| AUTOMOBILE INSURANCE |
| The 10 Best Ways to Lower Your Car Insurance Bill Money saved is money earned. Many people spend more than is absolutely necessary on their daily bills, the things that they take for granted. With just a little thought, prudence, and effort, you can slice many of your routine expenses down to size. Here are ten of the best ways that you can save real cash on your automobile insurance bill: Drive safely. Goes without saying, right? Drive defensively, slow down to avoid costly tickets (which will raise your insurance rates tremendously), and be aware of your surroundings. Avoid problems before you have to extricate yourself from them. Drive less. Commute to work or use public transportation. Don’t use your car for business purposes. Insurance companies usually offer discounts if you drive less than a certain number of miles yearly, and if you only use your car for personal trips. Shop around for insurance, preferably before you buy your car. This can be done conveniently online. Get quotes from several different insurance companies on several different types of cars. This will give you an idea of which types of cars are more or less expensive to insure. You’ll probably find that sports car that you want will cost you much more to insure than the not-so-flashy sedan. Why? Because car thieves target the sportster. Also, its parts are more expensive if it needs repair from an accident. Insurance companies take all of this into account when setting rates. Buy a safe, low-profile vehicle, like the not-so-flashy sedan. Do a market survey for vehicles that have higher safety ratings. Take care of your credit. If you haven’t heard by now, insurance companies look at your credit profile as one way of determining the rate that you’ll pay for coverage. Better credit equals lower premium. If you have spotty credit, take steps to repair and rebuild it. It’ll save you money in every area of your financial life. Raise your deductible. This could knock off a significant portion of your insurance bill. A word of caution though: make sure that you budget to have the money on- hand to cover the deductible should you need to repair your car. Create an emergency vehicle repair fund. If you never need it, it just sits in your savings account collecting interest. It could be worse, huh? Avoid duplication of medical coverage. If you have a good healthcare program, you probably don’t need to pay your car insurance company for medical bills coverage. Look into insuring your vehicle with the same company that insures your home or life. Many companies offer substantial discounts for multiple-policy coverage; they want to be your only insurance resource. Also, if you have more than one vehicle, most companies will give you a discount for insuring both through them. Consider eliminating collision coverage if you have an older vehicle. Collision is a large chunk of the insurance bill; this could save you significantly. Another word of caution: consider the value of your vehicle. Also consider that if you do collide with something, you’ll have to replace your car on your own. Take a defensive driving course. Many insurance companies will discount your rates if you’ve successfully completed one recently. (Because we always deliver more than we promise) Explore other discounts. Many companies offer a loyalty discount: if you stay with them for a number of consecutive years your rates will drop. Also, consider membership clubs such as AAA or AARP, for example. Club membership discounts can sometimes be substantial. That’s it; happy savings! |
Important Things to do if You’re Involved in an Auto accident…
Automobile insurance is a requirement for every motorist to have. It’s a commodity, however, that no motorist ever wants to use. The legal and financial effects of an
accident, not to mention the risk of serious bodily injury to oneself and to others, makes dealing with an insurance claims department an undertaking of overwhelming
displeasure. Still, accidents do happen. If one happens to you, here’s a list of things to do that may help you to navigate your way through the process:
Attend to any injuries, whether in your vehicle or another, as well as pedestrians. Make sure that someone calls an ambulance and the police.
If your vehicle can still be driven, move it to a safer location in order to prevent further damage. Warn oncoming traffic away from the collision.
If another vehicle is involved, get the other driver’s name, address, phone number, license number, vehicle registration number and insurance company, and give him
or her your corresponding information.
Examine the driver’s license to see if there are any restrictions which weren’t being followed (such as wearing eyeglasses, for example). If the vehicle is registered to
someone else, get that person’s name and address as well.
Get the names and addresses of any witnesses, and any statements of what they saw. This is especially important if you think that you were not at fault. If they refuse to
give you a statement, get the license plate numbers of their cars.
Also, be sure to get the names and badge numbers of the police offices who arrive at the scene.
If you suspect that the other driver has been drinking, insist that you both take a sobriety or breath test.
Write down your recollection of how the accident transpired, including your own traveling speed. Include the time of day, weather conditions, and any hazardous
circumstances (such as blind spots). Describe the area, noting exactly where the accident took place. Do this while you’re still at the scene and your impressions are
fresh.
Don’t sign anything unless required to do so by the police. Don’t admit guilt or even shared guilt. Don’t say that your insurance will cover everything, or mention how
much coverage that you have.
Ask the police whether you should report the accident yourself, and if so, how and where. You may need to do so if the accident occurred on private property.
Call your insurance agent and let him or her know exactly what happened, along with any evidence that you have.
Do not rely on the other person’s promise to pay. Report even small accidents if someone was hurt; the injury could turn out to be more serious than it first appeared.
You could risk losing your coverage if you don’t.
If you or any of your passengers were injured in any way, even minor bruises, see a doctor to have it checked out. It’s much better to be safe now than sorry later.
Cooperate with your insurance company on filling out forms and making reports. But do not make a quick, final settlement with any company, either your own or the
other driver’s. Injuries that don’t seem serious initially could worsen over time.
