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Money Saving Auto Insurance Tips – Part Two

Article by Barclay Win









There are many ways to save money with your auto insurance and it is worth exploring every option out there. Auto insurance is a good place to look for savings because almost every state requires car owners to carry at least a minimum level of auto insurance for each vehicle they own. Auto insurance is required by law so you should take the time to compare auto insurance rates and find the best possible policy for your car insurance needs.

The single best way to save money with auto insurance is to shop around. Compare auto insurance quotes – this advice might sound simple, but it is the simplest way to find the best possible auto insurance rate. Get at least three auto insurance quotes to compare and make certain you are comparing similar policies.

Here are five additional tips for saving money with your auto insurance.

1. Having a good driving record can save you considerable amounts of money with your auto insurance. Almost all auto insurance providers offer safe driver discounts, and often the longer your driving record remains clean the higher discount offered on your car insurance. In addition you can take defensive driving – as long as it’s not because of a ticket – and receive additional safe driving auto insurance discounts.

2. Did you know your credit rating can affect your auto insurance rate? It can be depending on the rules in your state, so work toward maintaining a clean credit rating. Also check with your auto insurance provider to find out just how much your credit score factors into your car insurance rate.

3. Bundling your auto insurance with your home insurance or other types of insurance will almost always provide a discount on your entire insurance package. Even if you find auto insurance from a different provider than your home insurance that is less expensive than a bundled package, make sure you look into the extra benefits you may be offered when buying auto insurance and home insurance from the same insurance provider. Very often you will be offered more than a simple discount when buying all your insurance from one provider.

4. What is your occupation? Did you know if you are employed in certain occupations, such as engineers, educators or scientists, you may be eligible for an auto insurance discount. Check with your car insurance provider to find out if you quality for an occupational discount.

5. If you don’t drive very much, shop around for an insurance provider that offers low-mileage discount programs.



About the Author

Compare Insurance Quotes/Plans Online – FREE Multiple Competing Insurance Quotes For Car/Auto Insurance, Home Insurance Plans, Compare Life Insurance, Health Insurance And Renters Insurance Quotes. Provides Insurance Quotes Comparison Facilities for Car Insurance, Auto Insurance, Home Insurance, Life Insurance, Health Insurance and Renters Insurance at – www.wecompareinsurance.com










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The Changing Nature of Property Insurance – Part II

Companies have asked the questions:

“Do we need insurance?

Why should we pay out a fluctuating premium each year dependent not on our own needs but the somewhat irrational dictates of the insurance market?”

Of course, money can be made by clever purchases in a soft market, but large
corporations really require predictable cashflow.

Therefore, insurers and brokers in this market have needed to rethink the service they provide. “What ‘added value’ can we give over and above handing out cash for cash?” One of the answers has been risk management. A commercial partnership in which the insurer actively inspects the property, advises on risk protection and assists in working with the assured’s risk retention scheme makes good sense and, in return, the insurer has a clear understanding of the risk it is insuring. More importantly, the insurer becomes close to the assured, cementing a feeling of mutual reliance.

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If this is a development which becomes commonplace, it will change, to a degree, the nature of insurance for these privileged assureds. The essence of insurance is the obligation of utmost good faith. However, the concept is based on the assumption that the assured knows everything and the insurer knows nothing! Perhaps in practice (if not in law) that underlying assumption is changing. ARPI, however, is still placed on many occasions at a distance without this interdependence and so, it has been assumed that the insurer knows little about the assured. In 10 years’ time the principle of utmost good faith may be less important in this type of cover. Certainly major corporations are looking beyond the security of their property insurers and expecting more for their premiums. It expects it to have capacity to accept a large net line to avoid excess transactional costs. Further, as suggested above, it may expect it to provide risk assessment expertise so as to allow the corporation to reduce risk and therefore cut cost, whether by reducing the retained risk or premium payments. This expertise may come in the form of engineering advice, claims handling or even corporate finance.

