2015

  • 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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  • 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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