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Monthly Archive: March 2016

Thursday

31

March 2016

0

COMMENTS

Car insurance for New Drivers and Teenagers: Definitive Guide

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Tips - Car insurance for New Drivers and Teenagers: Definitive Guide

A Definitive Guide on Car insurance for New Drivers and Teenagers

Car insurance for new drivers is really difficult because of the fact that most new drivers are teenagers who’ve never really been known for being responsible or levelheaded from an insurance company’s point of view. It’s also really difficult because Motor vehicles are the leading cause of death.

Another reason why new drivers find it so hard to get insurance is that there’s no driving record because they’ve never driven before.There’s no credit history because they’re under 18 and there is no previous insurance coverage so the insurance company cannot look at claims histories.The end result of this is that premiums for new drivers are usually high leading most people to get right to the cheapest option. read more

Wednesday

30

March 2016

0

COMMENTS

Comprehensive Insurance Coverage Explained: Benefits and Costs

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Types - Comprehensive insurance coverage explained: Benefits and Costs

Comprehensive Insurance Coverage Explained: Benefits and Costs

A comprehensive cover is one of the best levels of protection you can get for your Vehicle. Fire, theft, third party and third party only cover the damage you have caused to others when the accident is deemed your fault. Any damage that occurs to your car is your own problem. A comprehensive cover takes care of the damage to your car as well.

Benefits

With a comprehensive car insurance, you can make a claim from your insurance company for accidents that you have causedThis also applies when the fault cannot be proven, for example if you find that your car has been hit and the person responsible has driven off. A comprehensive cover takes care of repairs and  if your car is written off , you get a brand new car. read more

Tuesday

29

March 2016

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COMMENTS

Understanding Insurance Companies and the Roles of Agents

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Types - Comprehensive insurance coverage explained: Benefits and Costs

Insurance Companies and the Roles of Agents

An insurance company helps an individual in the event of a loss. It is good to ask your local independent agent to help you decide which  option is right for you whether you are purchasing insurance for a new car purchase or to protect your investment.

Not many people can  afford to pay for a big accident out of their own pocket but, how much insurance do you need, the costs involved and whether you can access the premium services? Understanding your insurance policies is easier said than done, that’s where an independent agent comes in. An independent agent is  there to answer your questions and help you understand the coverages and limits you need to protect you and your family and to make the right decisions. read more

Monday

28

March 2016

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COMMENTS

The purpose of an insurance policy and coverage explained

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The purpose of an Insurance Policy and Coverage Explained

First, we need to understand the purpose of an insurance policy; an insurance policy is an agreement between you and the insurance company. You agreed to pay a premium for this coverage and protection is provided by the policy and in exchange, the insurance company agrees to pay referral losses covered by the policies such as fire damage.

Insurance policies are not meant to cover all expenses, that’s why insurance policies include a deductible; the deductible is the amount you have to cover out of your own pocket when a loss occurs. read more

Sunday

27

March 2016

0

COMMENTS

Prices for car insurance. How to get the best car insurance quote

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Tips - Prices for car insurance. How to get the best car insurance quote

Prices for car insurance. How to get the best car insurance quote

Prices differ from company to company, so it pays to shop around, and get at least three price quotes. You can call companies directly or research the information online. Your state insurance department may also provide comparisons of prices charged by major insurers.

While shopping, get quotes from different types of insurance companies. Some sell through their own agents; some sell through independent agents who offer policies from several insurance companies. And a growing number of insurers sell directly to consumers over the phone or via the Internet. read more

Saturday

26

March 2016

0

COMMENTS

Car Insurance Coverage Types and the Ones you Need

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Types - Car insurance coverage types and which one you need

Car Insurance Coverage Types and the Ones you Need

When people use the term “full coverage”, they often mean a combination of various types of coverage.

Don’t worry there’s plenty of auto insurance options that exist to help protect you and we are going to cover them right here.

Accident liability coverage is designed to cover injuries and damages in the event you cause an accident or damage to property. Liability is usually billed from two components; body injury and property damage. Body injury liability coverage helps protect you if you are responsible for an accident that hurts another person. Body injury liability can help you pay for the other person’s medical bills, compensation for loss of income, and emergency aid in an accident scene as well as your legal bills if that person sues you. read more

Friday

25

March 2016

0

COMMENTS

Personal umbrella policy: Learn about Umbrella Insurance Policy

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Personal Umbrella Policy

Do you own a dog? Drive a car? or bring guests into your home? If so, you have the potential to be a target of a lawsuit putting you at risk of losing everything you’ve worked for over the years. This includes your home, your savings and even your future income.

Unfortunately we live in a society where lawsuits are becoming common. People are caught off-guard and are unprepared for the consequences and verdicts; the settlements are often in the millions but the good news is, there’s a way to protect yourself, it’s called personal umbrella policy. Your insurance will pay the first $300,000 but what about the remaining $700,000 dollars? How are you ever going to pay for that?  read more

Thursday

24

March 2016

0

COMMENTS

5 Proven Methods of Choosing the Best (and Cheapest) Car Insurance

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Faq - 5 Proven Methods of Choosing the Best (and Cheapest) Car Insurance

Proven Methods of Choosing the Best (and Cheapest) Car Insurance

Methods of choosing the best car insurance

Most of us want to have better and effective car insurance but we constantly we fail. The following are the best methods of choosing the best car insurance.

Find the best coverages and amenities,  by coming up with a list of amenities and coverages, you will be able to easily find the best car insurance.

Customer service of the company should be considered.

Over-viewing the company’s reputation as you’re looking for a cheaper option: Once a person finds a cheap car insurance provider, in most cases, they fail to observe the company’s activities and customer reviews that give  a clear concept regarding the company. read more

Wednesday

23

March 2016

0

COMMENTS

What is Comprehensive coverage for car insurance

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What is Comprehensive coverage for car insurance

Comprehensive coverage is meant to protect you against vehicle damages not caused by collision. You  are covered by the comprehensive cover if your car is stolen or damaged by fire, floods, or vandalism. Many lending institution may require this coverage so check with your lending or leasing institution to determine whether it’s required.

A comprehensive cover eases your mind by ensuring that you are covered in the event of a natural disaster. The natural disasters include falling objects, fire, hail,  and animal damage. With this cover, you don’t have to get money from your pocket to pay for car fixing when disaster strikes. read more

Tuesday

22

March 2016

0

COMMENTS

5 Tips for Getting the Best Rate on Your Car Insurance

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Tips - 5 Tips for Getting the Best Rate on Your Car Insurance

5 Tips for Getting the Best Rate on Your Car Insurance

The following are the tips to get a good comprehensive auto insurance policy at a lower rate from your insurance company.

Number one, driving record, avoid reckless driving like infraction and remember no texting or talking while driving. Your driving record has an impact on your insurance premium; if you have a bad driving record your insurance premium is likely to become expensive.

Number two, don’t let other people drive your car, allowing other people to drive your vehicle presents an increased risk of an accident. read more