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3 Things To Keep In Mind When Shopping Around For Auto Insurance

Posted by on 9:46 am in Uncategorized | Comments Off on 3 Things To Keep In Mind When Shopping Around For Auto Insurance

When it comes to getting auto insurance, there are so many different providers for you to choose from. These providers do a great job of offering different types of insurance for different prices, so it is going to be up to you to find which one offers the best coverage for your vehicles. This article will discuss 3 things to keep in mind when trying to find your own auto insurance: Determine The Exact Coverage You Want There are a variety of different coverage options to choose from for your vehicle or vehicles, so you are going to want to learn about all of them, and then determine the coverage that you want. If the car is new, it is recommended that you get complete coverage on your vehicle, so that you will have the funds to replace your vehicle in the case of an accident. This type of coverage will also help to cover the costs of damage to another vehicle if you happen to get in an accident. You may not need full coverage on an older vehicle, but you can still get it if you would like. Lastly, you will want to pick out specific insurance for things like trailers, motorcycles, and other recreational vehicles.  Get Free Price Quotes Since different insurance companies are going to offer different prices for their auto insurance packages, it is very important that you shop around. Most insurance companies will offer to give you a free insurance quote, either online or in person, so you will be able to see exactly how much you will pay for that particular insurance without having to make any commitments. This may take some time to gather all of the quotes and weigh out the pros and cons of each auto insurance, but the time is well spent because it will allow you to find the best insurance for the best price.  Look For Discounts Most auto insurance companies will offer a variety of different discounts, so it is going to be up to you to see if you qualify. For example, often times you can qualify for a discount if you have multiple cars on the same auto insurance policy, or if you bundle with family. You can also save money if you bundle together your home and auto insurance. Some auto insurance companies even allow you to save money over time if you are accident...

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2 Ways To Avoid Health Insurance Billing Problems

Posted by on 11:56 am in Uncategorized | 0 comments

After enduring an illness or injury, nothing is more frustrating than staring at a medical bill that doesn’t seem quite right. Although you might be tempted to blame your insurance company, chances are that your own mistakes could have contributed to a skewed statement. Here are two ways to avoid health insurance billing problems, so that you won’t have to spend your time worrying: 1: Understand Your Coverage Your insurance company sends you a packet of information every year, but that doesn’t mean you read it. Insurance information can be confusing, which is one of the reasons that it is so important to go through your policy before an emergency. Here are a few things that you should research, and why it might matter later: Deductibles: Before your insurance pays for their portion of your medical bills, you will be required to pay a deductible. For example, if your deductible is $500, you will be asked to pay the full total of all of your bills until you have paid $500. After that time, your insurance will pay their covered percentage. Make sure that you are innately familiar with your required deductible, and when it resets each year. Preventative Care: The recent Affordable Health Care Act changed which services were covered under the umbrella of preventative care. Review which services are covered under preventative care, so that you aren’t charged for a procedure that should have been free.   In-Network Providers: If you mistakenly go to a hospital or doctor’s office that doesn’t work with your insurance, your visit might cost exponentially more. After you get a new insurance card, take the time to research local hospitals and doctors that accept your insurance. If you have questions about your coverage while you are doing your research, contact an insurance representative. Customer service experts might be able to give you a rough idea regarding your coverage during hypothetical situations, so that you can budget accordingly. 2: Ask Your Doctor’s Office to Verify Coverage When your doctor suggests certain medications or procedures, you might be ready to give the green light. Unfortunately, unless you verify coverage with your insurance company first, you might be left footing the bill for an uncovered service. Ask your doctor to have his staff check with your insurance company to verify coverage before you agree to any treatment. It might take a few extra minutes to verify that your insurance company will cover the service, but it could save you a lot of money in the long run.   By taking the time to do your research and check your bill, you might be able to understand your insurance coverage and avoid a few hassles along the way. To find out more information, contact a company like Davies-Barry...

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Does Your Homeowners Insurance Cover Your Mold Problem?

