Why is shopping around for "low cost insurance" such an important step in saving money for an "economical insurance" policy?
Here are the benefits of shopping around:
Comparing prices - with an "insurance rate comparison"
Comparing coverage options - and "insurance deductible"
Comparing policies - to get ie: the "Cheapest Auto Insurance Rate"
Talking to agents - regarding the different "insurance types"
Setting what you want re: an "insurance rate comparison"
Making sure that you get what you need in a "low cost insurance" policy
Making sure that the coverage that you are planning to get will go with your lifestyle
Here is where you can shop around:
Internet - Compare rates
Contact friends and co-workers
Look for commercials and advertisements that will help you find different companies offering "economical insurance" on "Property and Casualty Insurance"Policies
When shopping around, compare the following factors:
Coverage: and "Insurance Deductible"
Policies - "Insurance Types" Prices: Check for "Low Cost Insurance" ie: "Cheapest Auto Insurance Rates"
Customer service - a thorough "Insurance Rate Comparison"
Finding a lower home "low cost insurance" quote can save you up to hundreds of dollars annually
Comparing a homeowners "low cost insurance" quote from multiple agencies offers you the consumer "economical insurance" and a better chance of getting more value, better service and excellent pricing, better than "average insurance rates".
Insurance agents feel the competition and scramble to give you the best "insurance rate comparison" and the best and "low cost insurance" plan available.
Shopping around is the key to getting the lowest "property and casualty insurance" product, as long as you know the answers to a few simple questions.
Then you are on your way to finding the "Cheapest House Insurance" premium on the market for the best coverage to suit your needs.
Owning and running a business can be a costly venture. Could you afford to pay legal or medical fees should something happen to one of your employees or you required repairs to your vehicle while on a delivery? These are just a few reasons why protecting yourself with Commercial Insurance is so important.
There are many commercial insurance policies available out there. Whether you need general liability, commercial auto, group life health or any other Business Insurance, we can help you get a quote.
CLICK BELOW Get your Business Insurance Quote Today
First, motorcycles are expensive. They can cost $20,000 or more.
Second, they're easily damaged and even totally wrecked. Even a minor collision at low speeds can cause enough damage to your bike that you'll need to get rid of it.
What's worse, a large percentage of drivers don't have any insurance. So, if they hit you while you're on your motorcycle and they're at fault, it could be financially devastating for you.
Uninsured/underinsured motorist coverage provides you with a safety net in the event that happens. You won't be vulnerable to the chances of the at-fault party not having sufficient insurance.
You’ve probably heard your whole life that buckling up saves lives. Chances are you went through that rebellious period most of us go through where you refuse to buckle up because it doesn’t look “cool” or "it's uncomfortable." Many people grow out of that and realize, before it’s too late, that seat belts are a good thing. But, did you know that wearing your seat belt could also save on your car insurance?
Atthe CoverMe links provided below,they do the work for you. After you enter your information just once, they send you multiple auto insurance quotes in no time. To make your experience even more painless, many of the auto insurance partners give you the ability to buy your low cost vehicle insurance policy right online – a practical way to get the coverage you need ...fast.
Strike the Perfect Balance between "Cheapest Auto Insurance Rates" and Sufficient Coverage While our primary goal is to find you the most "economical insurance" provider, in no way do they cut corners to make this happen. They have high standards in place, and only those auto insurance companies who meet such standards become their partners. From national to local auto insurance providers, they strictly collaborate with companies who we feel will ultimately serve the best interests of our clients, with the "cheapest auto insurance rates".
Finding the "Cheapest Auto Insurance Rates" By shopping around, you better your chances of finding the cheapest online auto insurance quotations. When you have multiple quotes in front of you, it is easy to compare one budget automobile insurance rate against another. Although saving money is important, make sure you thoroughly understand each auto insurance company’s policy features and coverage information before you commit. Not only is it important to secure a "cheapest auto insurance rates" than what you already have, but also to obtain a policy that effectively meets your needs as a driver. Remember: while the establishment of a "low cost insurance policy" is exciting, the "cheapest auto insurance rates" may not always be the best deal for you. After all, an insurance policy is useless if it can’t cover you at the times you need it most.
Free Online Auto Insurance Comparison Service Associated with numerous auto insurance providers, CoverMe links offer a simple, fast and seamless online service for you to quickly compare auto insurance, home insurance, life insurance, health insurance and motorcycle insurance quotes. The comprehensive online system allows them to provide clients with the "cheapest auto insurance rates". Every day, users are comparing car insurance coverage to find the best and "cheapest auto insurance rates, and we are fulfilling our mission to save you time and money during your search.
Life insurance is essentially a contract between the policy owner, the insurer, and the insured.
The policy owner often insures himself, making the owner and the insured, the same person. The owner must also authorize a beneficiary.
