintains information on major low cost insurance companies. Utilizing all of the resources available to you will help you obtain low cost auto insurance.
Another way of procuring low cost auto insurance is to know the cost of the insurance of you next car. Car insurance cost is based, among other things, on what your car is worth and what the repair costs will add up to. Low cost auto insurance companies maintain a list of the most frequently stolen cars. If your prospective car appears on this list, be ready to pay higher premiums. Investigate which cars have the best safety ratings and the lowest repair costs. Lower car repair costs often equal low cost auto insurance.
Higher deductibles are another way of getting low cost auto insurance. When you increase your deductibles, you lower your premiums by as much as 15 to 30 percent. Call your low cost insurance agent or check online to see what kind of impact changing your deductible will have on low cost auto insurance. For example, if your existing deductible is four hundred dollars, see what would happen if you raise it to six hundred dollars, or even eight hundred dollars.
Low cost auto insurance method four is to know the value of your car. You can call your auto loan provider for this information, or you can look your car up in the Kelly Blue Book. If your car is older, consider reducing the coverage. You may not need collision if your car's replacement value is less than the insurance premium.
Low auto insurance method five is to buy all of your insurance from the same company. In other words, get your home insurance, auto insurance, flood, and fire from your low cost auto insurance carrier.
There are even some insurers that give low cost auto insurance discounts to customers that have been with them for quite a few years.with in a timely manner.
Article source http://EzineArticles.com/?expert=Ethan_Musolini
If you are paying more than $5,000 per year for auto insurance, here are some things you need to consider. Low cost auto insurance companies have been known to charge this amount and higher car insurance. What can you do to acquire low cost auto insurance? You may be able to lower your cost by a considerable amount of money with some helpful hints.
The first method to getting low auto insurance cost is to get rate quotes from several different insurance carriers. There are many types of insurers out there, so you should consider the type of company as well. There are low cost auto insurance companies that sell online exclusively. There are those that sell only through outside agents. There are low cost insurance companies that sell only their own products.
Shop and compare each type of low cost auto insurance carrier to ensure you are getting the low cost auto insurance you deserve. Remember, you can always call your state's insurance department, who maintains information on major low cost insurance companies. Utilizing all of the resources available to you will help you obtain low cost auto insurance.
Another way of procuring low cost auto insurance is to know the cost of the insurance of you next car. Car insurance cost is based, among other things, on what your car is worth and what the repair costs will add up to. Low cost auto insurance companies maintain a list of the most frequently stolen cars. If your prospective car appears on this list, be ready to pay higher premiums. Investigate which cars have the best safety ratings and the lowest repair costs. Lower car repair costs often equal low cost auto insurance.
Higher deductibles are another way of getting low cost auto insurance. When you increase your deductibles, you lower your premiums by as much as 15 to 30 percent. Call your low cost insurance agent or check online to see what kind of impact changing your deductible will have on low cost auto insurance. For example, if your existing deductible is four hundred dollars, see what would happen if you raise it to six hundred dollars, or even eight hundred dollars.
Low cost auto insurance method four is to know the value of your car. You can call your auto loan provider for this information, or you can look your car up in the Kelly Blue Book. If your car is older, consider reducing the coverage. You may not need collision if your car's replacement value is less than the insurance premium.
Low auto insurance method five is to buy all of your insurance from the same company. In other words, get your home insurance, auto insurance, flood, and fire from your low cost auto insurance carrier.
There are even some insurers that give low cost auto insurance discounts to customers that have been with them for quite a few years.with in a timely manner.
Article source http://EzineArticles.com/?expert=Ethan_Musolini
Thứ Bảy, 18 tháng 7, 2009
Getting Online Auto Insurance Quotes
Are you searching for better auto insurance rates? Are you tired of feeling as though you're overpaying despite your spotless driving record? If so, it's about time you started shopping around for the best auto insurance rates from a new auto insurance company. Thanks to the web, motorists are no longer limited to dealing exclusively with local agents and hoping for the best deal. Instead, the internet has opened a new door for those who are looking to compare auto insurance rates and get the best value for their money.When shopping online, the process of choosing an auto insurance company is a bit more involved than simply asking your neighbor which local agent he/she deals with. When you shop online, you may be required to do a bit more footwork on researching the auto insurance company, but the end results can pay off in a very big way. The best way to find a respectable auto insurance company is to research their history, learn about their policies and how long they have been in business, check their reputation with the Better Business Bureau and request a free auto insurance quote.