Posted by on 9:38 am in Uncategorized | 0 comments

Your standard homeowners’ insurance policy may or may not cover mold problems. This confusion exists because mold needs water to grow, and most standard policies do not cover some forms of water damage. The examples below will help you determine whether your mold damage is likely to be covered. Your mold problem may not be covered if it is caused by: Flood Most homeowners’ insurance policies do not cover natural disasters, and flooding is a natural disaster. Therefore, if your mold problem is traced back to a flood, then it will not be covered. If your mold growth was created by flood water, then you can only make a claim for it if you have flood coverage. Therefore, you’ll want to have a flood policy if you live in a flood-prone area. The Federal Emergency Management Agency, FEMA, provides a resource you can use to know if your area is flood-prone. Maintenance Issues When you buy an insurance policy, the insurance company agrees to compensate you for the covered risks, and in turn, you agree to have measures in place to reduce such risks. Therefore, if you don’t live up to your end of the bargain, then the carrier may not pay your claims. This is why your mold problems may not be covered if they result from water problems that you ignored. An example is if you have a continuously leaking pipe that you fail to repair. Fortunately, your insurer isn’t likely to deny all of your mold-related claims. For example, you may be compensated if the mold is caused by: A Sudden and Accidental Water Loss Insurance policies are set up to cover accident, and a sudden water loss fits this description. Therefore, your mold issue may be covered if it is caused by a spontaneous problem such as burst pipes. Fire Fire can cause water damage; for example, it can cause cracks in your plumbing. The resulting leak may then cause mold to grow in your house. Fire damage is one of the standard risks covered by homeowners’ insurance policies. Therefore, if a plumber traces the pipe damage to fire, then you may be compensated for the mold, too, because it stems directly from the fire. You can save yourself a lot of trouble by scrutinizing your policy whenever you renew your coverage. It also pays to ask your agent as many questions as you can to clarify the types of damages that may be excluded. Of course, you also need to carry out all the maintenance services that your home needs. If you have any concerns, talk with an agency like Barrett Harding Insurance about your...

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Seniors: How To Cut Your Auto Insurance After Retirement

Posted by on 7:45 am in Uncategorized | 0 comments

If you have recently retired, you are probably pretty excited about being able to spend time doing the things that you enjoy doing without having to worry about punching a time clock. One thing that you probably aren’t particularly excited about, however, is continuing to pay the same expensive bills that you have been paying. Luckily, there are ways to cut some of your bills after retirement. For example, there’s a good chance that you can reduce the cost of your auto insurance. Try these tips to lower your monthly rate and enjoy increased savings during your retirement. Ask if You Qualify for a Discount You shouldn’t assume that your insurance company has given you all of the discounts that you qualify for. You might qualify for a senior citizen discount if you are over a certain age, or your membership in a club like AARP can also help you qualify for a discount with certain companies. Retired military, those who have retired from different local companies or corporations and more also often qualify for discounts. Have a chat with your agent to find out more about the discounts that are available and whether or not you qualify for any of them. Empty Nester? Remove Your Kids from Your Policy If your kids are out of the house, there is really no need for them to be on your insurance policy anymore. If you haven’t yet let your insurance company know that your kids are off at college or out on their own, now is the time to do so. This can greatly reduce your insurance rates, especially if your kids are still young or if they have had tickets or been in accidents. Let Your Agent Know That You are No Longer Commuting to Work Your insurance company charges higher rates if you have to drive long distances back and forth to work each day. Now that you will probably be spending more time at home, let your agent know that you won’t be commuting anymore. This lets your insurance company know that you are at less of a risk of getting in an accident, which can cause your rates to go down. As you can see, there are a few different ways that you can reduce your auto insurance rate. Give these tips a try, and you shouldn’t have to worry about paying as much for your auto insurance now that you are retired. You could also try switching to a cheaper policy. Check out auto insurance policies at companies like Colling Insurance Services, Inc to find out what coverage best suits your needs and your...

