Drivers who had had some incidents on their record often need to get auto insurance that is specifically for high-risk drivers. The insurance company rates drivers by the number and the type of incidents on your driving record. The type of insurance required for the driver is based on this rating. Liability and Insurance Cost When the insurance company considers a driver high-risk, the decision is often based on the liability of covering that driver with insurance and the chance of having to pay out a large settlement or award after an accident.
23 July 2019
Insuring your home is critical to prevent a financial disaster from occurring. You'll want to choose wisely when it comes to coverage for your property. There are varying levels of policies that will meet your individual needs, and you insurance agent can help you decide. However, keeping the costs down each month is likely to be foremost on your mind. File fewer claims It's possible you have a high deductible on your home, and this amount will need to be paid before any claims are filed.
23 June 2019
Regardless if you're setting up a new policy or have had one for years, you'll most likely be in touch with your auto insurance agent at some point. This is the individual you'll work with about the policy you get and many other items. It's ideal to know exactly how this professional can assist you. 1. Assist with policy selection Working with a trained provider about the type of coverage you need is ideal.
15 May 2019
There are two types of auto insurance coverage you might not realize even exist, yet these two coverage types are very important if you want to have all the protection you need when driving your vehicle. These two types often come together in a policy and are called uninsured motorist coverage and underinsured motorist coverage. While they are not required types of coverages in most states, they are important to have.
26 March 2019
Getting your driver's license for the first time is one of the most memorable experiences in life. Just knowing that you finally have the freedom to go where you want to go without having to consult with a friend for a ride or hash out public transportation schedules is freeing within itself. However, getting behind the wheel is not without a slew of risks and one of these involves being told that you must file an SR-22.
29 January 2019
When you make the last payment on your mortgage, you will finally own your house outright. On this day, your house becomes completely yours, and this opens up the freedom to do things you could not do before. One type of freedom you will have is getting rid of your home insurance policy, as you will no longer have someone telling you that it is required. While you can legally do this, there are some risks of not having home insurance, even if your house is paid off, and here are three of the top risks.
5 December 2018
Did your teenager have his or her license suspended shortly after getting the license to drive in the first place? You may have wanted your teen to have a license so that he or she could drive to and from school and work, but never expected that something bad would happen. Unfortunately, a driver's license can be suspended for several different reasons, such as continuously getting pulled over and receiving tickets for the same infractions all the time.
25 October 2018
As a landlord, one of the most challenging aspects of renting out your place is finding tenants who will pay you and also treat the home with respect. If you do not want to end up with a lawsuit and extensive bills related to property damage, you should require that any tenants who move into your apartment carry a renter's insurance policy. Here's why. 1. Renter's insurance covers tenants' items.
12 September 2018
The potential losses you may face with a high-mileage car are a bit different from those you would face with a relatively new car. That is why the auto insurance coverage for the high-mileage car should also be different from that of a low-mileage car. Here are some tips to use when buying coverage for a high-mileage car: Buy Rental Car Coverage Most insurance companies will give you rental car coverage at a reasonable rate, and you should strongly consider it if your car is old and rickety.
19 July 2018
One of the decisions you will have to make when purchasing car insurance is how much you would like the deductible to be. If you are not familiar with insurance products and deductibles, you will need to understand what this means before you make a decision. Once you understand what this means, you will find that having a higher deductible will result in paying a lower premium on your car insurance.
29 May 2018