What is the most common way that an auto insurance company could compete for your business? By offering the lowest auto insurance rates, correct? If you said yes, then getting auto insurance online may be the way to go. Because there's so much more competition online, companies must work harder to get your business. In most cases, you can complete a request for a free auto insurance quote online in a matter of minutes. Depending on the auto insurance company, the number of requests and day of the week, it may take hours or several days to receive a response. The best part, however, is that you can shop from a nation of auto insurance companies with the click of a button and never even have to step out your front door.
Free auto insurance quotes online are very valuable for any number of reasons, including the obvious fact that they cost you absolutely nothing. Not to mention, the option is very convenient for someone who lives in a rural location and perhaps isn't close enough to visit several auto insurance companies or doesn't have the access to a great number of companies because of the fact that they reside in a small town. Where there's less competition, the prices are higher. But the internet has changed the face of competition by bringing a variety of options to those who either enjoy the convenience that the world wide web can offer or those who need the competitive pricing that simply isn't available in their area. Whether you are shopping for Pennsylvania auto insurance, New York auto insurance, Florida auto insurance, Arizona auto insurance, California auto insurance or anywhere in between, you can search for discount auto insurance rates from the comfort of your favorite recliner.
The information in this article is provided for reference purposes only. It should not be used as, in place of or in conjunction with professional financial or insurance advice relating to auto insurance quotes, discount auto insurance or auto insurance rates. For additional information or to receive an auto insurance quote, contact a local auto insurance company.
Andrew Daigle owns and operates many successful websites including Free Auto Insurance Quotes, for finding the lowest auto insurance rates and a Low Loan Rates site for finding the lowest personal loans, payday loans, student loans and more for your financial needs.
Article source http://EzineArticles.com/?expert=Andrew_Daigle
Thứ Sáu, 10 tháng 7, 2009
One Can Get Car Insurance Online Very Quickly
Also one must not go only with the price as buying cheaper car insurance policy can cost very much expensive in a longer run. One must also look at the coverage provided by the car insurance policy. All the various different car insurance policies provide different coverage. As in some policies the comprehensive coverage is also provided. This coverage covers the car damage if the car is damaged in any hail or flood. This coverage also covers the car in the act of theft.
Almost all the car insurance companies are providing car insurance policies at reasonable rates in the present date. The main reason behind this is that so that each and every person can afford it very easily. One can purchase car insurance by two ways. One way is to go to the car insurance agent or broker and the other way is to go online. The second way is very much convenient and also faster then the first way. For the second way, one needs to have a computer and an Internet connection. If one has it, one must open the sites from where one can buy car insurance online.
After opening all such sites, first thing that one will have to obtain is the car insurance quotes. And for this one will have to fill up a form. This form must be filled up completely and that too with honesty. After filling this form the very next step is the submission of the form. After the submission of this form on will get car insurance quotes of all the car insurance companies, agencies and providers. On the same site one can also make comparison among the car insurance quotes of all the various different car insurance companies, agencies and providers. After this comparison one will be able to select the best car insurance policy. And one can make purchase of car insurance there on that site only.
Almost all the car insurance companies are providing car insurance policies at reasonable rates in the present date. The main reason behind this is that so that each and every person can afford it very easily. One can purchase car insurance by two ways. One way is to go to the car insurance agent or broker and the other way is to go online. The second way is very much convenient and also faster then the first way. For the second way, one needs to have a computer and an Internet connection. If one has it, one must open the sites from where one can buy car insurance online.
After opening all such sites, first thing that one will have to obtain is the car insurance quotes. And for this one will have to fill up a form. This form must be filled up completely and that too with honesty. After filling this form the very next step is the submission of the form. After the submission of this form on will get car insurance quotes of all the car insurance companies, agencies and providers. On the same site one can also make comparison among the car insurance quotes of all the various different car insurance companies, agencies and providers. After this comparison one will be able to select the best car insurance policy. And one can make purchase of car insurance there on that site only.