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Auto Insurance Questions You Should Be Able To Answer

Posted by on 4:23 pm in Uncategorized | 0 comments

A car is always a major investment to make, and it is also a tool that you likely need on a daily basis. However, auto accidents are a common occurrence that can leave you injured and your car ruined. Fortunately, you can purchase an insurance policy to help protect yourself from this routine threat. Sadly, insurance policies can seem dauntingly complex to many people, and if this applies to you, learning these two questions and answers will help you be more informed about this type of protection.  Can You Simply Not Report An Accident To your Insurance Company? It is not uncommon for people to be involved in minor accidents, and they may assume that it is not necessary to get an accident report or file a claim with the insurance company. You may think this is a harmless action, but it can have profound implications later.  Almost every auto insurance policy requires the policyholder to alert the insurance whenever an accident occurs. This applies regardless of whether or not you were responsible for the incident. Failing to meet these reporting requirements can cause the insurance company to deny your policy if you are in an accident later. To avoid this problem, you should always report any accident regardless of whether or not you think it is too minor to be worth reporting.  What Can You Do If The Other Party Was Driving Without Insurance? Legally, individuals are required to have insurance before operating a car on public roads, but there are some people that ignore this requirement. If you’re unfortunate enough to be involved in an accident with one of these people, you may not be able to receive compensation. Some people overlook the fact that auto insurance is primarily designed to compensate other drivers for accidents that you cause.  As a result, if the other driver does not have insurance, you may feel as though your options are limited. Fortunately, there is a type of insurance that is designed to protect you from this potentially devastating situation. Uninsured motorist insurance is just for these situations, and when you file this type of claim, your insurance will compensate you before filing legal action against the other driver to recover their costs. While it is possible for you to take legal action on your own behalf, an uninsured motorist policy may make it possible for you pass this responsibility to your insurer.  Your car insurance policy may be something that you’re rarely give a second thought, but if you are involved in an accident, it can save you from the crushing financial obligations that result from the incident. By understanding the importance of reporting every accident and the benefits of uninsured motorist insurance, you should be better able to get the most from this type of protection. To learn more about auto insurance, visit the experts at Butler & Messier...

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Ways To Cut Down On Your Car Insurance

Posted by on 8:05 am in Uncategorized | 0 comments

Everybody loves to save a buck here and there.  Auto insurance is one area that is often overlooked when it comes to saving money as many assume it is a fixed premium.  However, the options for discounts are plentiful.  If you are looking to save money on auto insurance, see if you qualify for any of the following options.  Payment Discount Most people thoughtlessly pay their monthly car insurance premiums without even a second glance at the bill.  If you have set up your bill to be automatically drafted from your account, it is unlikely that you even look at your bill at all! Next time your bill arrives in the mail, don’t just toss it in the trash.  Take a look and you might notice that an installment fee is added to your premium because you are paying monthly.  This fee is waived if you pay your premiums in 6 month or one year payments.  Therefore, with a little savings and strategy, you can save a little cash by paying less frequently. Good Driver Discounts This discount is as simple as it sounds.  Much of your premium is based on your driving record.  Therefore, the fewer accidents and traffic violations your record boasts, the lower your rates.   Maintaining a Good Credit Score You might be surprised to learn that your credit score is factored into your monthly rate.  According to, you can work to keep your premiums low merely by paying your bills on time and making consistent monthly payments.   Multiline Discounts Did you know that you can save money on your car insurance premium, in addition to your homeowners insurance, renters insurance, or life insurance policies just by using the same provider for each? Many insurance companies provide a discount for each policy that you have with the company.   Anti-theft Systems Have you installed an anti-theft system in your car? This investment not only protects your car from theft, it also serves to decrease your insurance rates, depending upon the provider.  Every car insurance provider is different. These discounts represent some possible options for keeping your rates low.  However, it is important that you exercise your right as a consumer and learn about the specific discounts that your provider offers.  Getting married, making good grades, and taking a driving course can also serve to lower your rate, depending on your provider.  Call your insurance agent today from a company like United Security Agency to learn about your options, and start saving money on auto insurance...