If your car is struck (while parked, for instance) by a hit-and-run driver, notify the police within twenty-four hours. Again, failing to report an accident could subject you to
the loss of your coverage.
If you’re sideswiped and feel that the other driver means to do you some harm, keep going, if you’re able to, and find a police department or safe area in which to call
them.
Notify your insurer from there as well. Normally, you shouldn’t leave the scene of an accident, but your personal safety is certainly an extenuating circumstance.
Be sure to keep good records of all expenses associated with the accident, such as lost paychecks or the cost of renting a car while yours is being repaired. In a no-
fault state, your insurance company may pick up that tab. In a fault state, the other driver’s insurance company should reimburse you if the accident was his or her fault.
If the accident was a serious, talk to a lawyer to become aware of your rights and obligations, as well as the amount of damages that might be involved.
Automobile insurance is a requirement for every motorist to have. It’s a commodity, however, that no motorist ever wants to use. The legal and financial effects of an
accident, not to mention the risk of serious bodily injury to oneself and to others, makes dealing with an insurance claims department an undertaking of overwhelming
displeasure. Still, accidents do happen. If one happens to you, here’s a list of things to do that may help you to navigate your way through the process:
Attend to any injuries, whether in your vehicle or another, as well as pedestrians. Make sure that someone calls an ambulance and the police.
If your vehicle can still be driven, move it to a safer location in order to prevent further damage. Warn oncoming traffic away from the collision.
If another vehicle is involved, get the other driver’s name, address, phone number, license number, vehicle registration number and insurance company, and give him
or her your corresponding information.
Examine the driver’s license to see if there are any restrictions which weren’t being followed (such as wearing eyeglasses, for example). If the vehicle is registered to
someone else, get that person’s name and address as well.
Get the names and addresses of any witnesses, and any statements of what they saw. This is especially important if you think that you were not at fault. If they refuse to
give you a statement, get the license plate numbers of their cars.
Also, be sure to get the names and badge numbers of the police offices who arrive at the scene.
If you suspect that the other driver has been drinking, insist that you both take a sobriety or breath test.
Write down your recollection of how the accident transpired, including your own traveling speed. Include the time of day, weather conditions, and any hazardous
circumstances (such as blind spots). Describe the area, noting exactly where the accident took place. Do this while you’re still at the scene and your impressions are
fresh.
Don’t sign anything unless required to do so by the police. Don’t admit guilt or even shared guilt. Don’t say that your insurance will cover everything, or mention how
much coverage that you have.
Ask the police whether you should report the accident yourself, and if so, how and where. You may need to do so if the accident occurred on private property.
Call your insurance agent and let him or her know exactly what happened, along with any evidence that you have.
Do not rely on the other person’s promise to pay. Report even small accidents if someone was hurt; the injury could turn out to be more serious than it first appeared.
You could risk losing your coverage if you don’t.
If you or any of your passengers were injured in any way, even minor bruises, see a doctor to have it checked out. It’s much better to be safe now than sorry later.
Cooperate with your insurance company on filling out forms and making reports. But do not make a quick, final settlement with any company, either your own or the
other driver’s. Injuries that don’t seem serious initially could worsen over time.
If your car is struck (while parked, for instance) by a hit-and-run driver, notify the police within twenty-four hours. Again, failing to report an accident could subject you to
the loss of your coverage.
If you’re sideswiped and feel that the other driver means to do you some harm, keep going, if you’re able to, and find a police department or safe area in which to call
them.
Notify your insurer from there as well. Normally, you shouldn’t leave the scene of an accident, but your personal safety is certainly an extenuating circumstance.
Be sure to keep good records of all expenses associated with the accident, such as lost paychecks or the cost of renting a car while yours is being repaired. In a no-
fault state, your insurance company may pick up that tab. In a fault state, the other driver’s insurance company should reimburse you if the accident was his or her fault.
If the accident was a serious, talk to a lawyer to become aware of your rights and obligations, as well as the amount of damages that might be involved.
Ways to Save money on Gasoline; Gas Saving Tips and Suggestions for all drivers
We have all seen the price of gasoline shooting up to record levels around the country with no relief in sight. In some states it has already reached, and passed, record levels. Reports of gas thefts
from parked cars and
fill and flies (people going to a gas station, filling up and driving off without paying) are increasing everyday.
What can we, as consumers, do about it? Unfortunately, there is not too much we can do. We either pay or walk. But there is one thing we can do, and that is to squeeze every mile we can out of
every gallon of gas
we buy. There are a number of things we can do to keep our vehicles running in top shape and get the best mileage we can. Other ways are by changing the way we drive.
• Tire Pressures
One thing we can do to stretch our gallon of gas is to check our tire pressures.
Low tire pressure will make the tires drag and use more gas. Look in your owners' manual and see what the recommended tire pressures are. Add two pounds to that number, but never exceed 35
psi. That will add
about 1 mile per gallon. Check them every time you gas up. Think of it as adding an extra ½ gallon to your tank for free.
• Keep Your Engine Tuned
Keeping your engine well tuned is another good way to stretch your gas dollar. An engine that grinds for ten seconds before firing up wastes enough gas to take you two miles. Maybe it's time for
a new set of spark
plugs and a new air filter. Now is a good time to go get them. Also have a mechanic bump the timing a degree or two if possible.
