Calvin Miles

  • Four Reasons To Have Boaters Insurance On Your Boat

    There are many people who own boats and assume that they do not need boaters insurance. Even if boaters insurance is not a requirement where you live, it is still something you should consider getting. The following guide walks you through a few reasons why boaters insurance is so important to have. Damage Done to the Boat by Others If you keep your boat at a public dock, there is always a chance that someone could cause damage to the boat when you are not around.
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  • Nearing Your Wedding Day? Insurance Options Every Couple Must Consider

    If you are almost to your wedding day and you and your spouse are talking about joining finances, you will want to talk about insurance. There are a few types of insurance that may be necessary after you get married, especially if you are traveling away for a honeymoon, so you can protect each other if anything comes up. You'll want to talk with an insurance agent before you head off on your honeymoon.
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  • Should You Add Your Teen Or Let Them Get Their Own Car Insurance Policy?

    That moment comes for all parents of teenagers when it's time to make a decision: Should you add your teen to your policy? Or should you let your teen have their own policy? This is an important and weighty decision that can have far-reaching effects. Should You Add Them to Your Policy? Adding your teen to your policy isn't like adding another adult. Teenagers are high risk, and adding a high-risk driver to your policy will cause your rates to go up, possibly by a lot.
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  • Potential Costs Of Switching Your Auto Insurance Companies

    There are several situations in which you may want to switch your auto insurance company. Examples include if you buy a second car, want to add a driver or move to a different state. All these are situations that may affect your insurance premiums, and switching may be desirable if you can find a better offer elsewhere. However, you should do this knowing that there are two potential costs. Cancellation Penalty
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  • Issues Surrounding Mileage Based Insurance

    Pay-as-you-drive, also known as mileage-based, insurance is one of the new ways of paying for car insurance coverage. In its simplest form, the insurance company charges you based on how much you drive – the more you drive, the more you pay. Since it's a relatively new concept, it's still fraught with misconceptions. Here are some of the things people say about mileage-based insurance, as well as explanations of whether they are true or not:
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  • Three Simple Changes That Can Reduce Your Home Insurance Premium

    Although you can't put a price on the importance of home insurance, you can make some simple changes to reduce the amount you pay each month. The next time your home insurance policy comes up for renewal, skip the idea of shopping around for a lower rate and, instead, talk to your insurance agent and ask how a number of different factors can lower your premium. The changes you make don't have to be major -- often, a minor change that has little consequence on how you live your day-to-day life can save a significant amount of money.
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  • 3 Common Car Insurance Myths That Need To Be Scrapped

    Car insurance can be a tricky subject as there are many factors that come into play regarding coverage options and premium rates. Due to this, there are a lot of myths surrounding car insurance that are out there. Below are three such auto insurance myths and the facts behind them. Myth #1: My Insurance Covers Theft, Vandalism, and Weather Damage Fact: The coverage items mentioned above are not standard, but they can be purchased as an optional add-on.
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  • Letting Your Teen Drive: 4 Money-Saving Tips For Auto Insurance

    It is no secret that children are expensive. Even though you are used to spending money on your child, you may be surprised by how expensive it is when your teen starts driving. The cost of a vehicle, gas, and auto insurance really add up—even if they are helping to pay for it. Fortunately, you can save some cash while still giving your child what they want: their driver's license and a car.
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  • Ready To Retire? How To Save On Age-Related Auto Insurance Premium Increases

    Car insurance rates are one of the hardest things to predict, particularly as you age. Whether you're getting closer to retirement or you've already gotten there, you're probably going to see an increase in your insurance premium rates. Most insurance companies consider older drivers to be higher risk because of the gradual decline in cognitive responses as you get older. If you're facing increased premiums, here are some suggestions to help you save money in the long run.
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  • Three Reasons Why All Young Adults Should Invest In Life Insurance

    As a young twenty-something, you may be scratching your head as to why you would need to invest in life insurance. It is already difficult enough to budget with your limited salary. Adding an additional expense to the mix would only make matters worse. Futhermore, you would likely never see anything tangible come from such an expense. Truth be told, purchasing life insurance at a young age is one of the best decisions you could possibly make.
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