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4 Tips For Getting Low-Cost Auto Insurance

Posted by on Aug 19, 2016 in Uncategorized | Comments Off on 4 Tips For Getting Low-Cost Auto Insurance

One of the things you must have if you want to keep yourself and your vehicle protected in case of an accident is auto insurance. However, the cost to do so may be expensive, and it’s possible you’ll be interested in ways to lower it. The good news is there are many things you can do to reduce the cost of your coverage, and knowing what these things are may be helpful to you. Tip #1: Start a car pool Do you know others in your area that work where you do or in the same area? If so, it’s a great idea to start a car pool. This will help you avoid putting so many miles on your car and may reduce the cost of your insurance in the process. Insurance companies provide discounts to drivers that drive less because of the reduced risk of being involved in an accident. Tip #2: Combine coverage It’s likely you will need homeowner’s insurance, and taking the time to put these coverage needs with your auto coverage can save you money on both. You will be able to get a multiple policy discount, and this is an ideal and easy way to lower insurance costs. Tip #3: Pay your bills on time Maintaining a high credit rating is one of the most efficient ways for you to keep insurance costs down. You will be given a credit score which is based on how promptly you pay your bills. Be sure to meet the terms of any invoices you receive in the mail to keep this number as high as you can. Studies show that having a credit score of 700 or better is beneficial to all areas of your financial life. Tip #4: Drive an older car One of the best ways to pay less for insurance is by driving an older car. This can significantly reduce the amount of coverage you need and reduce your premiums in the process. Insurance companies will define the amount of your bill based on many factors, and the value of your car is one of these. You can work to keep your auto insurance within the right range with a bit of effort. Take the time to talk to your insurance agent, such as those found at Green Light Auto Insurance Specialists, for additional tips that will help you pay less on a monthly or annual basis for your...

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3 Ways To Reduce Homeowner’s Insurance

Posted by on Jul 30, 2016 in Uncategorized | Comments Off on 3 Ways To Reduce Homeowner’s Insurance

One of the proudest moments of your life may be when you purchased your home. This is a massive investment, and you will want to do all you can to keep it adequately covered it the unfortunate event of a disaster. The key to accomplishing this goal is keeping your home properly insured. However, the costs to do so may be high. It’s ideal to know effective ways that can keep your homeowners’ insurance costs down on a regular basis. Add a security system Taking additional precautions when it comes to keeping your home secure is ideal. You may want to add a new security system that can be effective at warding off potential robbers and reducing the possibility of a break-in at any time. Putting an updated security system in your home can increase your peace of mind while decreasing the costs to stay insured. In fact, studies indicate that having a monitored security system in your home may reduce your insurance bill as much as 15%-20%. Make improvements If you live in an older home that may not be as resistant to disaster as it should be, you should consider making some updates. For instance, replacing a worn out roof may help lower the costs of your home insurance. There are some ways to make your home a more secure place to live and some of these are listed below: 1.    Add storm shutters to your home to help protect your property from damaging winds that may occur. 2.    Put gutters on the exterior of your property to prevent water damage during some of the heaviest rains. 3.    Update your heating system from a wood stove to an HVAC unit to reduce the possibility of having a fire. Include your auto needs Taking the time to add other things that need insuring to your policy can allow you to qualify for a multiple policy discount. Don’t neglect to get your car insured with the same provider to decrease the cost of your homeowner’s coverage. You can offset the costs to keep your home properly insured by taking the right steps to do so. Working to make your home a safer place to reside is certain to be in your best interest and can decrease overall costs. Be sure to consult with your insurance agent to assist you in finding additional ways to lower a number of your coverage premiums today! Click the link for home insurance, or do an online...

