Calvin Miles

  • Limit Damage from Uninsured Motorists

    When you drive on the nation's roads, you are always taking a risk, despite the improvement in automobile safety features. One hidden hazard that you face is the uninsured or underinsured motorist. You need to take steps to protect yourself against the estimated 14% of drivers who do not carry the proper coverage.  Insurance Uninsured motorist options vary by state, so you will need to consult with your insurance agent to find out what coverage you need to best protect yourself against the drivers who are violating insurance laws.
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  • 3 Tips To Ensure That You Get The Best Rate On Your Homeowners Insurance

    Homeowners insurance provides invaluable protection in the case that your home or the belongings inside are damaged or destroyed. But since filing a homeowners insurance claim is not something that happens often for most people, it is natural to want to keep the insurance premiums as low as possible. Get the best deal on homeowners insurance by using the following tips: Make Sure You Purchase the Right Amount of Insurance
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  • Three Often Overlooked (But Important) Aspects Of An Auto Insurance Policy

    Too often, consumers buy an auto insurance policy in a routine matter. The result is that a driver will be either underinsured or not have coverage at all in specific circumstances. The following are only three of the most important elements of a car insurance policy to keep in mind while you shop for coverage. Insufficient coverage for liability Liability and property damage are covered for maximum amounts. These represent the limits of the payouts from the insurance company for claims against you after an accident.
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  • Things Your Homeowner's Policy May Not Cover, And What You Can Do About It

    If you own a home, homeowner's insurance is a must if you want to protect your investment – and more. This insurance does more than protect your home. It also provides protection for your belongings and provides some liability coverage against injuries that occur on your property. It's important that you understand what your home policy doesn't cover, though, so you can get additional coverage as needed. Certain Natural Disasters
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  • 3 Simple Ways To Save Money On Your Home Insurance

    In most situations, you may be required to carry home insurance. This is especially true if you have a mortgage. However, whether or not you are required to have insurance on your home, you should still have insurance to protect yourself and your investments in your home. Yet, just because you should carry home insurance, doesn't mean that you need to overpay on the premiums. Here are a couple simple things that you can do to lower your home insurance payments.
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  • Three Ways Your Driving Habits Can Translate Into Lower Auto Insurance

    People often go to time-consuming lengths to reduce the amount that they pay for their auto insurance. These methods, while effective, aren't necessarily ideal if you're short on spare time. After all, you probably don't want to spend your few minutes of downtime each week comparing insurance quotes online. There are a variety of strategies that relate to your driving habits and that don't require a significant time investment. These ideas can either make you eligible for a rate drop immediately or keep your rate low each time it's renewed annually.
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  • SR-22 Basics For Uninsured And Underinsured Drivers

    What Is an SR-22? SR-22 is not an insurance policy; the SR-22 form is a certificate that provides proof of automobile insurance. An SR-22 form typically applies to drivers who have been identified by the Bureau of Motor Vehicles to be high-risk drivers. Examples include drivers who were involved in an auto accident while uninsured or underinsured. Drivers who committed a crime while driving, such as Driving While Intoxicated, are also required to provide an SR-22.
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  • Three Steps To Tell If You Should Keep Your Life Insurance After Retiring

    Retiring is a big step and one you're probably looking forward to a lot. It takes a lot of planning to get to that stage, though. You have to tie up all your business affairs elegantly, and one of the decisions you'll have to make is whether you'll keep your life insurance once you've stopped earning your monthly income. Depending on what type it is and your personal situation, you may decide to keep it, change the policy, or give it up altogether.
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  • The Mutual Benefits Of Providing Group-Term Life Insurance To Employees

    Companies with employees find that employee job satisfaction is usually enhanced by the availability of fringe benefits. In addition to being a deductible expense to the business, certain types of fringe benefits are not taxable to employees. Employers may reduce taxes for themselves and for their employees by providing group-term life insurance benefits. A fringe benefit is essentially a form of employee pay. However, group-term life insurance is usually not considered to be wages and is not subject to tax withholding.
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  • Top Tips For Saving As Much Money As You Can On Your Home Owners Insurance

    It is simply too much of a risk to go without home owners insurance. However, you might not like paying an arm and a leg for your policy. To help you save as much money as possible, you will want to check out the following money saving tips. Combine A Few Policies If your home owners insurance company also sells auto insurance, you might want to inquire about getting your auto insurance through them as well.
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