If you are like many people, you struggle with the cost of auto insurance. But, the problem is you have to have it, there’s no getting around it. So what you need to do is be diligent on searching for a cost that you can afford, as well as obtaining the necessary coverage that you need. And if you have a teenage driver in your home, the cost of insurance will be significantly higher.…
Read More »While your age plays a big part in how much money you pay for car insurance, you unfortunately do not have any control over it. If you are looking for a way to lower the cost you pay for car insurance, consider doing it in one of these 5 ways. Change The Car That You Drive An insurance company assesses each vehicle differently when coming up with your insurance premium. They use data such as how frequently a car is stolen, the cost of new parts, and crash test ratings.…
Read More »When your home is obliterated by fire, extreme weather, or other unfortunate event, it’s natural that your thoughts will turn towards recouping your losses. Although your homeowner’s insurance will typically cover the damage, you may be in for an unpleasant surprise when you get the insurance check. Here’s what you need to know about two methods insurance companies use to calculate your settlement. Replacement Cost vs. Cash Value Property insurance providers use a number of different processes to calculate how much they are going to pay on your claim.…
Read More »Understanding all of the coverages listed on the declarations page of any type of insurance can be difficult to accomplish, especially if it’s tens of pages long. Who has time to read through it all? A good insurance agent will make sure you’re aware of everything you’re covered for and important exclusions stated on your policy, but even an agent doesn’t have enough time to go down the list and discuss everything.…
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