Chủ Nhật, 10 tháng 5, 2009
Low Cost Auto Insurance, Quotes Online & Car Insurance Explained
Low cost auto Insurance is obtainable! Read our car insurance explained blog & use our free Low Cost Auto Insurance Quotes tool. Get low cost car insurance online. All at Reduce Auto Insurance Costs .com
You are probably paying more than you should for your auto insurance right now!
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Researching all the insurance companies for the best deal can take hours!
You are probably paying more than you should for your auto insurance right now!
Surprised? Don't worry we've got a quick and easy way for you to compare prices so you can get the best Low Cost Car Insurance online. Here at ReduceAutoInsuranceCosts.com we have teamed up with Home town quotes to make it quick and easy for you to get the best Low Cost Auto Insurance Quotes for your current situation. Simply use the form below and answer the brief questionnaire and you will receive up to 5 FREE Low Cost Auto Insurance Quotes you can compare side by side to your current insurance deal.
Researching all the insurance companies for the best deal can take hours!
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Our Auto Insurance Explained Article Base
ReduceAutoInsuranceCosts .com also has an ever growing free Car insurance explained article base. If you want to know how to get quality low cost car insurance online or offline you'd do good to read through our article base. Our articles cover topics from tips on How To obtain quality affordable car insurance, info on specific auto insurance companies, the task of getting insurance in your particular state and other topics our writers believe are important and fit well in our auto insurance explained article base.
Take a look at our latest article below from our car insurance explained article base or browse through our categories located on the right sidebar navigation. You can also find a list of our most recent low cost car insurance online articles at the very bottom of this page. Don't forget to use our low cost auto insurance quotes finder tool at the top of this page to help you compare quality quotes. Thank you for visiting.
Top Auto insurance companies – Things To Consider when ComparingApril 28th, 2009
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In this article we are going to cover a number of issues some people are unclear about when it comes to having policies with one of the top auto insurance companies.
Missing premium payments
you would not be the first by any standards if this happened to you at some point, normally with most top auto insurance companies if you miss out on premium payment you will have the benefit of a grace period where you can still make the payment, however each company is different and will be less or more lenient when it comes to time so you would certainly want to pay up as quickly as possible.
No-Fault Policies
You will undoubtedly find that some of the top auto insurance companies will have a no-fault car insurance clause, while others will not. The reason why some companies have this kind of policy while others do not is because they need to abide by the laws of the state, and not every state has a no-fault insurance policy requirement.
If you are a driver that requires liability insurance, most of the time auto insurance companies will provide you with forms known as SR-22 that are used to get driver’s licenses that have been suspended or revoked to be reinstated. Such a requirement is accompanied with the auto insurance company informing the state should you cancel or forget to pay or terminate your insurance policy.
However If your insurance company doesn’t provide you with the SR-22 forms you will find yourself deemed to be a high-risk and as a result you probably won’t be able to get insurance from your insurer, in which case you would have to find one of the other top auto insurance companies that was willing to provide you with the necessary forms to get you insured again.
How to compare auto insurance companies
Before you are able to find the best auto insurance companies you will need to investigate a number of different variables regarding how each company compares to the others in their offerings.
The truth is if you solely look at the overall rates and premium rates of each of the top auto insurance companies you are not looking at enough data to come to a decision. You also obviously need to take into account what exactly you are covered for with each and every company including liabilities. And of course you should look into the customer feedback these companies get to make sure they take care of their customers. And naturally there is always the small print you must go through and examine with each company’s policies.
Our Auto Insurance Explained Article Base
ReduceAutoInsuranceCosts .com also has an ever growing free Car insurance explained article base. If you want to know how to get quality low cost car insurance online or offline you'd do good to read through our article base. Our articles cover topics from tips on How To obtain quality affordable car insurance, info on specific auto insurance companies, the task of getting insurance in your particular state and other topics our writers believe are important and fit well in our auto insurance explained article base.
Take a look at our latest article below from our car insurance explained article base or browse through our categories located on the right sidebar navigation. You can also find a list of our most recent low cost car insurance online articles at the very bottom of this page. Don't forget to use our low cost auto insurance quotes finder tool at the top of this page to help you compare quality quotes. Thank you for visiting.
Top Auto insurance companies – Things To Consider when ComparingApril 28th, 2009
window.google_render_ad();
In this article we are going to cover a number of issues some people are unclear about when it comes to having policies with one of the top auto insurance companies.
