Browsing Tag

insurance

5 Factors That Affect Your Auto Insurance Rates

There’s no getting around the fact that owning a car is a pricy affair. In addition to loan payments, you’ll find yourself paying for extras like gas, parking, and maintenance, not to mention essentials like registration and insurance. And if you’re not careful, the cost of your insurance policy could end up being sky high. In case you didn’t know, your rates are based on a number of factors that could change over time. When you’re aware of what can cause such fluctuations you may be able to keeps your rates low. But if you fail to account for the factors that affect your insurance, then you could end up paying a lot more than normal. Here are just a few things that could alter the cost of your auto insurance and how you can try to keep them from hiking your rates.

Safe driving. In truth, most people realize that driving safely is a key component of keeping their insurance rates low. By following the rules of the road and exercising caution you can avoid accidents that might damage you, your car, and your passengers, as well as other drivers, vehicles, and property. You may speed when you’re in a hurry, weave through traffic, tailgate slow drivers, and rubberneck, but all of these practices could end up in accidents and rate hikes. So practice safe driving, avoid accidents and moving violations, don’t drink and drive, and consider getting a policy that rewards you for safety on the road.

February 15, 2013

Money Saving Tips

How To Determine Which Car Insurance Coverage Is Right For You

Car insurance is a pretty important thing, if you’re a driver. In most cases, it’s the law to make sure that you have auto insurance, and for a lot of very important reasons. If you’re to get involved in a car accident, the damage that will result is usually going to be pretty costly. This is the case no matter what happens, and if you’re at fault in an accident, you’ve got to be able to make sure that the other driver will be compensated for any damage that was caused. However, if you are not the one at fault and the other driver is, then professional legal representation is crucial to ensure that you are compensated for the accident which can pay toward fixing your car and any injuries you sustained. A substantial accident can incur serious costs. For this reason, every driver is required to have auto insurance. Whether you wind up picking a policy that actually covers your own car is completely up to you. The requirement, however, is that you are able to make sure you can cover any damage that you might inflict upon another vehicle. Not having any coverage of this type is against the law, and could find you in some serious trouble if you’re caught driving without it.

When you’re trying to pick out your car insurance policy, you’ve got a few different options that are available to you. Of course, we just mentioned the fact that you can pick between liability coverage and the type of policy that will cover damages to your own vehicle. Making this decision is all about you and your specific circumstances. The first thing you’re going to want to do when you’re trying to figure out what car insurance policy will be best is to consider your budget and your driving history.

February 10, 2013

General

The Most Affordable Insurance Options For Freelancers

There are many benefits to becoming a freelancer. These days, with unemployment high and the stability of the job market uncertain, contract work offers skilled and knowledgeable job seekers the opportunities to ply their trade, even if only for short-term projects. But of course, most freelancers also enjoy the ability to set a flexible schedule, work from home, skip the daily commute of a nine-to-five, and be the boss. Unfortunately, the life of a freelancer also has a downside. You must motivate yourself to get work done and you’ll frequently have to hustle for clients if you want to pay the bills. In addition, although you receive a higher pay rate than you might as a regular employee, you also give up the benefits that most companies afford their full-time staff, including health insurance. This means you’ll have to pay for your own, and it can cost a pretty penny.

Luckily, there are a lot of options out there that freelancers can take advantage of. If you have the cash you can certainly spend it on top-notch policies with big-name providers like Blue Cross and United. But why waste the money when there are far more affordable options to be had? A good place to start your search is at FreelancersUnion.org, an online group that caters to all types of freelancers, from writers and lawyers to nannies and other caregivers. In addition to aiding freelancers in necessary tasks like making contracts and finding jobs, they also help you to find all kinds of affordable insurance policies including medical, dental, life, and even retirement plans. They generally aren’t as pricy as straight up personal insurance and they can offer many attractive benefits and options to choose from.

January 20, 2013

General

Should You Consider Buying Insurance For Your Smartphone?

These days the vast majority of Americans leave the house with a smartphone in their pocket. These incredible devices can complete a phone call from the majority of locations around the earth, but that’s only the beginning of their application. Gone are the days when sending a text message was looked at as high technology. People now use their smartphones to deposit checks and transfer money from accounts all across the world. Smartphones are our navigators and GPS locators in the wilds. They’re an endless supply of apps, from video games to recipe guides. Smartphones are our cameras and our social networking portals. People spend huge chunks of their days with their eyes on those tiny screens, and really who can blame them? Smartphones are incredibly powerful computing devices, yet so simple that even small children can use them. With so much riding on your smartphone working when you need it to it’s natural to want to protect it from all possible issues. Should you consider buying insurance for your smartphone?

January 12, 2013

Money Saving Tips

5 Tips To Help Reduce Your Auto Insurance Premium

All of us are on the constant pursuit of finding some solid ways to keep a few dollars in our pocket, right? Well, when it comes to paying monthly bills like your car insurance, while it’s certainly not wise (or legal) to try and get away with not having any, there are definitely some things that you can do to reduce the amount that you are currently paying on your premium without jeopardizing your coverage.

Is that hard to believe? Just check out these five tips and then discuss them with a customer service agent of your insurance company. By the end of the year, you (and your wallet) will be so glad that you did:

Shop around first (then stick with one company). Sometimes finding a great premium price is simply a matter of checking with several different insurance companies to get a variety of quotes. The truth of the matter is that there tends to be identical packages, at different rates, based on the company that you’re speaking with. However, once you do make a selection, try and get all of your insurance policies (auto, homeowner, business liability, etc.) from that one place. Most companies will give you about a ten percent discount just for doing so.

January 6, 2013

Older Posts

Newer Posts