The beneficiary will receive the death benefit that the insurer has agreed to pay upon the death of the insured.
In return, the policy owner must regularly pay a premium to continue based on the terms of the contract, as detailed by the policy.
Exclusions to limit the liability of the insurer may be written into the contract for such things as claims regarding war and civil commotion. Things that are generally covered by the insurance policy include death, disability, requirement for long term care, and diagnosis of a terminal or critical illness.
Life insurance can be categorized into two basic classes: temporary or term life insurance and permanent, which includes whole life, universal life, and endowment insurance.
You can find out more about these different types of life insurance on our site.
Also, all "Property and Casualty" "Insurance Comparisons" are available at this one link. Find "Car Insurance Deals" and "Insurance Rate Comparisons" on all your Insurance Needs
Owning and driving a car affords you freedom, independence and flexibility you wouldn’t have by any other means. With keys in hand and gas tank full, you can travel almost anywhere you want on your own timetable.
But driving isn’t cheap. In fact, expenses like maintenance, fuel, taxes, insurance and depreciation can make a severe dent in your wallet.
Ways to Save
When times get tough, some people ditch their ride in favor of other means of transportation.
While an alternative worthy of consideration, catching a city bus, hopping on the local light-rail or peddling your way to work may not be your cup of tea. It may also require rearranging your life, schedule and habits—and you may not be willing or able to make those kinds of concessions.
If you’re determined to continue driving but you need to spend less doing it, consider these secrets to help cut the cost of driving.
Find a great mechanic—and practice preventive maintenance. Your car needs frequent, light maintenance to keep it in tip-top running shape. But if you’re not handy yourself, don’t take it to just anyone for servicing. Instead, ask around and find out who family and friends use. Then experiment with a recommended mechanic, let him get to know your vehicle, and form a relationship of trust with him. Some procedures you’ll want him to perform on a regular basis include oil changes, air filter replacements, tire balancing and rotation, and overall operations systems checkups. Taking care of these items now will help prevent larger repair bills down the road.
Shop for "superior insurance" online. Though it’s one of the most expensive responsibilities of car ownership, auto insurance protects you financially in case of accident—and thus is absolutely essential. When money gets tight, don’t cancel your policy, drive uninsured or pay too much for the right coverage. Shop for "insurance rate quote" online and compare "average insurance rates" at a site like any of the links provided below, at least once a year. You’ll save money with "easy insurance" premiums and keep everyone in your household in case they’re involved in an accident.
Consider sharing a ride. Live near someone you work or go to school with? OK, so maybe that coworker or annoying classmate isn’t your best friend. But with the savings you can amass by sharing the expense and driving one car, it can be well worth your time to put aside personal feelings and carpool. If you don’t know of anyone who might be interested, try posting a note on your employer’s intranet site, asking friends for recommendations or checking bulletin boards at local schools and churches.
Don’t just stop at the nearest gas station. Before you head out to fill up your gas tank at whichever gas pump is closest, take a minute to shop for the cheapest fuel online at a site like AAA.com or your local news station. Though this may require you to plan ahead before your tank is actually empty, being prepared can save you a considerable sum of money that really adds up over time.
Shop locally—and plan ahead. Why spend extra money driving to the supercenter across town when you can save money in gas shopping closer to home? Sure, your local grocer’s prices may be slightly higher than that mega-center’s. But do you really save that much driving miles and miles from one side of the city to the other when gas costs $3 or $4 a gallon? Try shopping locally instead, planning your trips for times of lowest traffic volume and least backtracking. This keeps you from wasting gas by idling in rush hour, waiting in line behind other motorists or driving additional miles to get to your destination.
A Common Sense Approach
In case you haven’t heard, you don’t have to give up your car to counter the high cost of driving these days.
Instead, use common sense, consider alternating driving with other means of transportation occasionally, and put the secrets above to work in your favor on a daily or monthly basis. You might be surprised how much cheaper driving can be!
Designed for a once off exhibition of art German based artists Klaudiusz Golos and Sebastion Mikuciuk created this “upside-down” home just for the hell of it. It is located in Trassenheide, Germany and still stands as a tourist attraction.
"HOME INSURANCE DEALS"
No matter the size or shape of your home, you need to properly insure it with people who know their business... Insurance Agents, who will shop the markets for you and get you the best coverage for a competitive premium you can afford.
Fast, Free "Insurance Rate Quote"
Busy lives call for simplicity, convenience and "easy insurance". And when it comes to finding "average insurance rates" for insurance, nothing makes your life easier than a free "insurance rate quote".
So make things easy on yourself. When it's time to shop your "property and casualty insurance" rates, let us streamline the process. Tell us where you're located and what kind of "superior insurance" you're looking for, and we'll snag top agents by "insurance definition" in your area with the products and services you need.
