Auto Insurance
Insurance Tips For New Home Owners
December 13, 2010 | Author admin
If you have just bought your very first home, you are probably unaware of how your purchase has affected your insurance profile and that you need to review your existing insurance cover. In fact, even upgrading from a small, cheap house to a larger family home will impact on your insurance. Most people think that adding some form of homeowners insurance is all that is needed when purchasing a new home. While the addition of a homeowner’s policy is by far the biggest change, your other insurance policies will most likely need to be reviewed too. The following are some of the more prominent policies you may need to revise.
Homeowner’s insurance
If you successfully applied for a home loan, your bank will have required that you take out a homeowner’s insurance policy. The questions that you need to ask yourself are did I get sufficient cover and did I shop around for the best deals?
When analyzing your coverage needs, your assessment needs to be based not only on what is required by your bank, but also on the actual value of the property. Banks often pressurize you to take whatever insurance policy they put in front of you. Except for a few conniving banks, taking the bank’s own cover is not mandatory. This means that you have the option of shopping around for better insurance.
Car insurance
If you just bought a house, your marital status may have changed. If this is the case, then congratulations! You may be eligible for a lower premium as marital status affects your risk profile. Married couples are considered a lower insurance risk by insurance companies. You may also want to cover both your and your spouse’s cars under one policy. This should work out much cheaper than having two separate vehicle insurance policies. You may even want to go one step further and combine your vehicle and homeowner’s policy to get even cheaper premiums. Lastly, it is essential that you update your car insurance policy as your change of address will also affect your policy. This is essential because should you need to claim due to theft from your new home and you have not updated your policy, your claim might be turned down.
Disability and life insurance
If you were to become disabled or unable to work due to an accident or disease, your mortgage will still need to be paid. Disability cover will pay you a monthly benefit if this happens which could very well save you from financial ruin until you are able to work again. Similarly, life insurance will help pay off your debts and perhaps even the mortgage on your home should you pass away. If you are the breadwinner in your family, this type of cover is essential.
Purchasing a new home can be a very exciting experience, but it is important that you remember to review all your insurance policies to make sure that you and your loved ones are adequately covered. If you are unsure of where to start contact your insurance broker and without a doubt, shop around for the best insurance deals!
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Auto Accident? What do you Do?
December 13, 2010 | Author admin
Based totally on the latest report released by the renowned World Health Organization, about three thousand people die in vehicular accidents every day. And we aren’t even talking about one country here ; the alarming figure speaks for worldwide vehicle accident incidence. In the U. S. alone, there were about 6,000,000 vehicular accidents that happened in the year 2005. In fact, according to reports, a mean of 115 individuals die every day due to car crash figures – that is’s roughly around one accident each thirteen minutes.
it is no wonder then that auto accident claims are reasonably popular today, ranking only second hardest to prove in suits behind medical laxity claims. The severity of such vehicle accident, though, will eventually rely not on one but many factors. These may include, but not restricted to, the autos involved, The speed of the vehicles colliding, and the road or terrain in the vehicular accident.
The worst that could happen during these automobile accident injuries is death. A more common damage that’s customarily complained about is the whiplash injury. While whiplash wounds are but a common thing in vehicular accidents, the symptoms show after a very long time. Hence, it is reasonably tough to prove in court for compensation of damages. of course, you could not just pay no attention to the mental effects these traumatic vehicle accidents bring to the victim. Vehicular accidents can provide you with near-death experiences if you are personally involved in the accident or even worse, they may result to endless shock and a robust feeling of emptiness or emotional damage, which the family of the bereaved has to endure. While the physical injuries are serious enough, the mental effect will be the harder to get past through. It takes longer for people to recover from such a devastating loss of a loved one and many are limited to a long terrible state and mourning regularly accompanied by psychological suffering and stress.
