These articles are for general insurance information and education purposes. Insurance needs for individuals and families vary greatly depending on your personal situation. Please contact Maria Bleecher at 702-477-7776 to discuss your individual insurance needs.
Tips for Getting the Best Insurance Quotes
1. Have your current insurance policy with you when requesting your insurance quotes.
2. Consider a higher insurance deductible.
3. Place all of your insurance policies with the same company to qualify for a multiple policy discount.
Insurance for Your Home-Based Business
When you start a home-based business, buying insurance may not be your first priority, but you cannot afford to ignore it either. When the unexpected happens -- and it will -- having insurance coverage may mean the difference between the success and failure of your home-based business.
Tips for Buying Cheaper Car Insurance
With the rising costs of car insurance for most American families, there are more and more people searching for cheaper car insurance. Although it is certainly possible to get cheap car insurance quotes, let the buyer beware. The old adage "you get what you pay for" is as true in buying car insurance as it is in the retail world.
Determining how much Auto Insurance Coverage you Need
Auto Insurance Bodily Injury (BI) Liability and Property Damage (PD) coverage is Legally required in most states today. (BI & PD) Most people understand that they need BI & PD, but they have no idea how to determine how much coverage they need.
Changing Auto Insurance Companies
There are many reasons why you may choose to change your auto insurance coverage to another company. Perhaps you’ve found another company that offers you the same amount of coverage for considerably less money. You might have changed jobs and are eligible for a group discount through another insurer, or maybe you’re unhappy with the service that your present company provides. With the growth of the internet and quote comparison sites, investigating your options has never been easier!
Auto Insurance Tips for Senior Drivers
Like all drivers, senior citizens (or as I like to call them “seasoned citizens”) want to get the best rates on their auto insurance policies.
How Does Credit History Affect Car Insurance Rates?
Many personal car insurance companies consider your credit information when determining how much premium to charge for your insurance. So if you are calling around for new car insurance, keep in mind that many insurers are looking at your credit history to determine your car insurance rates. I hope that we will be able to let you know why and how they do this.
How to Find Car Insurance Discounts
Saving money wherever you can is important to us all. Car Insurance should be no different. Do not assume that your insurance agent knows everything about you and your car. At HometownQuotes we go out of our way to find all the possible car insurance discounts that are available to each customer.
Auto Insurance Buying Tips
Insuring two or more vehicles with the same insurance company can save you between 10 - 15% on your premiums. Covering your home through the same company that you have auto insurance with can reduce your premiums by another 10-15%.
Factors That Affect Your Car Insurance Premium and How to Lower It
There are many factors that affect your car insurance premium. Each is a statistically based risk for a specific population. The higher the risk associated with a person, the more he or she is likely to pay for coverage. We have elaborated on some of the risk factors below, but there are numerous others, including driver's gender, miles driven per year, purpose for using the vehicle (commuting to work, using for work, leisure only), etc.
Which Car Should You Own To Keep Insurance Rates Affordable?
Do you consider the cost of car insurance before you buy your dream car? You should. The Highway Loss Data Institute analyzes the cost to insurance companies from theft, collision, and injury claims as they relate to cars. They look at the color of the cars, how many doors they have, and even break them down type.
What to do after an auto accident
Driving on America ’s highways can be a risky proposition. Whenever you’re in a vehicle, there’s a chance you’ll be involved in a traffic accident.
General Information about Auto Insurance Protection
Driving is a privilege, but it comes with a price tag. There's the cost of the vehicle itself, maintenance, repairs, fuel and auto insurance. Many states require you to carry a basic, minimum level of auto insurance. It's a way of sharing the risks of driving.
How to File a Car Insurance Claim
Having even a teeny-tiny car accident can be one of life's least enjoyable moments. However, accidents happen, and sooner or later we all have the experience of meeting one of our fellow road travelers up close and personal and having to file a car insurance claim.
Homeowners Insurance: Lessons from Katrina and other gulf storms
Homeowners Insurance is supposed to protect us in case of disasters. That is what we have come to expect from our homeowners insurance over the years. But what if the disaster is the costliest in U.S. History? What if your insurance agent’s home and office were destroyed in the disaster also?
8 ways to keep your Home Insurance Costs low
1. Increased Home Security - Most homes are fitted with some sort of security device. To make the most of your Home Security Discount make sure that you home is fitted with: dead bolt locks, smoke detectors, fire extinguishers and a burglar and fire alarm that are monitored. You do not have to have all of these to receive a discount on your home insurance so even if you only have one or two make sure that you ask for the savings.
Home Insurance Price Factors
Here are some factors to consider when purchasing home insurance. All of these factors can and will have an influence on the price you pay for home insurance.
Home Insurance Tips
Getting quality insurance is a good first step towards protecting your home. But ultimately, the best protection is prevention. There are steps that you can take to help you avoid ever having to make a home insurance claim - the following home insurance tips can get you started.
The Top Ten Things you need to know about Homeowners Insurance
Why should you wait until after a disaster to discover your homeowners insurance doesn't really have you covered? Here are ten important things to do so you can have peace of mind -- and full protection -- right now:
What is Home Owners Insurance?
Home owners insurance policies are designed to protect your house and personal property against losses from the perils listed in your policy.
Homeowners Insurance Tips
Just like auto insurance, policies have deductibles, and the same rule of thumb applies--carry the highest deductible you can afford.
Tips for Buying a New Home
Buying a new home can be a daunting task, even for someone who has owned several homes. If you recently purchased your first home, you probably found that is hard to find good advice that is truly useful.
Shop Around and Save on Home Insurance
What do you like the most about your home - the bright, sun-filled kitchen, the shiny wood floors or the comfortable bedrooms?
Questions and Answers about Renters Insurance
“In any given year, burglary losses in the United States run in the billions of dollars. The average residential loss often exceeds $1,000.00” (Insurance Industry News)
Life Insurance Policies Explained
Life insurance is an essential part of financial planning. One reason most people buy life insurance is to replace income that would be lost with the death of a wage earner. The cash provided by life insurance also can help ensure that your dependents are not burdened with significant debt when you die.
Life Insurance Buyer's guide
When you buy life insurance, you want coverage that fits your needs and doesn't cost too much. First, decide how much you need - and for how long - and what you can afford to pay.