• Clean Out Your Trunk
Look in the trunk of your car. Are those two bags of sand that you used for extra traction last winter still in there? Take them out! It's excess weight in the summer and excess weight uses gas. What
ever you don't need in
there, take it out and lighten the load. It will come back as extra miles per tank full.
• Think About The Vehicle You Use
If you are a two car family, use the cars wisely. If one has to drive further to work, let that person use the car that gets the best mileage. On weekends switch around depending on who's running
the errands. Do you
really need to drive that big gas sucking SUV? They are all right if you need to move the kids' soccer team, but driving it to work is a waste. Consider a more fuel-efficient vehicle for commuting.
• Shop For Price
If you see three or four gas stations on a corner, check all the prices. They will be competing for your business and will generally have the lowest prices. Don't drive across town just to save one or
two cents a gallon.
You'll wind up using more gas than you save. Unless you can save eight to ten cents a gallon, it's just not worth it. Keep an eye on prices as you drive around and if you see a lower price, take
advantage of it.
• Make Sure You Use The Correct Fuel
If your car uses regular gas don't waste money on buying premium, if you don't have to. You won't get any better mileage or performance and you'll just waste that extra ten or fifteen cents a
gallon. Check your owner's
manual to see if your engine does need premium.
• Take Time Of Day Into Consideration
If possible, stagger your work hours to avoid rush hour traffic. Sitting in stop and go traffic is the biggest waste of fuel there is. Try leaving home for work a little earlier. You'll avoid some traffic
and impress your boss.
• Cut Down On The Use Of The Air Conditioning
A/C takes about 8 horsepower to run and those horses eat gas. Our forefathers crossed a whole country without A/C, I think we can cross town without it. On a long trip on the open highway, it is
better to use the A/C
than to drive with the windows open. The extra drag of open windows on a vehicle can eat up more fuel than the A/C will.
---------------------------------------
WAYS TO SAVE MONEY ON GAS
Reduce Your Driving Costs by 25% or More
The cost of commuting, running errands, or vacationing by car has risen sharply with higher gasoline prices, but you can significantly lower your driving costs with these gas-saving tips:
Don't drive a gas guzzler. Do you really need that SUV? Six cylinders instead of four? How about that big pickup truck?
Keep your car properly maintained and tuned. A poorly tuned car can use more than 25% more gas.
Use steel-belted radial tires. They increase gas mileage up to 10%.
Don't use high octane gas unless your car is pinging and knocking or you have a high-performance engine and the manufacturer recommends premium gas.
Check your tire pressure weekly. For every pound of underinflation, you can lose up to six percent in gas mileage, so if your tires are five pounds underinflated, you'll use up to 30% more gas.
Don't top off your tank when pumping gas.
On a warm day, gasoline expands and can overflow.
Don't warm your car up by letting it idle. The engine warms up faster when driving than it does when idling, and idling wastes about a quart of gas every 15 minutes.
Save fuel by combining errands into one trip and avoid backtracking whenever possible.
Wasteful driving habits can double your fuel consumption. Develop gas-saving habits, such as:
Always accelerate gently.
Watch traffic ahead of you so you can anticipate slow-downs and avoid stops.
Coast up to traffic jams by lifting your foot off the gas pedal instead of approaching at full speed and slamming on the brakes. It takes 20% more gas to accelerate to normal speed from a full stop
than it does from four
or five miles per hour.
Don't drive too fast or too slow. It takes 20% to 30% more gas to drive at 70 mph than 50 mph.
Maintain a steady speed on the highway. Avoid getting stuck behind slow cars where you have to slow down to their pace and then speed up to pass
We have all seen the price of gasoline shooting up to record levels around the country with no relief in sight. In some states it has already reached, and passed, record levels. Reports of gas thefts
from parked cars and
fill and flies (people going to a gas station, filling up and driving off without paying) are increasing everyday.
What can we, as consumers, do about it? Unfortunately, there is not too much we can do. We either pay or walk. But there is one thing we can do, and that is to squeeze every mile we can out of
every gallon of gas
we buy. There are a number of things we can do to keep our vehicles running in top shape and get the best mileage we can. Other ways are by changing the way we drive.
• Tire Pressures
One thing we can do to stretch our gallon of gas is to check our tire pressures.
Low tire pressure will make the tires drag and use more gas. Look in your owners' manual and see what the recommended tire pressures are. Add two pounds to that number, but never exceed 35
psi. That will add
about 1 mile per gallon. Check them every time you gas up. Think of it as adding an extra ½ gallon to your tank for free.
• Keep Your Engine Tuned
Keeping your engine well tuned is another good way to stretch your gas dollar. An engine that grinds for ten seconds before firing up wastes enough gas to take you two miles. Maybe it's time for
a new set of spark
plugs and a new air filter. Now is a good time to go get them. Also have a mechanic bump the timing a degree or two if possible.
• Clean Out Your Trunk
Look in the trunk of your car. Are those two bags of sand that you used for extra traction last winter still in there? Take them out! It's excess weight in the summer and excess weight uses gas. What
ever you don't need in
there, take it out and lighten the load. It will come back as extra miles per tank full.