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New Property Owner? What You Need To Know About Your Landscape And Home Owners Insurance

Posted by on 3:18 am in Uncategorized | 0 comments

If you just bought your home, you’re likely thinking about how awesome your front and back yard is going to be when your finished decking it out the way you want. What you might not consider is the fact that the same things that can damage your home can also have a negative impact on your landscape. This guide explains what your insurance company pays for and what it doesn’t pay for in the event of a catastrophic event, so you can add additional coverage if needed. When Landscape Is Covered Under Homeowners Insurance Check with the insurance companies you’re considering to find out the particulars of what they will cover in your landscaping. Typically, insurance companies cover a certain percentage of the costs due to damage caused by the following events: vandalism fire lightning explosions Keep in mind that you may not receive the full replacement amount and not all items are covered. As with any other insurance claim, deductibles come into play, so whether it is worth filing a claim depends on how much the replacement value is. When Landscape Is Not Covered Under Homeowners Insurance Not all catastrophic events are covered by homeowners insurance when it comes to any aspect of your home, including landscaping. In many cases, landscape damage from a storm with high winds is not covered. Many insurance companies pay to have a fallen tree from a windstorm removed from your property. They will also pay for the damages to any structure that the tree hit. But they will not pay to replace the tree. Tree and plant damage causes by pests are not typically covered. Additionally, the insurance company doesn’t typically pay if plants and trees die from neglect.   Special Landscape and Homeowners Insurance Considerations As you’re planning your landscape, keep in mind that various structures such as pergolas, sheds, and other landscape buildings should be declared on your policy so that you can have the peace of mind knowing that you have coverage. If you’re decking out your landscape with expensive or exotic plants, consider additional coverage to be sure that you’re covered in the event that they are destroyed. Read your homeowners insurance policy carefully to determine whether all your hard work and landscaping expenses are covered. Remember that each company is different in what they cover. Ask your insurance company to explain anything in your policy that you don’t understand, and check to see if you can purchase additional insurance for landscaping items you pay a lot of money for. Talk to a company like Axis Insurance Agency for more...

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Hidden Dangers: Why Potholes Are More Dangerous Than You Think

Posted by on 5:45 am in Uncategorized | 0 comments

Th-thunk. What the heck was that? You drove over a pothole, or small uneven area, in the road — and you sure felt it. While most potholes just give you a momentary jolt, some can cause real damage to your vehicle. Almost half of all drivers have had some damage to their cars or trucks caused by potholes in the past 5 years. These problem areas in the road are more common in areas where there are severe winters, but drivers report issues throughout the U.S. What kinds of damage can potholes cause? Just about anything. Here are the most common reasons why drivers request coverage from their auto insurance policies: Tire damage Wheel rim damage Suspension damage, including broken components Steering system misalignment Exhaust system damage Engine damage How to Avoid Damage from Hitting Potholes The best way to keep from incurring damage is to avoid hitting potholes all together. Just like with all driving, staying observant is key: If you see one pothole, there could be others. Be cautious. Always travel the speed limit. Going faster could increase the damage your car gets when you hit a pothole. Keep an eye on the drivers in front of you. If they show signs of hitting a pothole, or look like they are trying to maneuver around something in the road, watch out. Don’t swerve if you see a pothole at the last minute. It’s better to hit the pothole in the road than swerve into the path of another car. Report potholes that you see or hit to your city or state transportation departments. It’s their responsibility to repair the roads. If, despite your best efforts, you do drive over a pothole, wait until you are in a safe place to pull over and inspect for damage. Take photos and note the details of the situation so you can report the pothole to transportation authorities and request compensation, if appropriate. Recovering Repair Costs It’s the job of your local or state transportation crew to keep the roads maintained and patch or repair any potholes. Before they can make repairs, workers need to identify potholes with obvious road signs. If this hasn’t been done, you may be able to recover the cost of repairing your vehicle from the government rather than your insurance. Talk to your insurance agent about the incident, along with all the details you have. Your agent can advise about how to request compensation from your city or state; if that’s not possible, your agent can assist you with filing a claim. Before you hit a pothole, take the time to check with your agent, such as someone from Hamsher Insurance, and make sure that you have the coverage you need to pay for any damage. That can make hitting a pothole a little easier to...

