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Scenarios When Having Renters Insurance Matters

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If you rent an apartment, house, or storage unit, you may already know about the option of renters insurance. Renters insurance is something that many renters may think is unnecessary or a waste of money. However, there are some key points in your renting years when having that insurance is vital. Here are some of the scenarios where having renters insurance matters and can save money as well as time.  Read More»

Understanding Uninsured And Underinsured Motorist Coverage

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If you are an auto accident victim and another person is liable for the accident, then the liable party should compensate you for your damages. The liable party’s auto insurance company will often compensate you for your damages up to their client’s coverage limit. This arrangement has two limitations.  First, you might not get the compensation you deserve if the liable party doesn’t have insurance coverage. Secondly, you might not get full compensation if your damages exceed the liable party’s coverage limit. Read More»

Need An SR-22 Form After Your Driving Under The Influence Charges? What To Know Today

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If you were caught drinking and driving but you are going to have driving privileges to drive to and from work, you need to get the right insurance coverage. Getting insurance after an incident like this can be expensive, but you won’t have a choice if you need to have your license. You may want to call a few different auto insurance providers to compare their rates and to see if any company is offering you a lower cost than your current insurance provider. Read More»

Issues To Discuss With Your Car Insurance Agent

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Car insurance is recommended to ensure safety on the roads. While the state requires a standard auto insurance policy, you can also get an additional policy for protection against specific risks. To get the appropriate insurance policy at a reasonable rate, you must ask your insurance agent the right questions. Here are the main issues you should discuss before committing to an insurance policy. Discounts and Savings Insurance rates are determined based on policy limits, deductibles, and risk ratings. Read More»

3 Tips To Help You Secure A Lower Car Insurance Quote

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Have you been shopping around for car insurance quotes and found yourself in shock at the prices you are being quoted? If so, you should know that you do not need to simply accept these high premiums. It is often possible to obtain a significantly lower car insurance quote by using just the three tips below.  Tip #1: Set Your Deductible As High As Possible  Most people automatically set their deductible as low as possible to try and save money in the future if they should ever need to file a claim. Read More»

Benefits Of Having A Homeowners Insurance Policy

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Everyone dreams of owning a lovely home in the future. But owning a home comes with extra expenses. You’ll need a homeowners insurance policy to protect your investment. Luckily, home insurance has so many benefits that you shouldn’t feel any pain paying the monthly premiums. Besides, people who have spent a fortune to build their homes understand the importance of a homeowners insurance policy. Here is why you need this insurance policy. Read More»

Commercial Truck Insurance Tips: Things Business Owners Should Consider

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Your company’s truck fleet is an important capital investment and one that you need to protect. However, many business owners overlook the nuances of having commercial trucks that employees are allowed to take home and may use for personal purposes, too. Here are a few things that you need to consider when it comes to protecting your commercial fleet. Is Your Commercial Truck Insurance Enough? The first thing you need to ensure is that your commercial truck policy provides sufficient coverage. Read More»

Out-of-State Employees? 5 Things To Know About Workers Compensation

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Do you have workers in more than one state? Many things are more complex for employers whose workforce is spread out, and workers compensation insurance is no exception. To help you fulfill your obligations without paying unnecessary money, here are five key things to learn about before sending your next employee across state lines.  1. Minimum Hours Rules. Each state sets its own workers compensation rules, so don’t assume that the process in your state looks like the process in another. Read More»

Do You Need To Get Car Insurance From An Agent?

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The car is a basic requirement of life for many Americans, and that leads them to also need insurance policies. Many folks acquire their policies from an automobile insurance broker, but is that always necessary? Let’s look at four times you should speak with an agent about car insurance. First Time Anyone acquiring insurance for the first time should ask for a sit-down with an auto insurance broker. An agent can explain basic concepts, such as the difference between comprehensive and collision coverage in a car insurance policy. Read More»

Common Types of Car Insurance Explained

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Car insurance policies occur in different types, and each provides a specific form of coverage against risks. For instance, car insurance may cover theft, collision, or fire risks. Therefore, it is essential that you understand the different types of auto insurance and the type of coverage each offers. Here are the common types of car insurance explained. Liability Car Insurance Liability auto insurance covers damages to other people when you are at fault in a car crash. Read More»