• Think About The Vehicle You Use
If you are a two car family, use the cars wisely. If one has to drive further to work, let that person use the car that gets the best mileage. On weekends switch around depending on who's running
the errands. Do you
really need to drive that big gas sucking SUV? They are all right if you need to move the kids' soccer team, but driving it to work is a waste. Consider a more fuel-efficient vehicle for commuting.
• Shop For Price
If you see three or four gas stations on a corner, check all the prices. They will be competing for your business and will generally have the lowest prices. Don't drive across town just to save one or
two cents a gallon.
You'll wind up using more gas than you save. Unless you can save eight to ten cents a gallon, it's just not worth it. Keep an eye on prices as you drive around and if you see a lower price, take
advantage of it.
• Make Sure You Use The Correct Fuel
If your car uses regular gas don't waste money on buying premium, if you don't have to. You won't get any better mileage or performance and you'll just waste that extra ten or fifteen cents a
gallon. Check your owner's
manual to see if your engine does need premium.
• Take Time Of Day Into Consideration
If possible, stagger your work hours to avoid rush hour traffic. Sitting in stop and go traffic is the biggest waste of fuel there is. Try leaving home for work a little earlier. You'll avoid some traffic
and impress your boss.
• Cut Down On The Use Of The Air Conditioning
A/C takes about 8 horsepower to run and those horses eat gas. Our forefathers crossed a whole country without A/C, I think we can cross town without it. On a long trip on the open highway, it is
better to use the A/C
than to drive with the windows open. The extra drag of open windows on a vehicle can eat up more fuel than the A/C will.
---------------------------------------
WAYS TO SAVE MONEY ON GAS
Reduce Your Driving Costs by 25% or More
The cost of commuting, running errands, or vacationing by car has risen sharply with higher gasoline prices, but you can significantly lower your driving costs with these gas-saving tips:
Don't drive a gas guzzler. Do you really need that SUV? Six cylinders instead of four? How about that big pickup truck?
Keep your car properly maintained and tuned. A poorly tuned car can use more than 25% more gas.
Use steel-belted radial tires. They increase gas mileage up to 10%.
Don't use high octane gas unless your car is pinging and knocking or you have a high-performance engine and the manufacturer recommends premium gas.
Check your tire pressure weekly. For every pound of underinflation, you can lose up to six percent in gas mileage, so if your tires are five pounds underinflated, you'll use up to 30% more gas.
Don't top off your tank when pumping gas.
On a warm day, gasoline expands and can overflow.
Don't warm your car up by letting it idle. The engine warms up faster when driving than it does when idling, and idling wastes about a quart of gas every 15 minutes.
Save fuel by combining errands into one trip and avoid backtracking whenever possible.
Wasteful driving habits can double your fuel consumption. Develop gas-saving habits, such as:
Always accelerate gently.
Watch traffic ahead of you so you can anticipate slow-downs and avoid stops.
Coast up to traffic jams by lifting your foot off the gas pedal instead of approaching at full speed and slamming on the brakes. It takes 20% more gas to accelerate to normal speed from a full stop
than it does from four
or five miles per hour.
Don't drive too fast or too slow. It takes 20% to 30% more gas to drive at 70 mph than 50 mph.
Maintain a steady speed on the highway. Avoid getting stuck behind slow cars where you have to slow down to their pace and then speed up to pass
| Auto Insurance - What do You really Need? When shopping for car insurance, you must take a number of factors into consideration in order to obtain the best coverage for your needs at a reasonable price. For instance, how much is your vehicle worth? Is it new? Is it financed? What state do you live in? And your assets; do you have a lot to protect? All of these questions must be answered as you search for the right policy. Listed below are the most common types of auto insurance offered. Some are required; others are not. Most allow you to choose the amount of coverage and deductible that suits your needs. A good insurance professional can be of enormous value in helping to explain the choices and options available to you. Bodily injury liability - A required coverage, bodily injury liability protects you if you’re sued for injuring someone in an accident, including pedestrians and passengers riding with you. The policy pays the victim’s medical costs, loss of earnings, and pain and suffering. It also covers you if someone is injured by a family member who’s driving your car, a friend driving your car with permission, or a family member who is driving someone else’s car with permission. Property damage liability - Also required, this liability insurance pays for any damage you do to someone else’s property. Medical payments - This coverage, offered in fault states but not a requirement, pays the medical and funeral bills of anyone injured in your car, without regard to who caused the accident. It also covers your family members if they’re hurt as pedestrians or while riding in someone else’s vehicle, including a bus or taxi. Generally, medical payment insurance will only cover the bills that regular health insurance doesn’t pay. Personal-injury protection (PIP) - PIP, a no-fault item, covers your personal medical bills up to a stated limit, part of any lost wages, funeral expenses, and in some states, replacement services (a babysitter while a mother is hospitalized, for example). Collision - This portion of your policy covers repairs to your own vehicle, no matter who caused the accident. If your vehicle is financed, the creditor will require that you carry this type of insurance as long as the loan is in effect; if you own the car free and clear, this coverage is optional. The price of collision coverage depends on the type of vehicle