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Perform A Financial Check-Up For The New Year

Posted by on 10:17 am in Uncategorized | 0 comments

Looking for a New Year’s resolution that can make a real difference in your life?  Why not complete a financial check-up?  It doesn’t take as long as you might think to ‘pop the hood’ on your financial engine and make sure that your family is prepared for whatever rough weather may come in the next year. Here are a few suggestions: Insurance.  How long has it been since you assessed your life, health, and homeowners insurance coverage?  Years?  A decade? A lot may have changed since then.  Some of the reasons why old insurance coverage amounts may no longer be sufficient (or perhaps may be too high) include changes in income levels, number of children, ages of children, working spouses, levels of debt or home values.  Meet with your insurance agent to review changes and recommendations.  Wills/Trusts.  Do you have a will?  How about a living revocable trust?  Advanced medical directives and powers of attorney?  No one wants to think about death or end-of-life decisions, but it’s especially important for families with young children to do so.  Dying without a will or a trust in place may result in your assets not going to the persons you desire or even the state being the one to appoint guardians for minor children.  Portfolio.  Do your investment choices still make sense? While it’s usually not advisable to try to ‘time the market’ by changing an investment portfolio constantly, every investment plan needs to be monitored at least once a year (it not more).  Has your risk tolerance changed?  Are your investments still doing consistently well or do they need replaced?  This is especially important as you move closer to retirement and the horizon on your investments gets smaller.  Contact your brokerage company to see if they offer an annual review online or in person.  If participating in automatic investment plans through your employer or brokerage firm, consider increasing auto-deposits-  even by a small amount.  Interest Rates.  Look up or contact your banking institution to find out the current interest rates on savings and checking accounts.  With some research, you may be able to find better rates, rather than let inertia keep your accounts stagnant.  Consider online only banks, which often are able to offer better rates due to lower overhead.  Also, keep in mind high-interest checking accounts as an alternative to a traditional savings account.  Whether you spend a few moments or a few hours doing annual maintenance on your financial plan, it’s time well spent and has the benefit of fewer worries in the next year. Talk to your financial advisor, such as Watauga Insurance Inc, for more...

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Minimizing The Cost Of Auto Insurance Coverage For Teen Drivers

Posted by on 11:59 am in Uncategorized | 0 comments

Automobile insurance rates are higher for teenage drivers due their relative lack of experience. New drivers are more likely to be involved in car crashes than experienced drivers. With adequate planning, insurance rates can be kept reasonably low as a teenager becomes licensed and learns to safely operate a motor vehicle. Most states have adopted a graduated licensing program, with three license steps. Young drivers are granted greater privileges each year after they demonstrate an increased level of driving skills. After a learners permit and a restricted license, a regular drivers license is obtained. If you are a parent, your teen might be covered under your policy when driving with a learning permit. Contact your insurance company representative to inform them of the situation. When new drivers move up to a restricted license, adding them to your own coverage is probably less costly than obtaining a separate policy. Rates for coverage can be minimized in several ways. Driver training Ask your agent if a rate discount is available after the completion of an approved driving instruction course. Classes are offered in many locations, and online learning options may also be acceptable. Additional training also serves to make any driver more aware of the need for traffic safety.   Good-student discount Many companies offer discounts on auto insurance for student drivers who maintain good grades. The requirement is usually that the student must maintain at least a B average. A college student may need to be enrolled on a full-time basis. A student who demonstrates strong study habits is perceived by insurers to be a more responsible vehicle operator. Cell phone block All drivers need to refrain from cell phone use during driving. If your teen has been issued a smartphone with GPS capability, there are apps available that disable texting and most calls when the car is in motion. The phone is able to call 911 or numbers that you have selected and entered into the phone beforehand. In addition to the safety aspect, your insurance company may offer a rate discount. Additional factors affect the safety of a teen driver. Driving during daylight hours is safer than at night. The presence of teenaged passengers can create additional distractions for a young driver. Avoiding traffic citations altogether certainly helps to prevent rate hikes. Teenage drivers are subject to higher rates for several years, but the available discounts provide rewards for sensible behavior. Contact your auto insurance representative like one from Martin Insurance Company for further information on how to achieve the best coverage solution for your teen...

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