Introduction
The following simple steps will help you determine how much car insurance you need to carry. And it will also help you get the best coverage at the lowest price.
Step 1: Starting Out
When it comes to auto insurance, you want to be adequately covered if you get in an accident but you don't want to pay any more than you have to. So how can you navigate your way through this murky subject?
Keep telling yourself there is money to be saved. How much? Hundreds, even thousands, per year. For example, one of our editors typed all of his insurance information into a comparative insurance service. The quotes (for very basic coverage on two old cars) ranged from $1,006 to $1,807 — a difference of $801 a year. If you're currently dumping thousands into your insurance company's coffers because of a couple of tickets, an accident or a questionable credit rating, shopping your policy against others may be well worth the effort.
Look at it this way — you can convert the money you save into the purchase of something you've desired for a long time. Hold that goal in your mind.
Step 2: How Much Coverage Do You Need?
To find the right auto insurance, start by figuring out the amount of coverage you need. This varies from state to state. So take a moment to find out what coverage is required where you live. Make a list of the different types of coverage and then return for the next step.
Now that you know what is required, you can decide what you need in addition. Some people are quite cautious. They base their lives on worst-case scenarios. Insurance companies love these people. That's because insurance companies know what your chances are of being in an accident, and how likely it is for your car to be damaged or stolen. The information the insurance company has collected over previous decades is crunched into "actuarial tables" that give insurance adjustors a quick look at the probability of just about any occurrence.
Step 3: Review Your Driving Record and Current Insurance Policy
Before you begin shopping for insurance you should check the following: the status of your driving record, your current coverage and the premiums you are paying.
You should know how many tickets you have had recently. But time plays tricks and our memories repress painful incidents. If you can't remember how long that speeding ticket has been on your record, check with your state's DMV. If your record will soon improve, and the points you earned will finally disappear, wait until that happens before you get quotes. Nothing drives up the price of insurance like a bad driving record.
Step 4: Solicit Competitive Quotes
Now that you have made several practical and philosophical decisions, it's time to start shopping. Begin by setting aside about an hour for this task. Bring all your records — your current insurance policy, your driver license number and your vehicle registration. Drink plenty of coffee. Have a phone at your elbow. And, of course, power up your computer.
Begin with the online services. If you go to InsWeb.com or other online insurance quote sites, you can type in your information and get a list of comparative quotes. These forms take about 15 minutes to complete. If this bores you, just remind yourself how much you will be saving and that you can use the money to buy something nice for yourself..
Step 5: Record and Compare Quotes
While you're researching companies, make notes in a separate computer file or on a piece of paper divided into categories. This will keep you from duplicating your efforts
Step 6: Work the Phones
Once you have exhausted your online options, it's time to work the phones. Those companies you haven't been able to get an online quote from should be contacted. At times, doing this process verbally can actually go faster than the online counterpart, providing you have all the information regarding your driver license and vehicle registration close at hand. When you get a quote, be sure to confirm the price. Also, ask them to fax or e-mail the quote to you as a record.
Step 7: Look for Discounts
While talking to the insurance companies' telephone salespeople, make sure you explore all options relating to discounts. Insurance companies give discounts for a good driving record, favorable credit score, safety equipment (for example, antilock brakes), certain occupations or professional affiliations and more.
Step 8: Choosing the Right Insurance Company
You now have most of the information in front of you that you need to make a decision. However, there is something more to consider. You can clearly see which company is least expensive, but when you need them to cover a claim, what kind of job will they do? To put it another way, which is the most reliable insurance company?
Step 9: Review the Policy Before You Sign
So, you've done your research, and you've decided on a company. Before you sign, though, read the policy. In addition to verifying that it contains the coverage you want, there are two clauses that you should look for in the contract:
Retain your right to sue. "Find out if you are giving up your right to go to court and will be forced into arbitration if there is a disagreement [between you and the insurance company]," one expert advised. "You're much better off if you don't give up this right…. It makes it easier for [insurers] to take advantage of you." If you find a clause to this effect, all isn't necessarily lost. "At least in theory, a contract is a mutual agreement, so you should be able to cross out that line in the policy," he said. If the company won't agree to the policy sans clause, then you should probably take your business elsewhere.
Avoid aftermarket parts requirements. If an insurance company has written in the policy that "new factory," "like kind and quality" or "aftermarket parts" may be used for body shop repairs, go to another company, one expert advised. If you own a relatively new car that you plan to keep for a while, you will probably be much happier if you spend a little more time researching companies on the front end rather than try to fight the company when you have a claim.
Step 10: Cancel Your Old Policy
After you lock in the insurance policy you want with the company you select, you have two more things to do. The first is to cancel coverage with your existing insurance company. Second, if your state requires you to carry proof of insurance, make sure you either have it in your wallet or the glove compartment of your car (some experts discourage this, however — if your car is stolen, the thief has everything he needs to prove the vehicle is his).
Now, there's one last thing to do: reward yourself for saving so much money on car insurance.
By: Lara Newcomb
Monday, 9 June 2008
Affordable Auto Insurance: What's Everyone Else Paying?
All drivers want affordable auto insurance, but the average price drivers pay for insurance yearly varies greatly from state to state because of factors such as the stability of the economy and the state's population size. Check out the following information to find out how much insured drivers in your state are paying compared to other states.