The key for the insurance and reinsurance industry is to provide “something” which the major corporation cannot provide (or may not wish to provide) itself. Risk transfer or risk sharing is no longer enough in itself.

Willis J. Watson is a freelance writer since 2006, living in United States and he writes about he enjoys the most…insurance policies. If you want to read more information about Event Liability Insurance and also read more reviews about Commercial Insurance Brokers, you can check out his websites.

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Money Saving Home Insurance Tips – Part Two

Article by Barclay Win







There are many ways to save money with your home insurance and it is worth exploring every option out there. Home insurance is a good place to look for savings because you’re most likely required by your mortgage lender to carry homeowners insurance on your house and home insurance costs can vary widely.

The single best way to save money with home insurance is to shop around. Take the time to compare home insurance quotes because rates between each company offering home insurance can differ by hundreds of dollars. Take the time to get at least three quotes, and because home insurance comes in many flavors make certain you comparing apples-to-apples with the different policies.

Here are five additional tips for saving money with your home insurance.

1. Did you know most insurance providers offer home insurance discounts for policy holders who are 55 or older and retired? This discount can save you significant money on your home insurance, possibly up to 25 percent. If you fit the bill be sure to get in contact with your home insurance provider to see if you qualify. Senior home insurance discounts differ depending on your state, your home insurance provider, your age and the type of the insured home. 2. Did you know your credit rating can affect your home insurance rate? It can be depending on the rules in your state, so work toward maintaining a clean credit rating. Also check with your home insurance provider to find out just how much your credit score factors into your home insurance rate. 3. Bundling your home insurance with your auto insurance or other types of insurance will almost always provide a discount on your entire insurance package. Even if you find home insurance from a different provider than your auto insurance that is less expensive than a bundled package, make sure you look into the extra benefits you may be offered when buying home insurance and auto insurance from the same insurance provider. Very often you will be offered more than a simple discount when buying all your insurance from one provider. 4. Getting a home security system can provide home insurance savings. The amount of savings will differ among different home insurance providers, but often you can save up to 15 percent on your home insurance by installing a home security system. Other safety devices that can offer home insurance savings include smoke detectors, fire alarms, dead bolts and fire extinguishers. 5. Does your roof need replacing? Even if doesn’t it might be worth it to replace your roof for home insurance savings. Depending on your state and your insurance provider, installing a higher-quality roof can reduce your home insurance.



About the Author

Compare Insurance Quotes/Plans Online – FREE Multiple Competing Insurance Quotes For Car/Auto Insurance, Home Insurance Plans, Compare Life Insurance, Health Insurance And Renters Insurance Quotes. Provides Insurance Quotes Comparison Facilities for Car Insurance, Auto Insurance, Home Insurance, Life Insurance, Health Insurance and Renters Insurance at – www.wecompareinsurance.com

Expand the description and view the text of the steps for this how-to video. Check out Howcast for other do-it-yourself videos from bracey and more videos in the Home Insurance category. You can contribute too! Create your own DIY guide at www.howcast.com or produce your own Howcast spots with the Howcast Filmmakers Program at www.howcast.com You can’t be approved for a mortgage without homeowners insurance, which will cover you if a tree falls on your home, a guest trips on your stairs, an intruder makes off with your valuables, and much more. To complete this How-To you will need: An estimate of the replacement cost of your home and its contents A visual inventory of your valuables Insurance rate quotes Insurer strength ratings A high deductible An annual policy review A professional appraiser A floater policy Add-ons for flood and earthquake coverage Extended replacement coverage Step 1: A standard policy covers property damage caused by certain disasters; personal belongings, up to a limit; personal liability, which protects family members from lawsuits related to injury or property damage they may cause others; and medical coverage, which pays the expenses of non-family members injured on your property. Step 2: Calculate how much insurance you need to carry. Homeowners insurance reimburses you for the cost per square foot of rebuilding your homeā€”not the market value of the house. Step 3: Figure out how much it would take to replace the contents of your home, which
Video Rating: 4 / 5

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