Buying An Auto Insurance Policy: Common Myths About Using A Broker

When purchasing an auto insurance policy, you will have the choice of purchasing this policy directly through the insurance company or with the help of an insurance broker. If you are like many people, you may choose to forego the help of a broker because you believe that these services will prove to be costly and may result in you being sold more insurance than you actually need. However, you may be surprised to learn that many of the so-called facts that people think they know about working with an insurance broker are actually nothing more than widespread myths.

Not Getting the Most From Your Commercial Truck Insurance? How to Save Money and Avoid Problems With Your Coverage

If you're a commercial truck driver, you can't afford to take chances with your insurance. This is especially true where coverage and cost are concerned. If you're not sure how to get the most out of your commercial truck insurance, read the information provided below. These tips will help you reduce your costs while increasing your protection.  Go Beyond the Bare Minimum If the high cost of fuel is cutting into your budget, you want to find ways to save money on your operating costs.

Tips To Remember When Pursuing Auto Insurance

Auto insurance is nice to have because of the protection it affords you when claims are processed because of damage. If you're smart and use these tips during your search, then your auto insurance policy will truly be useful to have over the years. Make Sure Provider is Legitimate  Insurance providers that are legitimate will have credentials showing they're licensed and insured in their state. You only want to consider working with one of these credible providers.

Paying Off Your Home Is A Great Time To Update Your Home Insurance

One of the requirements you must follow when purchasing a home with a loan is buying a home insurance policy. You must keep homeowner's insurance on the house as long as you owe money to your mortgage lender. When you pay off your home loan, this requirement ends. While you should not cancel your home insurance at this time, it might be a good time to update your policy. Here are several changes you might want to make after paying off your loan.

3 Reasons Every Modern Home Should Be Insured

If you are a homeowner, you need insurance. Some homeowners think of insurance as something that is optional, and if you already have the deed to your home, it may be. However, it is important to understand why home insurance should be viewed as a matter of necessity rather than an option. For most individuals, a home represents one of their major lifetime investments especially if they never have intentions of selling their first home or getting a second home.

Ensuring a Multi-State Company Meets Workers Compensation Insurance Laws

Workers' compensation laws differ from state to state. Some have very strict rules while others have lax rules or even no rules about providing workers' compensation insurance for employees. If your company is opening branches in other states, these laws could prove to be tricky to work with if you're not careful. You can't assume that your state's requirements (or lack thereof) for workers' compensation insurance will apply to all your branches.

Why 'self Insuring' Is Dangerous And How To Find A Better Way

Are you considering the idea of 'self-insuring'? Self-insurance is attractive to many people as a money-saving option, but it can be a dangerous move as well. To protect yourself and your finances, here are a few tips for anyone thinking about self-insurance.  What Are the Dangers of Self Insuring  Self-insuring is simply the choice to avoid purchasing a personal insurance coverage policy and instead relying on one's own income and assets to cover potential bills.

Common Instances That Signal The Need For A Commercial Insurance Review

 If you have been operating your business for a long time, and everything is going well, it is easy to assume that it is okay to keep everything the same. However, this type of mindset when it comes to insurance can be a problem. In the same manner that you like to spruce things up and change the services or goods you offer your customers now and then, it is a good idea to take the same approach to your insurance needs.

Why You Might Want to Buy Insurance From an Independent Agency

Carrying insurance on one thing or another is just a part of life. You might not like the idea of shelling out money every month for something you won't technically use unless something goes wrong, but the moment things do go sideways, you'll be grateful that you have enough coverage to help you recover from the situation. There are many different ways to obtain insurance these days, and plenty of different insurance companies out there to compete for your business.

Risk Levels For Auto Insurance And Determining Which One You Are

The primary factor that affects the auto insurance rates you pay is your risk level. When insurance companies provide quotes for you, they determine what risk level you are and place you in a category. Most companies use three categories of risk levels. Here is an explanation of what the risk levels are and how you can determine which one you are. The Low-Risk Category If you have a clean driving record and no claims on file with any insurance policy you've had in the past, you might fall into the preferred risk category.