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Reasons Single People Need Life Insurance

Posted by on Jul 19, 2016 in Uncategorized | Comments Off on Reasons Single People Need Life Insurance

You’re young, free and single. Surely you don’t need life insurance, do you? That’s where you’re wrong. Single people need life insurance, and here are four reasons why you should get it right now. Cover Your Funeral Expenses There are funeral costs after death. Do you really want your parents or another relative to foot the bill or hope they can raise enough from your estate? A life insurance policy would make sure you had enough to cover the costs, so nobody else has to. You can also create the funeral that you want, knowing that your life insurance would cover the costs. This can be a relief for single people. You Never Know About the Future You’re single now, but what about in the future? By getting your life insurance policy in place now, you can make changes to it over time. You can chance the beneficiary when you meet someone or have kids of your own. Even if you remain single, you will at least have the policy there for others. There’s nothing lost by getting one. You just don’t know what the future holds. If you don’t meet a partner, you may have a best friend that you want to support after your death. There may be another family member you have depended on for a long time that you want to give back to in the end. Cover Other Debts While you may be single, you may not necessarily be debt free. You may have a mortgage, car loan or other debts. These need to be cleared after death, and your life insurance policy will help to handle it all. You can organize a policy that will give a high enough death benefit to clear all debts, so your parents or non-immediate family don’t need to worry about them. The money will also cover your inheritance tax bill when you die. This is something that many people worry about when they get older. Give Money to Charity You may want to make sure money goes to a charity of your choice. This is something your life insurance policy can offer, by stating in your will where you want the money to go to in the end. You can always change your will if you meet someone and want to ensure some of the money protects them in the event of your death. Don’t focus on the current costs of your single life. You still need a life insurance policy. Contact an insurance agent for more information on getting a policy set up for...

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Did You Get An Expensive Gift For Mother’s Day? Make Sure It’s Fully Covered

Posted by on Jun 5, 2016 in Uncategorized | Comments Off on Did You Get An Expensive Gift For Mother’s Day? Make Sure It’s Fully Covered

If you’ve recently received an expensive gift for an event like Mother’s Day, it’s important to find out what kind of protection you can expect to get from your homeowner’s insurance policy. Once you know how much coverage your insurance policy provides, you may decide to get a special amendment to your policy that will extend your coverage, so you can rest assured that your possessions are truly protected. Some Valuable Items Aren’t Fully Protected Your homeowner’s insurance policy protects the majority of the items you own. However, not all items enjoy full coverage. Valuable items like jewelry, firearms, art, furs, musical instruments, expensive pieces of equipment, collections and expensive technologies aren’t often fully covered under a normal homeowner’s insurance policy. To get these items covered under your policy, you’ll need to schedule the items separately. A scheduled item is an item you own that has been written separately into your insurance policy. Scheduled items have different levels of coverage, often based on the cost of replacement. Scheduling an Item Requires Documentation In order to get your items scheduled, you’ll need to do the following: Confirm that the item isn’t already fully covered by your insurance policy. To do this, you can either check with your insurance policy or call your insurance agent. Gather the necessary material to get your item scheduled. Many insurance companies require proof of ownership, such as a receipt, and an appraisal to confirm the value of the item. Talk to your insurance agent to find out exactly what kind of paperwork your insurance company requires. Once an Item is Scheduled, Your Policy May Need Special Maintenance Some valuable items appreciate over time. To ensure that your items are fully covered, update your policy once a year. It helps to do this at the same time each year, because it can help you remember to get it done. There Are Many Benefits of Scheduling Your Valuables There are many reasons to schedule your valuables, including: Deductible. Often, scheduled items have no deductible, which means that the entire cost of the item is covered under the policy. Extended coverage. Scheduled items usually have special protections that normal items do not. For example, loss due to misplacement of an item may be covered under your policy. Check with your insurance agent to be sure. Peace of mind. You can rest easy knowing that your most valuable possessions are completely covered under your policy. For more information about how you can protect your recent Mother’s Day gift, contact your insurance agent...

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Recently Diagnosed With Diabetes? What Are Your Life Insurance Options?

Posted by on May 17, 2016 in Uncategorized | Comments Off on Recently Diagnosed With Diabetes? What Are Your Life Insurance Options?

