Enough Coverage: Choosing the Right Individual Health Insurance

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How to Review Your Auto Insurance Coverage

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When it comes time to renew your auto insurance coverage, it always pays to make sure that you are happy with your coverage and your carrier. Here are some steps to take when doing a thorough review of your insurance policy. First: Consider the Carrier The first thing to do would be to consider your insurance carrier. This is your one chance, since many insurance companies make you sign up for at least a 6 month contract. Read More»

What Are the Factors That Can Affect Your Auto Insurance Rates?

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Auto insurance rates can vary greatly, with many variables used in determining how much you will pay. Most of the factors will be dependent upon you as an individual, but there are also some issues that affect your rates that are unrelated to you as an individual. The factors that have the most effect on your auto insurance rates are those that concern risk and the probability that an insurance company will need to pay benefits after an accident occurs. Read More»

Insurance Needs for a New Landscaping Company

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Opening your own landscaping company can be exciting, but there is more to it than pricing your services and getting the word out. You also need to tend things like securing insurance, which will help protect your new business from liability and loss. The following are a few of the different types of coverage that you should consider. Small business policy As a small business owner, it’s important that you have a basic coverage for your business. Read More»

Quick Tips For Paying Less On Your Insurance Rate

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Looking to bring down the cost of your car insurance? If you are and don’t want to compromise your coverage, then there are factors and options that you can use to your advantage to help lower your insurance rate while maintaining the proper coverage that you need. So, when trying to reduce your insurance rates, consider the following options: Higher Deductible Rates: Paying more out of your own pocket when requesting coverage from your insurance company is a great way to bring the cost down. Read More»

4 Ways Young Drivers Can Lower Their Auto Insurance Rates

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It’s no secret that drivers under the age of 25 pay some the highest auto insurance premiums of any driving group. A general lack of driving experience combined with higher accident rates means that most young drivers pay 3.5-times the amount in insurance premiums than drivers in their mid-thirties, according to ValuePenguin. Fortunately, there are several ways that young drivers can ease the burden of high insurance costs. Maintain Good Grades Read More»

Does Short Term Disability Insurance Cover Maternity Leave?

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The birth of a child should be something you enjoy. For many mothers, it’s a time of worry. How will you be able to afford to take time off to recover from the birth and enjoy those first few weeks? Will your short term disability insurance cover your maternity leave? Here’s a look at the details. It Really Depends on Your State Some states won’t allow you to take short term disability leave for maternity and postpartum needs. Read More»

Solutions For Cheaper Auto Insurance

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There’s not much you can really do to avoid the cost of auto insurance. However, there are solutions and options that you can utilize to help you obtain a lower monthly insurance rate. Maximizing your ability to reduce your insurance rate without minimizing your actual coverage can be extremely helpful, especially if you live off a tight budget. So, to make sure your vehicle is fully covered and that you aren’t overpaying for your protection, be sure to take advantage of the following options: Read More»

Using Insurance To Protect Your Home Remodeling Project

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Insuring a home undergoing remodeling is one of the best ways of protecting your remodeling budget. Adequate insurance will protect the additional installations and the materials; it will even shield you from any mistakes the workers may make. Take these three precautions to ensure you are adequately protected: Inform Your Agent and See If You Need Additional Coverage Remodeling almost always increases the value of a home. For example, installing a new kitchen or upgrading the basement into an additional living space increases your home’s value. Read More»

Lowering Your Vehicle Expenses

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Vehicle expenses are a large part of many households’ budgets. Like many families, you may have car payments for two or more cars, insurance premiums for these vehicles, and routine maintenance costs. In addition, unexpected repair bills can be painfully expensive. In fact, one stud from AAA shows that the average cost of keeping one vehicle on the road costs approximately $8,700 annually. Although owning vehicles may never be cheap, you can lessen the cost of your transportation. Read More»

3 Tips For Keeping Auto Insurance Costs Reasonable When Adding A Teen Driver To Your Policy

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While many teenagers count down the days until they can get a drivers license, a lot of parents are not as excited about the prospect. Teen drivers are considered a high risk to insure, so if you’ll be adding your teenager to your household’s auto insurance policy in the near future it is natural to worry about the increase in your insurance premiums. Luckily, there are several ways to save on auto insurance when you add a teen driver. Read More»