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276. How To Hire the Right Broker for Your Commercial Insurance Needs January 30, 2014 A business owner can become completely inundated when looking for commercial insurance that fits their company. From health coverage options to auto, there are so many policies and decisions to make. But what if the choosing process could become easier? Sometimes it is hard to let some things go when it comes to one's business. However, finding the right type of insurance on your own may take your focus away from cultivating a successful business. How can the process of finding commercial insurance for your business be made easier? Find the right professional broker that will search for t... (read more) Author: Aaliyah Arthur

277. Understanding Various Truck Insurance Coverage January 30, 2014 If you are new to the transport industry, truck insurance may seem like another language. With all of the varying degrees of coverage and all of its many aspects, it is difficult to understand what you need to be legally covered and what you need to be adequately protected. Let's take a look at some various types of coverage and what they mean to you as an owner operator. First off, physical damage coverage is used to protect your truck and your trailer in the event of an accident. The premium that you would pay for this protection primarily depends on the value of your equipment. This co... (read more) Author: Andrew Stratton

278. Should You Buy Life Insurance For Your Children? January 28, 2014 Here’s the thing – insurance companies like to scare consumers into buying all sorts of different insurance products. Some of these insurance products are really important, like life insurance. Other products…not so much. You may have heard about life insurance for children. These policies are typically inexpensive, which makes them tempting for any caring parent. Don’t be fooled. Life insurance for children just doesn’t make a lot of sense. If you love your children and want to protect them from financial hardship, then you need to buy a term life insurance policy for yourself. This way,... (read more) Author: M Taylor

279. Why Do You Need Auto Insurance? January 16, 2014 In order to legally drive in most of the United States, you must have auto insurance. Whether or not it is necessary in your state, getting proper coverage for your automobile is quite important. If you already own an automobile, you probably know a little bit about being insured, but do you know how it works? Before you pick one form of coverage, you should consider all of the specifics involved in what you are buying. A variety of things such as the type of vehicle you drive, your age, and your driving record will affect your monthly premium. But, why do we need auto insurance? There are a f... (read more) Author: Andrew Stratton

280. Will That Collision Lower Your Car’s Value? January 15, 2014 If you’ve been in a car accident, you probably know that the very history of an accident can damage your car’s value. Services like Carfax and Experian give buyers a more complete picture against dishonest sellers. Keep Repair Receipts and Stress Value, Safety. It’s important to keep careful records of accident repairs if you plan to sell your car at a later date. Accidents happen, and smart buyers will understand that most of them are relatively minor fender-benders that do not affect a car’s actual performance. And since you only accept high-quality auto body and mechanical services fo... (read more) Author: Jen Stott

281. Helpful Tips To Assist Parents With New Teenage Drivers; Including Considering A Family Legal Plan January 09, 2014 Are you the proud parent of a new teenage driver? Do you have all of the legal coverage that you need? Many parents assume that just having their teen driver insured through their automobile insurer is enough. In many cases that may be all of the coverage that they ever need, but did you know that you can do more? Pre-paid legal services may not be something that you are familiar with, but it works in a similar fashion as health insurance does. You pay a fixed amount of money each month regardless of how many of the covered legal services you require. Some months you may not require any le... (read more) Author: Gerard Cassagnol

282. What to Seek Out When Purchasing Health Insurance January 08, 2014 If your financial plan for your future does not include health insurance, you should rethink it. One of the leading causes of bankruptcy in the nation is medical bills. You may be a very healthy person today but you cannot anticipate what tomorrow could bring. The wisest course of action to take is to get protected by getting insured. Insurance is not always the simplest issue to comprehend for the average person. It can work to your advantage if you take the time to learn about the various aspects of it. Investing in it can help you to get closer to achieving the goals you have set for ... (read more) Author: Aaliyah Arthur

283. Your Business and Commercial Vehicle Insurance January 03, 2014 When you own a business and need to use a truck or car for some type of delivery, shuttle, or other service, you need some type of commercial vehicle insurance. There are various types of policies available, and what type you need depends on what you need it for, and what you need covered. A vehicle that is considered commercial by the law is defined as one that is used for some type of business or commercial purpose. These policies do cost more than personal ones and these do vary by state, depending on what the requirements are where you live. They are intended to protect you, your bus... (read more) Author: Aaliyah Arthur

284. Why You Should Buy Health Insurance January 02, 2014 Are you a healthy person who rarely gets sick? Do you even need health insurance coverage? Those who seldom become ill are fortunate but things could change in the future. You just never know when your luck could change and your health could take a turn for the worst. To be prepared for anything that could happen, having insurance is wise. You can never be too careful when it comes to your well-being. If you hurt yourself or develop a serious medical condition, you could rack up debts at an alarming rate. A broken leg could cost you a few thousand dollars and even a short hospital stay c... (read more) Author: Andrew Stratton