Auto Accident Checklist: Tips On What To Do Following A Car Accident
December 13, 2010 | Author admin
It is not expected of somebody who has just experienced a car accident to be fully composed and calm after such auto accident transpires. However, a substantial degree of such composure and calmness is needed in order to minimize the adverse events resulting from auto accidents. Here are some important things you have to do following a car accident:
• Ascertain the degree of resulting damages
Having an assessment of the gravity of your, your companions’ and/or the vehicle’s injuries or damage gives you an idea of what to do next. Remember that it is not advisable to mobilize somebody with fractured bones unless the situation leaves no other option but to do so (for instance, if the vehicle is on fire or about to be on fire).
• Take note of the factual details of the accident
For the authorities to have a clear picture of the accident, it is important not to miss or err on important details like at what speed where you or the other party was driving, what exactly were you doing inside your vehicle immediately before the car accident, etc.
• Go to the police and file a Car Accident Report
The importance of accomplishing this cannot be stressed enough. After a car accident, the issue as to who is to be held responsible for resulting damages can only be resolved if enough data about the accident is at hand.
via Auto Accident Checklist: Tips On What To Do Following A Car Accident.
10 Ways to Prevent an Auto Accident
December 13, 2010 | Author admin
Sure, I am a personal injury attorney, but that doesn’t mean that I enjoy hearing about, or representing the victims of, preventable car accidents. Part of my role is to help all the drivers out there to be safer on the road.Texting, eating and applying makeup while driving, changing the radio station, reprogramming the navigation system, talking on the phone or driving intoxicated all contribute to the 6+ million car accidents witnessed in the United States every year. Though you may not engage in these distractions while driving- there are many others on the road who do and here are some simple tips to help prevent causing or being involved in an accident. Here are a few simple reminders that may just make you safer!
1. Focus on the Road and Remove Distractions: Cell phones, changing out the CD, switching the music on your music player all distract you from the road. About 80% of the 6+ million accidents each year are caused by distracted drivers.
2. Stay out of the “fast lane”:
According to research most freeway accidents take place in the left lane. The right and middle lanes offer more escape routes in case of emergency- helping you avoid collision.
3. Keep an Eye Out:
Don’t simply watch what the person in front of you is doing- pay attention to the cars 3 or 4 lengths ahead of you. You will know what is happening further up the road which will enable you to avoid a collision in the event that the person in front of you is not paying adequate attention.
4. Hands on the wheel: Holding the steering wheel properly in the 9 o’clock and 3 o’clock position provides more control over your car- enabling you to more easily react and maneuver.
5. Monitor your blind spots:
Quite a few accidents occur as the result of blind spots. The drivers of large trucks are often scrutinized for this, but all drivers should be monitoring their blind spots- particularly when changing lanes.
6. Be Cautious at Intersections:
Intersections can be extremely dangerous- never gun-it when the light turns green- instead make sure there are no vehicles running red lights. Also pay close attention to pedestrians who may have the right of way.
7. You Can Judge a Driver by their Vehicle: If a car has a considerable amount of bodily damage that may indicate a poor driver.
8. Be Familiar with Your Car and its Abilities: Know your vehicle’s limits so you may be able to handle adverse conditions. If you have weak tires don’t speed or slam on your breaks while raining and leave ample space between you and the vehicle in front of you.
9. Perform Routine Maintenance Visit your mechanic on time with factory recommended services, oil changes etc. Monitor your particular cars recall list and make sure you get any recalls taken care of as soon as possible.
10. Avoid nighttime driving. Lower visibility and a higher drunk-driving rate make the roads particularly dangerous after hours.
Insurance :: Pennsylvania Car Insurance | ArticleBiz.com
December 7, 2010 | Author admin
Pennsylvania Car Insurance
What does it take to get Pennsylvania car insurance that is right for you? I think we can agree that price is important but Trust is a factor that cannot be overlooked.
Buck (the dog in our featured video) is happy because his owners trust the Williams agency for their Pennsylvania Car insurance, house insurance and life insurance. Pennsylvania Car Insurance – Who Do You Trust?They can spend more time playing with Buck and going on long walks when they know the agency is handling all their insurance. They can rest easy knowing that Williams Agency has their best interest at heart and is always watching the rates and looking for opportunities to save them additional money. They rarely have to lift a finger to do any paperwork, the agency always takes care of that end.
