Insurance Knowledge

Get to know Insurance better. Read provided articles and learn to select affordable offers, and get reliable insurance products. Getting well-balance insurance plans can save you hundreds of dollars annually just because you know how to...

Insurance Categories: General, Auto, Homeowners, Life

General Insurance

Tips for Getting the Best Insurance Quote [published 23 Nov 2007]
Have your current insurance policy with you when requesting your insurance quotes; Consider a higher insurance deductible; Place all of your insurance policies with the same company to qualify for a multiple policy discount...

More General Insurance Articles

Auto Insurance

Determining Auto Insurance Coverage: The Three Basic parts to an Auto insurance Policy [published 23 Nov 2007]
Auto Insurance Bodily Injury (BI) Liability and Property Damage (PD) coverage is Legally required in most states today. (BI & PD) Most people understand that they need BI & PD, but they have no idea how to determine how much coverage they need.

Keeping Auto Insurance Rates Affordable: Which Car Should You Own? [published 23 Nov 2007]
Do you consider the cost of car insurance before you buy your dream car? You should. The Highway Loss Data Institute analyzes the cost to insurance companies from theft, collision, and injury claims as they relate to cars. They look at the color of the cars, how many doors they have, and even break them down type.

Filing a Car Insurance Claim (Seven Steps) [published 23 Nov 2007]
Having even a small car accident can be one of least enjoyable moments. However, accidents happen, and sooner or later, we all may have the experience of meeting one of our fellow road travelers up too close and personal and having to file a car insurance claim.

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Homeowners Insurance

Homeowners Insurance Can Hurt You [published 4 Mar 2010]
Owning a house is a big responsibility. However, most of us dream about the perfect house. We dream about gorgeous furniture, deep, plush carpet or glossy hard wood floors, huge windows and, perhaps, a dazzling staircase.

Home Insurance Price Factors [published 23 Nov 2007]
Here are some factors to consider when purchasing home insurance. All of these factors can and will have an influence on the price you pay for home insurance.
The Condition of the Home: Insurers factor in general wear and tear on your home when setting a premium. They will inspect such things as the condition of the roof, porches, decks, and the integrity of the home's wiring system.

Homeowners Insurance Tips [published 23 Nov 2007]
Increase Your Deductible: Just like auto insurance, policies have deductibles, and the same rule of thumb applies - carry the highest deductible you can afford. The higher your deductible, the more premium credit you can expect to receive from your insurance company.

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Life Insurance

Life Insurance Policies Explained [published 23 Nov 2007]
Life insurance is an essential part of financial planning. One reason most people buy life insurance is to replace income that would be lost with the death of a wage earner. The cash provided by life insurance also can help ensure that your dependents are not burdened with significant debt when you die.

Variable Universal Life Insurance [published 23 Nov 2007]
Variable universal life insurance policies provide permanent life insurance coverage and any cash value accumulates on a tax-deferred basis. The death benefit and cash value depend on the investment performance of one or more separate accounts, which may be invested in mutual funds or other investments allowed under the policy.

Universal Life Insurance [published 23 Nov 2007]
Universal life is like term life insurance with an investment attached. It is a kind of flexible policy that lets you vary your premium payments and/or adjust the face amount of your coverage.

More Life Insurance Articles