About Me
When I applied for my first life insurance policy, all of the talk about benefit amounts, revenue generation, investments, and beneficiaries had me somewhat confused. I remember wishing that I had known more about what it all meant before I applied. Once I found the policy I wanted, I decided to create a website that helped other people understand the fundamentals of life insurance and what all of those legal terms mean. I hope that this information helps you to choose the policy that's right for you with a clear understanding of the information you need to provide as part of the process.
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2016
Two Surprising Things That Can Lower Your Auto Insurance Premiums
There are many well-known things you can do to lower your auto insurance rates, such as ask for discounts and shop around for the best prices. However, there are some lesser-known lifestyle changes you can make that may also result in lower premiums. Here are two you may be surprised to learn has an impact on your car insurance.
Getting Married
Getting hitched comes with many benefits, such as companionship and help with financial responsibilities.
An FAQ For Auto Insurance With An SR-22
Getting auto insurance coverage when you're required to have an SR-22 doesn't have to be more complicated than your regular insurance process. Here is a guide to meeting the SR-22 requirement when getting auto insurance.
What Is an SR-22?
An SR-22 is basically a certificate that proves you have insurance coverage. Your state may require you to carry an SR-22 certificate in a few different scenarios. If you have been involved in one or more serious car accidents or traffic violations, this is one instance where an SR-22 might be required.
3 Things to Consider Before Adding Your Child to Your Auto Insurance Policy
Your child has just come back from college or university and would like to be able to drive your car around town. To protect yourself in the event that your child gets into an accident while driving your car, you should add your child to your insurance policy. This is easier said than done, as some insurance companies will charge you an arm and a leg if you are interested in extending coverage to your children.
The Benefits Of Buying Insurance With An Agent Rather Than Online
Traditionally, if you needed to buy auto, home, or life insurance, you visited an insurance agent in their office. They listened to what your needs were and then put together an insurance policy that provided the coverage you needed at a price that fit within your budget. However, the Internet has changed that. These days, many people hop online, compare various policies and quotes and then buy the policy that most appeals to them without ever having to deal with a real person.
One On One: Dealing With Death And Insurance Without A Spouse Or Children
While most people choose to pair up and most have children during the course of their life, some people like the lives that they lead alone. Those who are without children and a spouse can have just as much fun and fullness to their lives as others. One of the biggest issues with being a single is aging. Often, when a person ages and starts to have health issues, there is someone else there to help with the arrangements.
How To Save Money On Auto Insurance If You Have A Bad Driving Record
Auto insurance rates are based on a person's risk level, and this means that someone with a bad driving record will pay more than a person with a good driving record. If your driving record is less than stellar, you might want to know what you can do to save some money on your car insurance. Time and good habits will help you improve your risk level, but there are a few things you might be able to do right now that may help.
Convicted Of A DUI? Two Tips To Help You Get Affordable Car Insurance Protection
Few things can be as devastating to your car insurance premium rates as being convicted of driving under the influence (DUI.) Although it may not be mandatory in your state that your insurer raise your rate, your DUI conviction makes you a higher risk motorist and providers often charge you more because of that risk. While it may seem that there's nothing you can do to get a more reasonably priced insurance rate, you do have options.
4 Steps Your Teen Should Take Before You Add Them To Your Car Insurance
When your teenager nears sixteen, you may be nervous about letting them get behind the wheel of your car. However, there are things that you can do to set your mind at ease and help ensure your teenager stays safe on the road. Be sure to take the following steps before adding your teenager to your car insurance and letting them drive your car by themselves.
Step #1: Take a Driver's Education Course
Cut the Cost of Your Car-Insurance Rate
If you are feeling like you are paying a high premium for your auto insurance, then you may begin to wonder whether it would be worth it to cut some of your coverage in order to lower your monthly insurance rate. However, this can put you at risk of not having the coverage that you need, and if you are involved in a car accident and don't have full coverage, then you could end up spending more money on your repairs.
Three Tips For Getting The Absolute Best Auto Insurance Coverage For Yourself
When you own a vehicle, you also need to purchase an auto insurance policy. The minimum that you need is liability coverage, which ensures that you are driving legally on the road. However, liability insurance will only cover damages and injuries to another person and that person's property when you have been the one to cause the car accident. It will not cover the expense of the damages done to your vehicle or any injuries that you have sustained yourself.