Pennsylvania Car Insurance Quote – Hundreds of TestimonialsBuck’s owners know they can trust the Williams Agency after seeing testimonials from hundreds of their neighbors. The folks who rave about the great service, great prices and the benefits of dealing with an honest, trusted agent are great advertisements for the agency. Many of these same folks were the ones who recommended them to the Williams agency to start with.
Pennsylvania Car Insurance – We Offer Peace of MindBuck and his owners have the peace of mind that comes with knowing an agent who really cares is looking out for them. The trust that comes from knowing your agent will be the first to call you when prices go up or an important coverage becomes available is hard to put a price tag on. The fact that the Williams Agency is the fastest growing agency in the county comes as no surprise to the clients who’ve trusted their security to them.
Pennsylvania Car Insurance – Save MoneySaving money has become priority number one in these economic times. Having an agent who is constantly searching the market for new, innovative products and discounts is a valuable bonus. An agent who will automatically check around for prices on your insurance when it renews is almost unheard of. Rest easy and feel secure when you deal with an agent who has your best interest at heart.
These types of benefits are some of the things that make the Williams Agency a leading provider of Pennsylvania Car Insurance.
via Insurance :: Pennsylvania Car Insurance | ArticleBiz.com.
Insurance :: Car Insurance Savings Tips | ArticleBiz.com
December 7, 2010 | Author admin
Car insurance premiums are partly based on factors under your control and partly on factors outside your control. It is pointless getting stressed about the latter, but knowing which factors under your influence affect premiums can help you change your behaviour and secure cheaper insurance. There are four tips for reducing your car insurance premiums:
Tip 1 – Drive Better
Many people think that having car insurance gives them the liberty to drive recklessly because they will be covered for damages if there is an accident. This kind of attitude to driving is not only dangerous it is also very costly. Auto insurance companies give good drivers better premiums and some even refund clients who go without claiming for a couple of years. Traffic offences also factor into how much insurers charge you. If you are caught for driving under the influence of alcohol and are convicted, you are guaranteed to pay more for your car insurance than other drivers for the rest of your life. It is highly recommended that young drivers take a defensive driving course after getting their license. Young male drivers are seen as very high risk drivers by insurance companies and are either given very high premiums or a turned down altogether. Some insurance companies will give drivers discounted premiums for having completed advanced driving courses.
Tip 2 – Increase your deductible
Your deductible, also referred to as your excess, is the amount of money you need to pay for losses before your insurance policy starts paying out. By choosing a high deductible you are taking more risk onto yourself. Insurance companies will reduce your premium if you increase your deductible and likewise increase your premium if you opt for a lower deductible. If you are a good driver and you have some money saved that could cover a higher deductible then increasing the deductible is a good option. The amount of money that you save on your premiums could equal your deductible after a year or two.
Tip 3 – Buy a less powerful car
Cars with big engines that can reach higher speeds than an average mass produced vehicle are deemed high risk by insurance companies. There are two main reasons for this. The first is that cars that can go very fast tend to be driven very fast. Fast cars have a higher risk of being in and causing accidents so insurers make you pay more for insuring these types of vehicles. The second reason is that most cars with powerful engines are more expensive and have a higher risk of being targeted by car thieves. In this case your premiums are higher not because of your behaviour but because of the behaviour of criminals.
Tip 4 – Group your policies together
Insurance companies have a lot of costs that exclude the payment of claims made by their clients. A large chunk of their expenses is due to administrative and marketing costs. These costs are included in the premiums policy holders pay. By taking out a car insurance policy with one insurance company, a home insurance policy with another and a life insurance policy with yet another means that you will be paying for the administration and marketing costs of three separate companies. By grouping your policies together and using only one insurance company you will be saving money for the insurance company and they will reward this by giving you lower premiums.
via Insurance :: Car Insurance Savings Tips | ArticleBiz.com.