285. Why A Legal Plan Is A Good Idea For Families With Teenage Drivers December 31, 2013 Teenage drivers pose one of the greatest risks for automobile accidents. It is the main reason why including them on one's auto insurance is so high. When its time to add your new driver to your car insurance policy, you may want to consider a legal plan as well. Based on how the averages stack up against your teenager, it could end up saving you several hundreds to thousands of dollars when its time to renew your insurance. Remember that day when you passed your road test and was issued your first driver's license? You probably had a smile that stretched from ear to ear and thought to ... (read more) Author: Gerard Cassagnol

286. Purchase Home Insurance to Protect Your Pad December 30, 2013 You want to protect your residence and all of your property in any way you can. One way to do this is to purchase a home insurance policy. Your financial institution requires you to have this before you will be extended a mortgage. As a homeowner, it is important you have it to protect your investment. It will offer a sense of security and peace of mind. Home insurance is vital for several reasons. It protects everything located on your property against damage. It provides the owner with the assurance that if the house needs to be repaired in the future, the money will be available to... (read more) Author: Aaliyah Arthur

287. How To Get Car Insurance Estimate Online Easy And Faster Than Ever December 23, 2013 There are two ways to get every car insurance estimate that you need including from agents and directly via Internet. The latter is the more convenience way since you can do it from the comfort of home without having to arrange a meeting with agents; it is also time-efficient that you do not have to travel to places. If you want to compare car insurance rates quickly, you should acquire as many insurance quotes as you need. While the official websites of insurance companies usually provide the quotes for free, you can also get the estimates from independent research websites. To get free car i... (read more) Author: javier v boix

288. An Insurance Agent Should Be Attentive To Your Needs December 23, 2013 Anyone interested in purchasing an insurance policy deserves to make an informed decision about how they spend their money. Even before one decides which type of policy to go with, it is important for that individual to know who they are buying from and what they can expect in terms of service while they hold this policy. The right agents are always attentive to the needs of their clients, whether the policyholder has simple questions or needs to file a claim. Upon consulting with an insurance agent, you should be made to feel at ease about the policy you are agreeing to take out and all ... (read more) Author: Andrew Stratton

289. Identify Theft Gone Wild: How Do You Protect Yourself And Your Family? December 21, 2013 What do forty million shoppers at Target all have in common? They have been the latest victims of identity theft. As has been reported on every major media news outlet, these customers' credit card information was stolen from one of Target's data bases over a period of a month. And the culprits have already been using these customers' information for their own financial benefit. The heart wrenching stories are now starting to surface. Lawsuits have started as well, with one woman claiming she can't pay her bills because the thieves used the money on her debit card. While her bank will inves... (read more) Author: Gerard Cassagnol

290. The Agents At Insurance Companies Know A Great Deal About Disaster Preparedness December 19, 2013 Most homeowners seek to insure their belongings in case an accident or a theft was ever to occur. Ultimately though, it is important for property owners to realize natural disasters are also a possibility. With climate conditions changing all over the world, it seems inevitable that some regions are bound to see a greater risk of storms, flooding, and the like. While insurance companies provide policies to protect investments under such circumstances, the agents at these businesses also know a great deal about disaster preparedness. If you live in an area that is prone to earthquakes, tornadoe... (read more) Author: Andrew Stratton

291. Find The Right Insurance Agent Today December 19, 2013 The person who acts as your insurance agent is responsible for finding health, life, auto, and home policies that fit your budget and lifestyle needs. There are innumerable providers and independent representatives out there, but you have to be selective about who you choose for help. The right individual will be aware of all the latest trends in the industry. Besides that, though, this person will also be capable of explaining your policy options and obligations in a way that is easy to understand. The first thing you might want to do when looking for a friendly and informative insurance... (read more) Author: Andrew Stratton

292. An Insurance Broker Can Help You Minimize Risk December 17, 2013 Most people work hard to own at least some of the finer things in life, items like homes, RVs, cars, boats, jewelry, art, and other valuables. Unfortunately, however, there can be risks involved with owning these high priced possessions. What if someone were to steal one or more of these items from you? What kind of recourse is there if one of these things is damaged because of another person's negligence? If these are questions you do not yet have the answers to, it is worth your time to speak with an insurance broker about certain policies that protect these assets. These professionals are s... (read more) Author: Aaliyah Arthur