and the size of the deductible, which can range from $100 to $1,000. The higher the deductible that you choose, the lower your cost for this coverage. If involved in an accident which wasn’t your fault, your deductible may be covered by the at-fault driver’s insurance policy. Collision is typically written to cover your vehicle’s fair market value only, which generally drops over time. Comprehensive - As with collision coverage, if your car is financed, the lender will require comprehensive insurance. If owned outright this coverage, too, is optional. Comprehensive pays for random damage to your car from fire, flood, earthquake, hail, vandalism, and road debris. It also covers theft and, perhaps, the use of a rental car after a theft. Deductibles can range from $100 to $1,000; the higher the deductible you choose, the lower your comprehensive premium. Windshields may be insurable separately, with no deductible at all. Comprehensive will pay up to your vehicle’s fair market value, and no more. Uninsured and underinsured motorist - Required in many but not all states, uninsured- and underinsured motorist coverages pay the cost of your injuries and those of your passengers if you’re hit by an uninsured driver who’s at fault, an at-fault driver whose insurance policy won’t cover all of your damages, or a hit-and-run driver. It also covers lost wages and, in some states, reimbursement for damages to your car. In no-fault states, this coverage kicks in if you’re injured badly enough to sue. You can collect from this insurance on top of your no-fault personal injury protection. Towing and service / rental car reimbursement - This optional coverage pays for towing and labor charges for repairs if you have an accident or your car breaks down. However, if you belong to an auto club, you probably already have these benefits. |
KNOLEDGEFINANCIAL.COM
INSURANCE: WAYS TO MAKE MONEY & SAVE MONEY ON YOUR INSURANCE. 15 Insurance Policies You Don't
Need
Five Insurance Policies Everyone Should Have
Protecting your most important assets is an important step in creating a solid personal financial plan. The right insurance policies will go a long way toward helping you safeguard your
earning power and your possessions
THE IMPORTANCE OF INSURANCE IN SOMEONE'S LIFE!
Your Financial Plan; Insurance is an important element of any sound financial plan
Different types of insurance protect you and your loved ones in different ways against the cost of accidents, illness, disability, and death.
Auto Insurance
Auto insurance protects you from damage to the often considerable investment in a car and/or from liability for damage or injury caused by you or someone driving your vehicle.
The 10 Best Ways to Lower Your Car Insurance Bill
Money saved is money earned. Many people spend more than is absolutely necessary on their daily bills, the things that they take for granted.
Auto Insurance - What do You really Need?
When shopping for car insurance, you must take a number of factors into consideration in order to obtain the best coverage for your needs at a reasonable price. For instance, how much
is your vehicle worth?
Home-owner's Insurance: How to Save Money on Home Insurance?
Home-owner's insurance should allow you to rebuild and refurnish your home after a catastrophe and insulate you from lawsuits if someone is injured on your property.
Guide To Homeowners Insurance: Different Types of Coverage
All insurance is definitely not created equal or, put another way, you get what you pay for. The least costly homeowners insurance will likely give you the least amount of coverage, and
vice versa.
Life Insurance
Life insurance, payable when you die, can provide a surviving spouse, children, and other dependents with the funds necessary to maintain their standards of living, can help repay debt,
and
can fund education tuition costs.
Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three main factors affecting your insurance premium (age and family medical history), there are steps you can take regarding the third -
lifestyle. You could lower your insurance premium if you:
Annuities & Pensions Insurance
Basically, an annuity is just a series or stream of payments. “Annuity” comes from the Latin for “year”. In the context of life insurance, it is a contract between you and an insurance
company under which the insurance company pays you money for a stipulated period.
Things to Remember When Buying Health-care
It’s always much easier and much less complicated choosing healthcare coverage from your employer.
Your Health Insurance; and what it should Cover
How to analyzed the costs that you pay under your health-care insurance plan. In this article we’ll look at some of the basic coverages which should be included in your policy.
Need
Five Insurance Policies Everyone Should Have
Protecting your most important assets is an important step in creating a solid personal financial plan. The right insurance policies will go a long way toward helping you safeguard your
earning power and your possessions
THE IMPORTANCE OF INSURANCE IN SOMEONE'S LIFE!
Your Financial Plan; Insurance is an important element of any sound financial plan
Different types of insurance protect you and your loved ones in different ways against the cost of accidents, illness, disability, and death.
Auto Insurance
Auto insurance protects you from damage to the often considerable investment in a car and/or from liability for damage or injury caused by you or someone driving your vehicle.
The 10 Best Ways to Lower Your Car Insurance Bill
Money saved is money earned. Many people spend more than is absolutely necessary on their daily bills, the things that they take for granted.
Auto Insurance - What do You really Need?
When shopping for car insurance, you must take a number of factors into consideration in order to obtain the best coverage for your needs at a reasonable price. For instance, how much
is your vehicle worth?
Home-owner's Insurance: How to Save Money on Home Insurance?
Home-owner's insurance should allow you to rebuild and refurnish your home after a catastrophe and insulate you from lawsuits if someone is injured on your property.
