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...

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Auto Insurance

How to Find Car Insurance Discounts [published 23 Nov 2007]
Saving money wherever you can is important to us all. Car Insurance should be no different. Do not assume that your insurance agent knows everything about you and your car.

Factors Affecting Car Insurance Premium and How to Lower it [published 23 Nov 2007]
There are many factors that affect your auto insurance premium. Each is a statistically based risk for a specific population. The higher the risk associated with a person, the more he or she is likely to pay for coverage. Below are elaborated some of the risk factors.

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 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.

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.

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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.

Term Life Insurance [published 23 Nov 2007]
Term life insurance provides coverage for a specified period of time - the term of the policy (typically ranging from five to thirty years). After this time, it is possible to renew your policy with the premium adjusted for your health and age at the time you renew.

Endowment Life Insurance [published 23 Nov 2007]
Endowment policies are payable at the death of the insured or on a specified maturity date if the insured is alive. Premiums generally are payable from the date of issue until the date of maturity but may be limited to fewer years or even to a single lump-sum payment.

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