Insurance :: High Risk Car Insurance – Try to Buy the Best Policy & Not the Cheapest One | ArticleBiz.com
December 7, 2010 | Author admin
The insurance companies categorize some drivers under the head of ‘High risk drivers’. Now who make it to the list of the high risk drivers? The high risk car insurance companies calculate the risk factor on the basis of some crucial determinants. The age and the driving record of an individual play a key role to decide if the person can be considered a high risk driver. Generally, the teens are enlisted in the high risk category as they lack in experience and are easily prone to distraction. The car drivers are well aware that this sort of insurance is very expensive. What they are unaware of is they still have a scope of having access to an inexpensive high risk car insurance by following only four steps.
Safe driving is what can keep one’s driving record impeccable. A crystal-clear driving history compresses the volume of premium to a considerable extent. If your driving record is not soiled with any sort of accidents, you will be regarded as a responsible driver. In such a case, the cost of a high risk car insurance policy is likely to go down.
If you are a senior citizen and are over the age of 65, you can effectively save money by availing the discounts on offer by some companies. But you need to have a long time association with the insurance companies to get this offer. The insurance companies regard the long-term clients as the loyal customers and some of these companies proffer up to 15% discount for them. The discount will definitely help you save a lot on the high risk car insurance premium in spite of your high risk status. The teens who are doing well in their exams can get discount on the auto insurance high risk. So, earning the tag of a high risk driver does not nip your hope of getting a suitable and inexpensive car insurance policy.
The high risk car insurance premium will likely to go down if you include a person with an unblemished driving record in your policy. For the teens, it is better to add their parents or young adults in the insurance policy to offset the exorbitant fees that apply to the auto insurance high risk policies.
As you are looking for an affordable policy, so you must do some sorts of market research to know the rates of different high risk car insurance offers. Keep in mind, a policy that comes easy on your pocket but does not provide the sufficient coverages can not be the perfect fit for you. In other words, a cheap policy can not always be regarded as the best policy. Moreover, all the insurance companies do not offer the high risk car insurance policies. So, fist make a list of the reputed companies that provide the auto insurance high risk. Then compare the facilities and rates of these policies to grab the best offer that saturates your needs but does not require you to go beyond your budget.
Insights On How To Decrease The Pricing Of Auto Insurance For Teens
December 6, 2010 | Author admin
Now that your parents have already decided to buy you a brand new car, you should look for the best auto insurance for teens offered by a reliable insurance agency. Before achieving your dreams of going on exclusive road trips with friends and becoming the king of the road, you would need to acquire this important document first. You would never be authorized to drive and to hit the road without auto insurance, so you should find a company that offers car insurance for teens at affordable rates.
If you want to locate cheap insurance policies for teens, you should read this article. All the important tips and hints needed for lowering down the premiums of auto insurance policies for teens and locating companies with the cheapest auto insurance for teens would be discussed in this comprehensive article.
Piggyback on your parents’ insurance policies
The best way to lower down the cost of having your car insured is to convince your parents to add you to their insurance policy. Instead of buying a separate insurance policy for your use, it would be less pricey to include yourself in your parents’ policies.
If your parents have agreed to do this, you should tell them that they need to inform their insurance agency about adding you to their policy. If they fail to inform their insurance agency about this, it could affect the amount of coverage they would get when they start filing important insurance claims.
Get to know more about discounts
Once you have chosen the best insurance agency that offers auto insurance for teens, you should know more about some of the discounts they offer. Some companies offer as much as twenty-five percent discounts for students who have managed to maintain a B average. If you have good grades, you should ask about this particular discount in order to have the chance to avail it.
In addition, insurance agencies usually offer cheaper policies for teens and adults who were able to undergo a driving safety training course. Since they have been trained to drive safely at all times, they would be considered as safe risks by various auto insurance companies. Hence, if you want to lower down the cost of your auto insurance for teens, you should consider undergoing a driving safety course before acquiring auto insurance.