Guide To Homeowners Insurance: Different Types of Coverage
All insurance is definitely not created equal or, put another way, you get what you pay for. The least costly homeowners insurance will likely give you the least amount of coverage, and
vice versa.
Life Insurance
Life insurance, payable when you die, can provide a surviving spouse, children, and other dependents with the funds necessary to maintain their standards of living, can help repay debt,
and
can fund education tuition costs.
Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three main factors affecting your insurance premium (age and family medical history), there are steps you can take regarding the third -
lifestyle. You could lower your insurance premium if you:
Annuities & Pensions Insurance
Basically, an annuity is just a series or stream of payments. “Annuity” comes from the Latin for “year”. In the context of life insurance, it is a contract between you and an insurance
company under which the insurance company pays you money for a stipulated period.
Things to Remember When Buying Health-care
It’s always much easier and much less complicated choosing healthcare coverage from your employer.
Your Health Insurance; and what it should Cover
How to analyzed the costs that you pay under your health-care insurance plan. In this article we’ll look at some of the basic coverages which should be included in your policy.
Vehicle Insurance
Vehicle or auto insurance is designed to protect a driver's car, truck, motorcycle and other vehicles against losses sustained from events like traffic accidents. You
agree to pay the premium, and in the event of an accident, the insurance company agrees to pay your losses as defined in your policy. In most states, except Wisconsin
and New Hampshire, having auto insurance is compulsory
Vehicle insurance has the following six types of coverage:
1. Bodily Injury Liability: If you, the policyholder, are involved in a traffic accident and the other driver is injured, bodily injury liability takes care of the medical costs for
the injured party. This kind of coverage is beneficial because you are protected from the risk of being sued.
2. Personal Injury: This coverage is like the bodily injury coverage, but the difference is that it pays for the injury to you, the policyholder, and any passengers in your
car.
3. Property Damage: This coverage pays for any damage caused to someone else's property due to an accident. Property includes the other party's car, telephone
poles, fences, lampposts, garages, trash cans, buildings or any other items hit during the accident.
4. Collision: This coverage covers any damages inflicted on your car from a collision with another car, flipping over or even hitting a pothole. If you are at fault for the
accident, the insurance company will pay you back the cost of repairing your car less the deductible. If you are not at fault, the insurance company will try to recover the
amount they pay you from the other driver's insurance company. If they are successful in recovering the money, the insurance company might even reimburse you the
deductible.
5. Comprehensive: Comprehensive coverage is a very popular type of insurance coverage. It repays you for loss or damages due to any other event besides traffic
accidents, like theft, fire, flood, earthquake, contact with animals, etc. As with any other coverage, the higher the deductible, the lower the premium paid.
6. Uninsured Motorist Coverage: This coverage protects you, your family members or someone driving your car with your permission if one of you is hit by an at-fault,
uninsured driver.
Vehicle or auto insurance is designed to protect a driver's car, truck, motorcycle and other vehicles against losses sustained from events like traffic accidents. You
agree to pay the premium, and in the event of an accident, the insurance company agrees to pay your losses as defined in your policy. In most states, except Wisconsin
and New Hampshire, having auto insurance is compulsory
Vehicle insurance has the following six types of coverage:
1. Bodily Injury Liability: If you, the policyholder, are involved in a traffic accident and the other driver is injured, bodily injury liability takes care of the medical costs for
the injured party. This kind of coverage is beneficial because you are protected from the risk of being sued.
2. Personal Injury: This coverage is like the bodily injury coverage, but the difference is that it pays for the injury to you, the policyholder, and any passengers in your
car.
3. Property Damage: This coverage pays for any damage caused to someone else's property due to an accident. Property includes the other party's car, telephone
poles, fences, lampposts, garages, trash cans, buildings or any other items hit during the accident.
4. Collision: This coverage covers any damages inflicted on your car from a collision with another car, flipping over or even hitting a pothole. If you are at fault for the
accident, the insurance company will pay you back the cost of repairing your car less the deductible. If you are not at fault, the insurance company will try to recover the
amount they pay you from the other driver's insurance company. If they are successful in recovering the money, the insurance company might even reimburse you the
deductible.
5. Comprehensive: Comprehensive coverage is a very popular type of insurance coverage. It repays you for loss or damages due to any other event besides traffic
accidents, like theft, fire, flood, earthquake, contact with animals, etc. As with any other coverage, the higher the deductible, the lower the premium paid.
6. Uninsured Motorist Coverage: This coverage protects you, your family members or someone driving your car with your permission if one of you is hit by an at-fault,
uninsured driver.
The 10 Best Ways to Lower Your Car Insurance Bill! Ways to Save money on Gasoline; Gas Saving Tips and Suggestions for all drivers; Important Things to do if
You’re Involved in an Auto accident…
You’re Involved in an Auto accident…
FORECLOSURE INVESTMENT
The Time is Now to Profit from Foreclosure
A “Perfect Storm” of events has made investing in foreclosure properties better than ever - and
now’s the time for you to profit...
THE HOME BUYING GUIDE!--------------------IMPORTANT THINGS TO KNOW BEFORE BUYING...