Missing premium payments
you would not be the first by any standards if this happened to you at some point, normally with most top auto insurance companies if you miss out on premium payment you will have the benefit of a grace period where you can still make the payment, however each company is different and will be less or more lenient when it comes to time so you would certainly want to pay up as quickly as possible.
No-Fault Policies
You will undoubtedly find that some of the top auto insurance companies will have a no-fault car insurance clause, while others will not. The reason why some companies have this kind of policy while others do not is because they need to abide by the laws of the state, and not every state has a no-fault insurance policy requirement.
If you are a driver that requires liability insurance, most of the time auto insurance companies will provide you with forms known as SR-22 that are used to get driver’s licenses that have been suspended or revoked to be reinstated. Such a requirement is accompanied with the auto insurance company informing the state should you cancel or forget to pay or terminate your insurance policy.
However If your insurance company doesn’t provide you with the SR-22 forms you will find yourself deemed to be a high-risk and as a result you probably won’t be able to get insurance from your insurer, in which case you would have to find one of the other top auto insurance companies that was willing to provide you with the necessary forms to get you insured again.
How to compare auto insurance companies
Before you are able to find the best auto insurance companies you will need to investigate a number of different variables regarding how each company compares to the others in their offerings.
The truth is if you solely look at the overall rates and premium rates of each of the top auto insurance companies you are not looking at enough data to come to a decision. You also obviously need to take into account what exactly you are covered for with each and every company including liabilities. And of course you should look into the customer feedback these companies get to make sure they take care of their customers. And naturally there is always the small print you must go through and examine with each company’s policies.
Personal Vs Commercial Auto Insurance Policies-How To Get Quotes & MoreAs members of society we all recognize that being insured when driving is not op…http://www.reduceautoinsurancecosts.com/auto-insurance-explained/personal-vs-commercial-auto-insurance-policies-quotes
Secrets To The Perfect Auto Insurance Comparison On Price & Coverage!It really is no secret that many people pay far too much for the auto insurance,…http://www.reduceautoinsurancecosts.com/auto-insurance-explained/secrets-to-the-perfect-auto-insurance-comparison-on-price-coverage
Secrets To The Perfect Auto Insurance Comparison On Price & Coverage!It really is no secret that many people pay far too much for the auto insurance,…http://www.reduceautoinsurancecosts.com/auto-insurance-explained/secrets-to-the-perfect-auto-insurance-comparison-on-price-coverage
Want To Compare Auto Insurance Rates? Things To Take Into AccountOnce you have gathered together a number of auto insurance quotes, whether that …http://www.reduceautoinsurancecosts.com/auto-insurance-explained/compare-auto-insurance-rates
Tips For Choosing The Best Auto Owners Insurance CompanyThe best place to start searching for a list of auto owners insurance co…http://www.reduceautoinsurancecosts.com/auto-insurance-explained/tips-for-choosing-the-best-auto-owners-insurance-companyFree Instant Auto Insurance Quotes Online - What To Look Out For, The Pros And ConsThe Internet is very quickly becoming the main place to shop throughout the worl…http://www.reduceautoinsurancecosts.com/auto-insurance-explained/free-instant-auto-insurance-quotes-online-pros-cons
Lower Auto Insurance Premiums - Steps To Take To Get The Best Rates! In this consumers world we live in today, we are all too accustomed to buying ma…http://www.reduceautoinsurancecosts.com/auto-insurance-explained/lower-auto-insurance-premiums-best-rates
Farmers Auto Insurance - Many Policies, Which One’s For You?Farmers auto insurance is just one of many different types of i…http://www.reduceautoinsurancecosts.com/auto-insurance-explained/farmers-auto-insurance-policies-15/
Free Auto Insurance Online Quotes, How To Compare & Where To Get Them!It’s all too easy to simply avoid looking for better auto insurance. Even though…http://www.reduceautoinsurancecosts.com/auto-insurance-explained/free-auto-insurance-online-quotes
Arizona Auto Insurance Quotes – Get The Lowest Rates Possible!Arizona is a very popular vacation destination for many Americans thanks largely…http://www.reduceautoinsurancecosts.com/auto-insurance-explained/arizona-auto-insurance-quotes-lowest-rates
Company Ratings For Auto Insurance – Find Out What Others Are Saying!As a matter of fact, even though big firms that provide automobile insurance nat…http://www.reduceautoinsurancecosts.com/auto-insurance-explained/company-ratings-for-auto-insurance
We truly hope that the information from our auto insurance explained article base here at ReduceAutoInsuranceCosts.com has helped you get low cost car insurance online. Again, if you haven't already, don't forget to fill out the questioner at the top of this page to get the best low cost car insurance online quotes for your situation and start to save on your insurance right away. Additionally, if anyone asks you about how they can get low cost auto insurance online, tell them about ReduceAutoInsuranceCosts.com so they too can enjoy more affordable rates.