If you’re like many Americans, you may have put off the purchase of life insurance for one of any number of reasons — perceived cost, hassle, or even just the desire to avoid facing your own mortality. In fact, only about 6 of every 10 adults carry life insurance coverage, despite nearly unanimous agreement that such coverage is important. Being diagnosed with a serious and lifelong illness like diabetes could be the impetus you need to begin investigating your life insurance options. However, you may find that the number of companies willing to offer you coverage shrinks drastically once you’ve been diagnosed with a chronic ailment. Read on to learn more about obtaining life insurance after you’ve been diagnosed with Type 1 or Type 2 diabetes.  Can you get life insurance if you have diabetes? Because diabetes has the potential to decrease your life expectancy, providing life insurance to individuals with diabetes poses an increased level of risk to insurance companies. Some companies choose to manage this risk by declining to offer coverage to individuals with certain illnesses or ailments (including diabetes), while others may offer coverage at significantly inflated rates.  However, all companies utilize different formulas and risk assessment factors when determining premium costs. If you’re running into trouble finding an insurance company that will offer you coverage at a price you can afford, you may want to contact an insurance agent or broker who can help sort through all the available policies and find the best option for you.  What should you do to keep your insurance costs down after a diabetes diagnosis? Even if you’ve already been diagnosed with diabetes before and you’ve sought out term life insurance, there are some steps you can take to lower your monthly premium.  If your diabetes is well-managed with medication or lifestyle changes, you may want to investigate policies that require a regular medical exam. By showing your insurance company that you’re in good health and committed to remaining healthy and keeping your diabetes in check, you should be able to receive rates more comparable to those offered to individuals without diabetes.  In other cases, you may want to split the difference and self-insure for a portion of your needs. For example, if you’ve calculated that it will take a $1 million term policy to replace your income and provide for your family, you may want to take out a $500,000 term policy and self-insure for the additional $500,000 by front-loading retirement accounts or making other investments that could be utilized after your death. You’ll be able to pay a much lower premium for your insurance while keeping some of your money within your own...

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Time To Add A Teenage Driver To Your Policy? 3 Tips That Will Help Save You Money

Posted by on May 2, 2016 in Uncategorized | Comments Off on Time To Add A Teenage Driver To Your Policy? 3 Tips That Will Help Save You Money

You have a good driving record, so your auto insurance premiums are low. Unfortunately, now that you’re about to add a teenage driver to the policy, those low premiums could go through the roof. You might think that you only have two choices – postponing your teenager’s driving privileges or dealing with the high premiums. Luckily, that’s not necessarily the case. There are actually a few things you can do that will help make those rates more affordable. Assign a Specific Car to Your Teenager If you’re like most American families, you have more than one car. If those cars are all on the same insurance policy, you can help keep your rates down by assigning a specific car to your teenage driver. This is particularly important if you drive a newer car that is more expensive to insure. Assign your teenager to the car that is the least expensive to insure. Be sure to let your insurance provider know that your teen will not be driving the more expensive cars. This will help keep your premiums at a lower cost. Get All the Discounts You Can Now that you’re insuring your teenage driver, you want to make sure you take advantage of all the discounts that are available. For instance, most insurance companies will give you a discount on your insurance premiums if your teenager gets good grades in school. You may need to show proof of grades each year to continue receiving the discounts. You may also be able to receive a discount if you enroll your teenager in a defensive driving class. Be sure to ask your insurance provider for a list of discounts that are available for teenage drivers. Keep the Car in Your Own Name If you’re going to be purchasing a car for your teenager, you’ll want to keep the title in your own name. You might think it will be less expensive to insure your young driver if their car is in their own name; however[,] that’s not the case. Save money by keeping their car in your name and insuring your young driver on your policy. Once they move out of the house, you can take them off your policy and have them start their own. If you have a teenage driver, you want to make sure you get the best rate for your auto insurance. Use the tips provided above to make insuring your teenager more affordable. Click for more...