The home-buying process doesn't need to be scary. Our step-by-step guide will walk you
through the process and answer your questions on what you should expect from us as your
realtor, where
to look for loans, and what to watch out for when closing the deal.
HOME SELLING: WAYS TO SELL A PROPERTY FAST AND EASY FOR THE TOP PRICE!
Selling a home is a big decision and requires a lot of work. From getting the house ready to
reviewing the escrow papers, our helpful guide will walk you through the
process of selling your home.
SHORT SALE: REAL ESTATE INVESTMENT OPPORTUNITY FOR ALL
SHORT SALE allows you to buy as many properties as you want.
Flip them, Hold them, Rent them, Refinance them and make profits.
PRE-CONSTRUCTION, A GREAT WAY TO INVEST IN REAL ESTATE. BUT YOU HAVE TO
KNOW THE SECRETS OF IT.
Florida Real Estate for sale: Wonderful prices, great location,extraordinary view,very spacious.
NO OTHER INVESTMENTS BUILD WEALTH LIKE REAL ESTATE!
NOW REALLY IS A GREAT TIME TO BUY A PROPERTY:
COMPETITIVE PRICES, LOW INTEREST RATES, MANY CHOICES
COMMERCIAL REAL ESTATE; A BETTER WAY TO INVEST AND GET RICHER! MULTI-
WAYS TO WIN BIG IN REAL ESTATE
1031 Exchange, Tax Saving Tips for Real Estate Investors and landlords Give Financial
Advantage
MIAMI REAL ESTATE: The Time is Now to Profit from Real Estate investing--
A “Perfect Storm” of events has made investing in Real Estate properties better than ever -
and now’s the time for you to profit...
CALL Mr. ANTONY AT: 786-709-6577 --- Fortune International Realty
COMMERCIAL LEASE: Before you rent space for your business, be sure you understand
these basic facts about commercial leases.
Manufactured Homes, Mobile Homes, an Affordable Housing Alternative
We are dedicated ourselves to helping bring prospective buyers of manufactured homes in
contact with retailers who sell homes in their area. We aim to help buyers wade through the
excess of information providing a simple directory that enables buyers to quickly and
efficiently contact us to help them find the dealers in which they are interested.
The Time is Now to Profit from Foreclosure
A “Perfect Storm” of events has made investing in foreclosure properties better than ever - and
now’s the time for you to profit...
THE HOME BUYING GUIDE!--------------------IMPORTANT THINGS TO KNOW BEFORE BUYING...
The home-buying process doesn't need to be scary. Our step-by-step guide will walk you
through the process and answer your questions on what you should expect from us as your
realtor, where
to look for loans, and what to watch out for when closing the deal.
HOME SELLING: WAYS TO SELL A PROPERTY FAST AND EASY FOR THE TOP PRICE!
Selling a home is a big decision and requires a lot of work. From getting the house ready to
reviewing the escrow papers, our helpful guide will walk you through the
process of selling your home.
SHORT SALE: REAL ESTATE INVESTMENT OPPORTUNITY FOR ALL
SHORT SALE allows you to buy as many properties as you want.
Flip them, Hold them, Rent them, Refinance them and make profits.
PRE-CONSTRUCTION, A GREAT WAY TO INVEST IN REAL ESTATE. BUT YOU HAVE TO
KNOW THE SECRETS OF IT.
Florida Real Estate for sale: Wonderful prices, great location,extraordinary view,very spacious.
NO OTHER INVESTMENTS BUILD WEALTH LIKE REAL ESTATE!
NOW REALLY IS A GREAT TIME TO BUY A PROPERTY:
COMPETITIVE PRICES, LOW INTEREST RATES, MANY CHOICES
COMMERCIAL REAL ESTATE; A BETTER WAY TO INVEST AND GET RICHER! MULTI-
WAYS TO WIN BIG IN REAL ESTATE
1031 Exchange, Tax Saving Tips for Real Estate Investors and landlords Give Financial
Advantage
MIAMI REAL ESTATE: The Time is Now to Profit from Real Estate investing--
A “Perfect Storm” of events has made investing in Real Estate properties better than ever -
and now’s the time for you to profit...
CALL Mr. ANTONY AT: 786-709-6577 --- Fortune International Realty
COMMERCIAL LEASE: Before you rent space for your business, be sure you understand
these basic facts about commercial leases.
Manufactured Homes, Mobile Homes, an Affordable Housing Alternative
We are dedicated ourselves to helping bring prospective buyers of manufactured homes in
contact with retailers who sell homes in their area. We aim to help buyers wade through the
excess of information providing a simple directory that enables buyers to quickly and
efficiently contact us to help them find the dealers in which they are interested.
WHAT GUIDELINES ARE REQUIRED FOR A MORTGAGE LOAN?
Mortgages are used by individuals and businesses wishing to make large value purchase of real
estate without payment the entire value of the purchase up front. Mortgages are also known as
lien against property, or claims on property. Mortgage is a legal agreement that creates an
interest in a real estate property between borrower and the lender.
HOW TO UNDERSTAND THE HOME LOAN PROCESS?
