How to Keep Auto Insurance Rates Down after Filing a Claim

Getting in a car accident is never a pleasant experience. Even if no one gets hurt, you frequently have to deal with costly repairs and time-consuming paperwork and phone calls. After everything has been sorted, you have to keep an eye on your car insurance rates. If you've filed a claim, there’s a chance that your insurance premium will increase. Insurance companies determine a customer’s premium based on an insurance score. This number is representative of how risky it is to do business wi...
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Best Term Life Insurance

Term life insurance offers protection for financial dependents if an insured person's income is lost due to death. It also provides money to cover outstanding debts and pay final expenses. Everyone needs life insurance although the needs of individuals differ. An affordable term life insurance quote can help consumers find the best life insurance at the best price. Term or temporary life insurance is the cheapest form of life insurance and for this reason it’s also the most popular. Because t...
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Auto Insurance For Young Drivers

Why It’s High, How It Can Be Lowered, and What Discounts Are Available One of the things teenagers look forward to most is having their own license, and even more exciting, having their own car. By the age of 16 or 17, most teenagers have had it with riding in the passenger seat or in the backseat of their parent’s or friend’s cars; they’re ready to have a vehicle that belongs to them. Of course, parents and young drivers quickly learn that this doesn’t come without a high price once they...
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When Should You Buy Life Insurance?

Life insurance is designed to protect your loved ones from an economical loss resulting from the unexpected death of an earning member. In other words, if you have loved ones or are likely to have loved ones who are financially dependent on you, life insurance is not something you should put aside. Life insurance is one of the most practical ways of saying how much you love and care for your family and they’re likely to remember you long after you’re gone. Take for instance the story of Mary ...
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A Closer Look at Auto Insurance Discounts

There are a plethora of discounts offered by insurance companies. In many cases these discounts can save shoppers hundreds on auto and home insurance. However, there are certain occasions where it may be best to avoid buying a policy that entices you with a discount. Two Car Policy Discount You would think this discount is a given. Yes we have two vehicles in our household – why wouldn’t we insure them with the same company? In most cases you’re right. However, in some cases insurin...
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What College Students and Their Parents Should Know About Insurance

What do college students think about? Parties, having a good time, the opposite sex, financial aid, grades, and selecting a major. Most college students don't take the time to think about insurance. However, college students living away from home may not be covered by their parents' auto, property, or health insurance. Let's take a look at some insurance tips that college students should at least think about. Rental Insurance Your parents' home insurance probably does not cover your off-ca...
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5 Ways to Save Money on Car Insurance

When looking for car insurance, there are many things that can be done to save money. Trying to cut back on many bills and expenses is normal and should be done. Everybody is looking to save money, and one place to start can be your car insurance. Below are five ways in which you can save money on car insurance. 1. Ask Your Insurance Agent about Discounts Sometimes the agent will not inform you or give you all the discounts that you and your family may qualify for. Be sure to research the ma...
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Whole Life Insurance Guide

For many years, the only type of life insurance that could be purchased was term life insurance. But then actuaries came up with the idea of whole life insurance. Also known as cash value or permanent insurance, whole life differs from term insurance because it was designed to cover policyholders throughout their entire life, not just a temporary span of time. Today, more than 70 percent of the insurance policies that are sold are cash value policies. It is important to note, however, that w...
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Should You Buy Renters Insurance?

Owning a home is nice, but many people can't qualify for a mortgage or have insufficient means to purchase a house. For those who either are unable to purchase a home or simply choose not to, the alternative housing solution is to rent a house or apartment. When you own a house and have a mortgage, you are required to purchase homeowners insurance that will protect you from damage to your home, liability and loss or damage to personal property. As a renter, you have no reason to buy an all en...
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