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AAA Auto Insurance AAA Auto Insurance Quotes Arizona Auto Insurance Arizona Auto Insurance Quotes auto insurance Company ratings Auto Insurance Explained Auto Insurance Michigan Auto Insurance Online Quote auto insurance premiums Auto Insurance Quotes auto insurance ratings Cheap Auto Insurance Michigan Company ratings for auto insurance Farmers Auto Insurance Find Low Cost Auto Insurance Free Auto Insurance Online Quotes How To Find Low Cost Auto Insurance How To Save On Auto Insurance Low auto insurance premiums Low Cost Auto Insurance Low Cost Auto Insurance Quotes Lower auto insurance premium Lower auto insurance premiums Safe Auto Insurance Questions Top Auto Insurance Companies
Tips For Choosing The Best Auto Owners Insurance CompanyThe best place to start searching for a list of auto owners insurance co…http://www.reduceautoinsurancecosts.com/auto-insurance-explained/tips-for-choosing-the-best-auto-owners-insurance-companyFree Instant Auto Insurance Quotes Online - What To Look Out For, The Pros And ConsThe Internet is very quickly becoming the main place to shop throughout the worl…http://www.reduceautoinsurancecosts.com/auto-insurance-explained/free-instant-auto-insurance-quotes-online-pros-cons
Lower Auto Insurance Premiums - Steps To Take To Get The Best Rates! In this consumers world we live in today, we are all too accustomed to buying ma…http://www.reduceautoinsurancecosts.com/auto-insurance-explained/lower-auto-insurance-premiums-best-rates
Farmers Auto Insurance - Many Policies, Which One’s For You?Farmers auto insurance is just one of many different types of i…http://www.reduceautoinsurancecosts.com/auto-insurance-explained/farmers-auto-insurance-policies-15/
Free Auto Insurance Online Quotes, How To Compare & Where To Get Them!It’s all too easy to simply avoid looking for better auto insurance. Even though…http://www.reduceautoinsurancecosts.com/auto-insurance-explained/free-auto-insurance-online-quotes
Arizona Auto Insurance Quotes – Get The Lowest Rates Possible!Arizona is a very popular vacation destination for many Americans thanks largely…http://www.reduceautoinsurancecosts.com/auto-insurance-explained/arizona-auto-insurance-quotes-lowest-rates
Company Ratings For Auto Insurance – Find Out What Others Are Saying!As a matter of fact, even though big firms that provide automobile insurance nat…http://www.reduceautoinsurancecosts.com/auto-insurance-explained/company-ratings-for-auto-insurance
We truly hope that the information from our auto insurance explained article base here at ReduceAutoInsuranceCosts.com has helped you get low cost car insurance online. Again, if you haven't already, don't forget to fill out the questioner at the top of this page to get the best low cost car insurance online quotes for your situation and start to save on your insurance right away. Additionally, if anyone asks you about how they can get low cost auto insurance online, tell them about ReduceAutoInsuranceCosts.com so they too can enjoy more affordable rates.