Understand that in order to finance or refinance a loan the lender requires documentation to
verify and substantiate your employment, credit and financial situation to assure its investors
that you have the ability to repay the MONEY
HOME REFINANCING: 10 GREAT REASONS TO REFINANCE A PROPERTY. NOW IT'S THE
BEST TIME FOR REFINANCING, THE INTEREST RATE IS VERY LOW.
MORTGAGE LOAN MODIFICATION PROGRAMS; AN ALTERNATIVE TO REDUCE MONTHLY
MORTGAGE PAYMENT, TO AVOID FORECLOSURE, TO SAVE YOUR CREDIT RATING, TO
SAVE YOUR PROPERTY.
REVERSE MORTGAGE
NO MORTGAGE PAYMENTS EVER AGAIN: IF YOU OWNED A HOME AS YOUR PERSONAL
RESIDENCE.
TO IMPROVE YOUR QUALITY OF LIFE AND LIVE WITH NO STRESS!
IF YOU'RE 62 YEARS OF AGE OR OLDER, YOU CAN ACHIEVE THIS, THROUGH A REVERSE
MORTGAGE, REGULATED BY THE U.S. GOVERNMENT.
FINANCING YOUR REAL ESTATE INVESTMENT; BUYING YOUR FIRST, SECOND, AND OR
THIRD PROPERTY. HOW AND WHERE TO FIND MONEY? CLICK RIGHT HERE!
FHA: F H A MORTGAGE LOANS, THE GOVERNMENT IS THERE TO HELP YOU PURCHASE
YOUR HOME. PLEASE CONTACT US WE WILL SHOW YOU THE WAY .
MORTGAGE LOAN PRE-QUALIFICATION, LOW INTEREST RATES,
8 Reasons to Get Pre-Approved for a Home Loan
Learn why pre-approval is one of the smartest moves you can make when shopping for a home
Subprime Mortgage
 A type of mortgage that is normally made out to borrowers with lower credit ratings. As a
result of the borrower's lowered credit rating, a conventional mortgage is not offered because the
lender views the borrower as having a larger-than-average risk of defaulting on the loan.
FINANCING YOUR REAL ESTATE INVESTMENT; BUYING YOUR FIRST, SECOND, AND OR
THIRD PROPERTY. HOW AND WHERE TO FIND MONEY? CLICK RIGHT HERE!
RENTAL PROPERTY / COMMERCIAL REAL ESTATE / COMMERCIAL LEASE Tips for Making
Solid Business Agreements and Contracts
Mortgages are used by individuals and businesses wishing to make large value purchase of real
estate without payment the entire value of the purchase up front. Mortgages are also known as
lien against property, or claims on property. Mortgage is a legal agreement that creates an
interest in a real estate property between borrower and the lender.
HOW TO UNDERSTAND THE HOME LOAN PROCESS?
Understand that in order to finance or refinance a loan the lender requires documentation to
verify and substantiate your employment, credit and financial situation to assure its investors
that you have the ability to repay the MONEY
HOME REFINANCING: 10 GREAT REASONS TO REFINANCE A PROPERTY. NOW IT'S THE
BEST TIME FOR REFINANCING, THE INTEREST RATE IS VERY LOW.
MORTGAGE LOAN MODIFICATION PROGRAMS; AN ALTERNATIVE TO REDUCE MONTHLY
MORTGAGE PAYMENT, TO AVOID FORECLOSURE, TO SAVE YOUR CREDIT RATING, TO
SAVE YOUR PROPERTY.
REVERSE MORTGAGE
NO MORTGAGE PAYMENTS EVER AGAIN: IF YOU OWNED A HOME AS YOUR PERSONAL
RESIDENCE.
TO IMPROVE YOUR QUALITY OF LIFE AND LIVE WITH NO STRESS!
IF YOU'RE 62 YEARS OF AGE OR OLDER, YOU CAN ACHIEVE THIS, THROUGH A REVERSE
MORTGAGE, REGULATED BY THE U.S. GOVERNMENT.
FINANCING YOUR REAL ESTATE INVESTMENT; BUYING YOUR FIRST, SECOND, AND OR
THIRD PROPERTY. HOW AND WHERE TO FIND MONEY? CLICK RIGHT HERE!
FHA: F H A MORTGAGE LOANS, THE GOVERNMENT IS THERE TO HELP YOU PURCHASE
YOUR HOME. PLEASE CONTACT US WE WILL SHOW YOU THE WAY .
MORTGAGE LOAN PRE-QUALIFICATION, LOW INTEREST RATES,
8 Reasons to Get Pre-Approved for a Home Loan
Learn why pre-approval is one of the smartest moves you can make when shopping for a home
Subprime Mortgage
 A type of mortgage that is normally made out to borrowers with lower credit ratings. As a
result of the borrower's lowered credit rating, a conventional mortgage is not offered because the
lender views the borrower as having a larger-than-average risk of defaulting on the loan.
FINANCING YOUR REAL ESTATE INVESTMENT; BUYING YOUR FIRST, SECOND, AND OR
THIRD PROPERTY. HOW AND WHERE TO FIND MONEY? CLICK RIGHT HERE!
RENTAL PROPERTY / COMMERCIAL REAL ESTATE / COMMERCIAL LEASE Tips for Making
Solid Business Agreements and Contracts
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