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Oh Hail! 3 Steps To Take If Your Car Has Been Damaged By The Recent Hail Storms

Posted by on Apr 18, 2016 in Uncategorized | Comments Off on Oh Hail! 3 Steps To Take If Your Car Has Been Damaged By The Recent Hail Storms

If your car has been damaged by hail storms that have been passing through various regions of the United States, you probably have some damage on your car. This is particularly true if you were in any of the counties that endured golf ball sized hail. Hail can cause significant damage to your car. In most cases, hail damage can be repaired. Here are three steps you should take to ensure that your car gets repaired after a hail storm.  Assess the Damage As soon as you can get outside after the hailstorm, you’ll need to assess the damage to your car. Not only will this help you determine the extent of the damage, it will also help you identify any damage that might make it dangerous for you to drive your car. While most hail damage is superficial, it can cause damage to your auto glass – especially windshields. Even if you don’t see gaping holes in the glass, take a close look for signs of cracks. If your windows are cracked, you should try to avoid driving your car until the damage can be repaired. This is particularly true if the windshield, since even a small crack can become larger due to temperature changes and pressure on the glass during driving. Call Your Insurance Company Once you’ve assessed the damage to your car, you should contact your insurance company. Give them as many details about the damage, as possible. If you have comprehensive coverage on your vehicle, the insurance should pay to repair the damage. If your car sustained a significant amount of damage, your insurance company may decide to deem it a total loss. If that happens, you’ll be paid for the value of your vehicle at the time of the loss. Find the Right Repair Shop If your insurance company decides that your car is reparable, you’ll need to find a repair shop. It’s important that you not settle for the first shop you visit. There are various techniques that can be used to repair hail damage, including techniques that will not require any significant body work. One such way is through a technique known as paintless dent repair. With this process, a metal rod is used to push the dent out from inside the panel. If your car has been damaged by hail, you’ll need to act fast to get the damage repaired. For other information about hail damage, be sure to speak to your insurance...

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3 Facts You Should Know When You Need An Sr22

Posted by on Mar 10, 2016 in Uncategorized | Comments Off on 3 Facts You Should Know When You Need An Sr22

In many states, if you have been convicted for driving under the influence of drugs or alcohol or been ticketed for driving a vehicle without insurance, you may have been ordered by a judge to obtain an SR22. You may also need it as the result of a suspended driver’s license.  However, it is not unusual for people to need an SR22 without actually knowing what it is. Therefore, the following information will help you fully understand the details of this important addition to your car insurance.  #1-An SR22 Is Not Actually An Insurance Policy By Itself It is first important to know that contrary to what you may think, an SR22, which is also known as a Statement of Responsibility, is not actually a type of insurance. Instead, it functions as an addition to your policy. While many states have something of an honor system when it comes to your car insurance and rarely notice right away if your policy is canceled, the SR22 is very different.  The SR22 is evidence that will be provided to the judge that has ordered it. Essentially, it is documentation that your car has adequate insurance, but it’s not the actual policy. If you fail to make the appropriate payments, the insurance company would typically cancel your policy and then inform the courts of the change. If that were to happen, you would probably lose your license or face other legal problems soon after. #2-You Should Expect Higher Payments And A Filing Fee When You Have An SR22 As previously mentioned, the SR22 will need to be filed with the courts. As a result, you should expect to pay a filing fee for that form. If you pay your car insurance monthly, as opposed to annually or every six months, it is very possible that you will need to pay that fee each month. #3-An SR22 Is Not A Temporary Measure Another fact that you should be prepared for is that it is fairly common to need an SR22 for several years. Although some people only need it for two years, others are required to have it for seven or more years. During that time, you cannot allow your  insurance or rider to lapse and you will need to closely follow all of the driving laws. Even a minor traffic offense could nullify your insurance policy or the SR22 supplement to it and you will probably lose the the right to drive.      For more information, visit or a similar...