It's all quick, straightforward—and comfortable. Now that was unexpected, wasn't it?
CLICK HERE: GET STARTED SAVING TODAY
Sunday, May 8, 2011
TORNADOES -DID YOU KNOW?
Toll
1. According to a study by A.M. Best, tornadoes in "insurance terms" are responsible for 57 percent of all catastrophic losses by "insurance defintion" since 1953. The costliest tornado to date struck Georgia in 1973, causing $5.35 billion in damage. Tornadoes are approaching hurricanes in terms of costliness. According to the Insurance Information Institute's 2009 Insurance Fact Book , "insured damages of $1 billion or more from a single event [are] becoming more common."
Frequency
2. In 2008, 1,390 tornadoes touched down in the United States in the first seven months of the year, setting a new record. Kansas and Texas typically see the most action; in 2007, twisters hit Kansas 137 times and Texas 197 times. However, Florida, with its dense population, saw the highest number of tornado fatalities in 2007 with 21. Given the right circumstances, tornadoes can occur at any time of year, but they are most frequent between April and September.
Cause
3. While we know that tornadoes emerge from thunderstorms, the U.S. National Oceanic and Atmospheric Administration (NOAA) doesn't fully understand why some t-storms produce them while others don't. "The classic answer - 'warm moist Gulf air meets cold Canadian air and dry air from the Rockies' -- is a gross oversimplification. Many thunderstorms form under those conditions (near warm fronts, cold fronts and drylines respectively), which never even come close to producing tornadoes." Needless to say, this gap in knowledge makes tornado prediction ??a very imprecise exercise.
Rating
4. Tornado strength is measured by the enhanced Fujita scale, from 0 to 5, with an F5 tornado packing 300-mph winds. The F-scale, as it's known, measures intensity by analyzing wind damage to manmade structures. While based on engineering guidelines, the scale is subjective. NOAA: "Nobody knows the 'true' wind speeds at ground level in most tornadoes, and the amount of wind needed to do similar-looking damage can vary greatly, even from block to block or building to building."
Coverage
5. Most standard homeowners insurance policies cover tornado-related damage. Car damage is covered under your auto insurance policy's comprehensive coverage (which is an elective coverage that kicks in after you pay your deductible amount).
To obtain an "Insurance Rate Quote" to cover a Tornado event in "Insurance Terms", click on the link below and obtain "Insurance Cheaper" with the "Cheapest House Insurance" rate and "Cheapest Auto Insurance Rates". Check out all the "average insurance rates" for "Property and Casualty Insurance" online.
What many Americans don't know is that insurance fraud increases insurance rates for consumers nationwide. According to the National Insurance Crime Bureau (NICB), insurance fraud costs each American household $200 to $300 per year—a loss totaling at least $30 billion a year.
About Insurance Fraud
Insurance fraud is defined as an intentional misrepresentation of facts and circumstances to an insurance company to illegally obtain funds. Insurance fraud is a very common white-collar crime, right up there with tax evasion.
Insurance fraud can be committed at different points in the insurance transaction, by applicants, policyholders, third-party claimants or professionals such as physicians or chiropractors who provide services to the claimants. Insurance fraud may also be committed by insurance agents by misrepresenting themselves to a client, resulting in the consumer paying for coverage he or she may not actually have.
Hard vs. Soft
"Hard" insurance fraud occurs when there is a deliberate attempt to stage or invent an accident, injury, theft or other incident that would be covered by insurance.
In the world of auto insurance fraud, "crash test dummies" are known as drivers and passengers used in staged auto accidents. “Crash test dummies" will typically approach people and convince them to participate in the scam, saying that legal, medical and all other paperwork will be taken care of. Generally, the two motorists will then crash their cars into each other and report the accident to authorities. In addition, the driver and any passengers in the car will falsely claim they were injured in the accident.
The result for consumers? Auto insurance fraud increases premiums for everyone—criminals and law-abiding alike.
In Florida, a new trend in hard auto insurance fraud is called "ditching" or "owner-give up." "Ditching" typically occurs when the owner can no longer afford the vehicle or is otherwise unhappy with it. The vehicle is then dumped somewhere or burned, after which the claimant reports that his or her car has been stolen or victim of arson.
On the other end of the fraud spectrum, "soft" insurance fraud occurs when the policy holder exaggerates a legitimate claim. Soft insurance fraud also occurs when people provide false information their insurance agent to favorably affect the underwriting of their policy. Soft insurance fraud includes fudging facts, like the number of miles driven and where a car is garaged, or providing an inaccurate medical history when applying for health insurance.
Both hard and soft fraud contribute to all forms of insurance fraud—auto, health, home and life—and takes money out of the pockets of consumers across the country.