293. Natural Medicine: Don't Pay for Prescriptions From Obamacare Use Natural Medications December 11, 2013 It has been put out that prescriptions under Obamacare will be paid by the patient. Most insurance programs pay at least a portion of the medicine you receive. I am not sure most know how much prescriptions cost if you have to pay them fully and out of your own pocket. Most medicines are at least $25, which is about the least expensive and goes up into the hundreds for some medications. What does this mean? It means that in addition to the increase of insurance premiums, you will be paying hundreds of dollars more every time you get sick. Just for a simple sinus infection or strep throat it wi... (read more) Author: Brian Reck

294. Legal Plans: Are Individual and Family Legal Plans Really Needed? December 10, 2013 When individuals and families face legal issues, many don't seek the council an attorney. When asked why they risk handling legal obstacles without legal advice, the leading answer is that its too costly. Today, many individuals and families in the United States and Canada have opted to subscribe to a legal plan, which provides legal coverage for a wide array of services. And most plans are affordable, costing less than a dollar a day to cover the whole family. We all know that America is home to the most litigious society on the planet. A woman spills a cup of coffee on herself and su... (read more) Author: Gerard Cassagnol

295. Factors that Life Insurance Companies Consider When Calculating A Person's Premium December 10, 2013 If you have a spouse and/or children, life insurance can be a wise investment. It's a good way to protect your family in case the unexpected happens. Obtaining life insurance coverage will ensure that your family will have enough money to meet financial obligations such as mortgage and car payments, college tuition, and utility bills. However, the process of obtaining coverage can be confusing and stressful. You may be unsure of what your premium will be or how much you will have to pay. Life insurance companies generally use a number of factors, which are discussed in more detail below, to ca... (read more) Author: Aaliyah Arthur

296. Calculating Auto Insurance Premiums: An Overview December 10, 2013 Like most people, you probably understand the basics of auto insurance. The concept is simple. Auto insurance protects you against liability for collisions with other vehicles and provides you with monetary compensation if your own vehicle is damaged. However, the issue of exactly how much you will be paying for auto insurance is slightly more complex. Coverage providers consider many different factors when figuring out how much your premium will be. The type of car you drive plays a role in how much your policy will cost you each month. For example, sports cars and red vehicles are more ... (read more) Author: Andrew Stratton

297. Things to Know About Car Insurance December 05, 2013 Car insurance is a pretty boring topic, we can admit. This is probably why there are dozens of mascots trying to get you excited about savings that may actually cost you in the long run. Here are four mistakes to avoid when shopping for car insurance. One: Only Buying The Minimum Amount of Insurance. Many of us uncheck the boxes for things like liability and collision insurance. That may save you a few bucks up front, but it’s essentially like playing a worst-case-scenario lottery. If something bad happens to your car, or to someone else’s car that you’re liable for, you will find ... (read more) Author: James Oleander

298. Is Your Business Covered?- Get Commercial Auto Insurance to Suit Your Needs December 03, 2013 If you are a company owner who employs CDL (Commercial Driver's License) holders or a commercial driver, you must be aware of the insurance requirements as they pertain to all employees who drive trucks for a living. Every state is permitted to set its own commercial auto insurance standards. The laws in each cover a variety of matters such as the minimum coverage required for bodily injury liability and property damage liability. Some states also mandate other types of motor vehicle insurance as well. Federal CDL requirements apply to all drivers of commercial vehicles, no matter w... (read more) Author: Aaliyah Arthur

299. Commercial Vehicle Insurance: It's Not Just for Big Rigs! December 02, 2013 You may have thought that commercial vehicle insurance is something that you would never have to worry about. After all, you are not a large business owner with a fleet of delivery trucks, and you are not a self-employed owner operator of a tractor-trailer, right? The fact of the matter is that this type of protection is needed for many trucks, trailers, vans, and automobiles that, at first glance, do not seem to require a business-related designation. Believe it or not, if your passenger automobile, minivan, or SUV is even sporadically used for any type of business venture, it is recomme... (read more) Author: Aaliyah Arthur

300. Federal Commercial Truck Insurance Requirements: An Overview December 02, 2013 Whether you work as a semi-truck driver or own a business that utilizes one or more commercial transport vehicles, it's a good idea to get commercial truck insurance to protect yourself and your fleet in the event of a collision. Each state has different requirements for commercial truck insurance, so it's a good idea to read the guidelines for your state and familiarize yourself with them. In addition to the state guidelines, there are also federal requirements that apply to all drivers, regardless of their location. These guidelines govern issues such as physical fitness, minimum age... (read more) Author: Aaliyah Arthur

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