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3 Signs You Should Have Your Teen Take A Defensive Driving Course

Posted by on Feb 22, 2016 in Uncategorized | Comments Off on 3 Signs You Should Have Your Teen Take A Defensive Driving Course

Defensive driving courses are often offered at community colleges and online, and they are designed to teach you more about driving safely and defensively each time that you get behind the wheel. If you have never thought about signing your teen up for a defensive driving course, it might be something to think about. These are a few signs that it might be a good choice for your son or daughter. 1. You’re Worried About Your Teen’s Driving Habits There could be many reasons why you are worried about your teen’s driving habits. He or she might drive too fast or might seem too distracted while behind the wheel, for example. Even if your teen does try to drive carefully, you might feel that he or she is not experienced enough yet. Since safety is obviously a number one concern, asking your teen to take a defensive driving class can be a great step to take in one of these situations. 2. You’re Looking for an Insurance Break One thing that you might have noticed since your teen got his or her driver’s license is that your insurance is probably really expensive. Teenage drivers are considered high-risk drivers by insurance companies, so you can expect high insurance premiums for a few years. Luckily, some insurance companies do offer a break if the teen driver takes a defensive driving course, so this is a good way to catch a break and lower your premiums. To be sure, you may want to call your insurance company to find out if you’ll be offered a discount if your teen completes one of these classes. While you’re on the phone, you can ask about other potential ways to lower your rates, such as by sending in a copy of your teen’s good report card. 3. Your Teen Has Gotten a Ticket If your teen has gotten a speeding ticket or other driving citation, it’s a good idea to enroll him or her in one of these classes. Then, he or she can learn more about why safe driving is so important, and it could help in court. If you’re not sure if this is a good option for your teen or not, you’ll want to talk to a lawyer who handles traffic citations. In some cases, it could help your attorney have your teen’s ticket dropped or reduced, which can save on fines and insurance increases. In serious situations, it could prevent the need for SR-22 insurance. Contact a company like Angel Auto Insurance for more...

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Young Driver? Here Are Three Ways You Can Reduce Your Auto Insurance

Posted by on Feb 22, 2016 in Uncategorized | Comments Off on Young Driver? Here Are Three Ways You Can Reduce Your Auto Insurance

When you’re a teenager or a young adult, you might be balancing school and work and attempting to stretch each dollar. If you’re finding that you could use an extra bit of money in your pocket at the end of the month, it’s often possible to take steps to reduce the rate that you pay for your auto insurance. While consistently being safe on the roads – avoiding accidents and obeying the rules of the road – can help you avoid a rate increase that affects your personal finances, these three strategies can make you eligible for a rate drop right away. Improve Your Academic Standing If your grades at high school or college aren’t quite up to par, spending time hitting the books can translate into success in the classroom – and a drop in your auto insurance premium. Insurance companies will reward good students with better insurance rates; the premise is that students who excel in school are often more responsible, which translates into responsibility while behind the wheel, too. Provided you can maintain at least a “B” average or a 3.0 GPA, you could save at least 15 percent on your insurance rate and potentially as much as 25 percent, depending on your provider’s policies. Find A Different Commuting Method If you’re living off your school’s campus, you might find yourself spending considerable time commuting each day – and it could be costing you financially. If it’s possible to find a different way to travel to school, such as taking a bus or riding the subway, you’ll be using your personal vehicle less, which can prompt your insurance provider to reduce your rate. Each company has a different policy concerning low-mileage discounts, but you can often expect to save as much as 40 percent off your insurance premium simply by driving your vehicle less frequently. To be eligible for this discount, you typically need to keep your driving to a maximum of 7,500 to 15,000 miles per year, depending on your provider. Drop Your Collision Coverage Often, young drivers will find themselves driving low-value vehicles until they can afford to upgrade. If you’re in this situation, talking your insurance agent about your coverage can be beneficial. You can often reduce your insurance rate by getting rid of your collision coverage – the premise is that if your vehicle has little value, there’s no point in paying what can often be a hefty deductible. The exact percentage that you can expect to save depends on several factors, including your vehicle’s value. Contact a business like Holt Insurance Services for more...

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