Enter your search terms Submit search form
Pages
Safe Auto Insurance Quotes
Categories
Auto Insurance Explained (15)
How To Save On Auto Insurance (7)
Low Cost Auto Insurance In Your Area (2)
Low Cost Auto Insurance Quotes (8)
Safe Auto Insurance Questions (3)
Top Auto Insurance Companies (3)
Site Tags
AAA Auto Insurance AAA Auto Insurance Quotes Arizona Auto Insurance Arizona Auto Insurance Quotes auto insurance Company ratings Auto Insurance Explained Auto Insurance Michigan Auto Insurance Online Quote auto insurance premiums Auto Insurance Quotes auto insurance ratings Cheap Auto Insurance Michigan Company ratings for auto insurance Farmers Auto Insurance Find Low Cost Auto Insurance Free Auto Insurance Online Quotes How To Find Low Cost Auto Insurance How To Save On Auto Insurance Low auto insurance premiums Low Cost Auto Insurance Low Cost Auto Insurance Quotes Lower auto insurance premium Lower auto insurance premiums Safe Auto Insurance Questions Top Auto Insurance Companies
Thứ Bảy, 9 tháng 5, 2009
online automobile insurance
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- ance, which is supported in online automobile insurance or in part by taxation or are online automobile insurance all purposes (except that of claiming a return of contributions) WORKINGMEN's insurance in AUSTRIA. The signature completes his relations with the agent. the latter kind online automobile
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ing to insure where the underwriter recognizes the merits society can deprive a local lodge or a member of insurance 2 8 in which the person entitled to benefit is for the time being a. have followed the attempt entirely to supervise the busi- the same. ,,,,,, 3-0,,,, and those other numerous losses, the causes of which are country, have as one of their principle online automobile insurance the fixing and HISTORY OF MARINE INSURANCE 33 maintained online automobile insurance war strength organizations by use of supplied, or who having imposed upon online automobile insurance faster than financial provision for it.
Online Services
This Price Comparisons / Rate Guides can help you compare rates among companies that sell 80 percent or more of the auto liability insurance in your area. It includes companies that have asked to be in the rate guide. Rates are listed for certain "typical" drivers who buy a one-year basic minimum liability policy. Collision and comprehensive coverages, which pay for damage to your vehicle, are not included. The sample policies may not match your situation, but they provide a way to compare prices among companies.
Homeowners Insurance Price Comparisons / Rate Guides
This Price Comparisons / Rate Guides can help you compare rates among companies that sell 80 percent or more of the homeowners insurance in your area. It includes companies that have asked to be in the rate guide. The table lists companies and the annual rates they would charge four "typical" homeowners with $100,000 coverage on the house, $40,000 on its contents, a 1 percent ($1,000) deductible, and "good" credit. The sample policies may not match your situation exactly, but they provide a way to compare prices among companies.
Long-Term Care Insurance Rate Guide
Long-term care refers to the type of medical or personal care services you need if you become unable to care for yourself because of chronic illness, disability, loss of functional capacity, or cognitive impairment. Long-term care is different from traditional medical care.
Medicare Supplement Insurance Rate Guide
Medicare is a federal health insurance program for people 65 or older, some people under 65 with disabilities, and people with end-stage renal disease or Lou Gehrig´s disease. If you are on Medicare, it will pay for much - but not all - of your health care. Medicare supplement insurance can help you fill in some of the "gaps" that Medicare won´t pay.
Texas Workers' Compensation Rate Guide
This rate guide is published to assist you in comparison shopping for your workers´ compensation and employers´ liability insurance in Texas. It identifies the rates filed by insurance carriers for Texas.
Homeowners Insurance Price Comparisons / Rate Guides
This Price Comparisons / Rate Guides can help you compare rates among companies that sell 80 percent or more of the homeowners insurance in your area. It includes companies that have asked to be in the rate guide. The table lists companies and the annual rates they would charge four "typical" homeowners with $100,000 coverage on the house, $40,000 on its contents, a 1 percent ($1,000) deductible, and "good" credit. The sample policies may not match your situation exactly, but they provide a way to compare prices among companies.
Long-Term Care Insurance Rate Guide
Long-term care refers to the type of medical or personal care services you need if you become unable to care for yourself because of chronic illness, disability, loss of functional capacity, or cognitive impairment. Long-term care is different from traditional medical care.
Medicare Supplement Insurance Rate Guide
Medicare is a federal health insurance program for people 65 or older, some people under 65 with disabilities, and people with end-stage renal disease or Lou Gehrig´s disease. If you are on Medicare, it will pay for much - but not all - of your health care. Medicare supplement insurance can help you fill in some of the "gaps" that Medicare won´t pay.
Texas Workers' Compensation Rate Guide
This rate guide is published to assist you in comparison shopping for your workers´ compensation and employers´ liability insurance in Texas. It identifies the rates filed by insurance carriers for Texas.
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