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»
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»
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»
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»
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»
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.
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»
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»
If your business has suffered water damage, and you need to file a commercial insurance claim, you also need to hire a public insurance adjuster. If you’re like most business owners, you think that you can handle the insurance claim on your own, but that’s not necessarily the case. This is especially true where commercial claims are concerned. Commercial insurance claims can be difficult to process, especially water damage claims. Read More»
Failing to acquire adequate workers comp insurance coverage can create big problems for employers. That’s why employers need to be well informed about the importance of workers comp insurance.
The following are seven things employers should never assume when it comes to workers comp insurance.
Workers compensation insurance isn’t necessary in some industries.
You might think that your industry doesn’t involve enough on-the-job risks to warrant workers compensation insurance.
However, workplace injuries can happen in any industry. Read More»
As a vehicle owner, you need to carry auto insurance. It is just a necessary expense that you have to shoulder if you want to own and drive a vehicle. As this is a necessary expense, it is important to understand that it is an expense that you have some control over. You should be aware of some basic ways you can save money on your auto insurance.
Always Check Your Coverage Read More»