Choose the right vehicle
If you want to find the cheapest insurance for teens, you should also look for an insurance-friendly vehicle. Do not purchase automobiles that attract thieves and cars and that are very expensive to maintain and repair. Your insurance premiums would definitely be less expensive once you purchase the right car model and brand.
These are only some of the best ways to lower down the cost of your insurance premiums. By keeping these tips in mind, it would become much easier for you to find the cheapest auto insurance for teens out there.
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John has been writing articles online for nearly 4 years now. Not only does this author specialize in fitness and wellness, you can also check out his latest website on buying you children their first car insurance and finding auto insurance for teens.
via Insights On How To Decrease The Pricing Of Auto Insurance For Teens.
Can the premium rated of car insurance be lowered?
December 6, 2010 | Author admin
Car premium expenses can be a cause of concern especially when these premiums tend to keep on increasing. However, there are some ways in which you can certainly lower the amount of monthly premiums that you need to pay. I would like to share some of those ideas with you so that you are able to reduce the cost of car insurance premiums.
It should be noted that the calculation of the insurance premium is rather complex and can sometimes be incorrect. There are a number of reasons why these calculations can go wrong. You should check that the NCB has been applied correctly. If your car was driven by your children who were under age and therefore the premiums for the insurance of your car are high, then you would like to consider if your children are still underage for if they even drive the particular car. You can certainly contact your insurance company and discuss this fact with them. It should be noted that the main driver of your car should be correctly conveyed to the insurance company. If a female is the main driver then the premium rates may vary. Your age is also an important factor for deciding the monthly premiums and you have crossed 50, you may get a discount. In some cases you birth date can be incorrectly recorded, which basically implies that you might be missing the discount.
Sometimes, it so happens that people tend to over insure their car. Some people might suggest that companies often tend to levy a higher insurance premium on your automobile, for their own profits. So, before deciding on the premium rate of your car you should conduct a proper research on the market prices of the premium suitable to your car. Sometimes this makes quite a bit of difference in the premium rates. You should also check if the company offers discounts for employing multiple policies, if you have.
Once you have understood the cause of the applied premium rates for your car, you can surely scout around in the market so that you can make a correct assessment about the root cause of the problem. You can then consult your company or any other experts in the car insurance premium policies for methods which you should employ for lowering your car insurance premium.
I hope you have understood it does not obligatory to shell out a concentrated amount of money for employing a decent insurance for your car.
5 Quick Ways To Reduce Your Auto Insurance Premium
December 6, 2010 | Author admin
Looking for ways to reduce your auto insurance premium? The auto insurance rates can spiral depending on factors including age, past conduct, and other factors such as credit history. However, the trick is to find ways to reduce the annual payment off. We started for the 5 fastest ways to reduce your auto insurance premium.
Tip 1: Increase your deductible
Stop trying to get the lowest deductible, instead of going in a better payment plan pocket. Deductible is the amount you pay before your insurance policy kicks in. This is an easy way to reduce the amount of the premium of your newspaper, however, is clear in this case, if something happens to your vehicle – You Need more nuts to cover the initial expenses, prior to entering a claim.
Tip 2: You can park your car in a garage
One of the simplest ways to reduce the insurance premium is to park your car in a garage, personal or commercial establishments. This helps to draw in some cases nearly 20% of the premium. In a garage, the chances of getting your car stolen or sideswiped are considerably lower. An operation in a garage could cause a difference between a rate and a normal rate.
Tip 3: the tower and negotiate
Nothing better than the traditional shop to negotiate. Make sure you have at least three to four awards with you, before placing it on the service provider. Make sure you do not buy for the price, but the entire business.
Tip 4: Take a defensive driving course
Few people realize that. By volunteering for a state approved defensive driving course, you can enjoy premium discount of 10%. But check with your insurer in this regard.
Tip 5: Reduce Coverage
Well, the reduction in coverage is perhaps the easiest way to reduce your auto insurance premium. However, we suggest you exercise caution and prudence, in making that decision. This could save money, but also limit coverage.
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