According to Insurance Information Institute (www.iii.org), the National Association of Insurance Commissioners (NAIC) calculates average auto insurance expenditures per state by assuming that all insured vehicles have liability insurance, but not necessarily comprehensive or collision coverage. The average auto insurance expenditure, therefore, measures the price consumers actually pay for insurance on each vehicle rather than equaling the sum of liability, collision, and comprehensive coverage together. This is because most policyholders do not usually carry all three types of coverage. NAIC data also shows that 77 percent of insured drivers buy comprehensive coverage in addition to liability insurance. And only 72 percent purchase collision coverage.
In a September 2007 NAIC report, New Jersey held the record for the highest average auto insurance expenditure per year at $1,184. Following closely behind were the District of Columbia at $1,182, New York at $1,122, Massachusetts at $1,113 and Louisiana at $1,076. North Dakota is the least expensive state for auto insurance at $554 per year, and Iowa followed closely behind at only $555.
The price insured drivers pay is affected by the type of coverage purchased, as well as other factors. People who live in states where the economy is healthy are much more likely to buy new cars than people who live in an unhealthy economy. Since the coverage drivers select for new cars differs and can be more costly than coverage for an older car, these states often have relatively higher average auto insurance expenditures per year. Urban population, traffic density, and per capita income also significantly impact the price of auto coverage. Highly urban states with high traffic density and higher wages and prices will usually possess the highest auto insurance expenditures per year.
In an NAIC chart comparing average annual auto insurance expenditures by state (http://www.iii.org/media/facts/statsbyissue/auto), Texas drivers in 2005 paid an average of $845. So, the average cost of Texas auto insurance ranked at number 17. Arizona auto insurance cost about $926 per year in 2005, down from $931 in 2004, keeping Arizona ranked number 14 both years among the rest of the states. In California, insured drivers paid an average of $847 in 2004 and $845 in 2005. This ranks California auto insurance as the 18th most expensive coverage in the United States in 2005. In Florida, ranked sixth in 2004 and 2005, insured drivers paid an average of $1,062 in 2004 and $1,063 in 2005. North Carolina is one of the least expensive states for auto insurance coverage, ranking at number 47 in 2004, with an average cost of $597. However, in 2005, the average auto insurance cost increased to $602.
Finding affordable auto insurance is so important to most drivers, but depending where you live, prices will vary. How do auto insurance rates in your state compare with the rest?
By: Ryan Patterson
According to Insurance Information Institute (www.iii.org), the National Association of Insurance Commissioners (NAIC) calculates average auto insurance expenditures per state by assuming that all insured vehicles have liability insurance, but not necessarily comprehensive or collision coverage. The average auto insurance expenditure, therefore, measures the price consumers actually pay for insurance on each vehicle rather than equaling the sum of liability, collision, and comprehensive coverage together. This is because most policyholders do not usually carry all three types of coverage. NAIC data also shows that 77 percent of insured drivers buy comprehensive coverage in addition to liability insurance. And only 72 percent purchase collision coverage.
In a September 2007 NAIC report, New Jersey held the record for the highest average auto insurance expenditure per year at $1,184. Following closely behind were the District of Columbia at $1,182, New York at $1,122, Massachusetts at $1,113 and Louisiana at $1,076. North Dakota is the least expensive state for auto insurance at $554 per year, and Iowa followed closely behind at only $555.
The price insured drivers pay is affected by the type of coverage purchased, as well as other factors. People who live in states where the economy is healthy are much more likely to buy new cars than people who live in an unhealthy economy. Since the coverage drivers select for new cars differs and can be more costly than coverage for an older car, these states often have relatively higher average auto insurance expenditures per year. Urban population, traffic density, and per capita income also significantly impact the price of auto coverage. Highly urban states with high traffic density and higher wages and prices will usually possess the highest auto insurance expenditures per year.
In an NAIC chart comparing average annual auto insurance expenditures by state (http://www.iii.org/media/facts/statsbyissue/auto), Texas drivers in 2005 paid an average of $845. So, the average cost of Texas auto insurance ranked at number 17. Arizona auto insurance cost about $926 per year in 2005, down from $931 in 2004, keeping Arizona ranked number 14 both years among the rest of the states. In California, insured drivers paid an average of $847 in 2004 and $845 in 2005. This ranks California auto insurance as the 18th most expensive coverage in the United States in 2005. In Florida, ranked sixth in 2004 and 2005, insured drivers paid an average of $1,062 in 2004 and $1,063 in 2005. North Carolina is one of the least expensive states for auto insurance coverage, ranking at number 47 in 2004, with an average cost of $597. However, in 2005, the average auto insurance cost increased to $602.
Finding affordable auto insurance is so important to most drivers, but depending where you live, prices will vary. How do auto insurance rates in your state compare with the rest?
By: Ryan Patterson
Car insurance policy
One of the most important things that you need to keep in mind while buying a valuable commodity is to insure it. There are insurance companies offering policies which cover all aspects of our daily existence, from our health to wealth. It is therefore no different with vehicles or your personal car. Auto or car insurance is an extremely beneficial investment. You don’t want to lose control one day in the high speed lanes, injure yourself and your car and dump it helplessly. A car insurance policy is extremely vital and valid in order to prevent such mishaps.
A car insurance policy in the US in fact also acts as insurance for he driver of the car. A car insurance policy there covers many aspects. First of all the physical damage suffered by your car is covered. This means that in case of collision the property loss to your car is covered. Secondly, there is the comprehensive coverage which insures your car in the event of damage caused by non-collision factors, such as fire, theft, vandalism, etc. The car insurance policy also covers the liabilities, which may either be bodily injury or property damage.
The insurance covering for the bodily injury relates to the incident of death of the driver, which may either be you or anyone else recognized by the car insurance policy. In case of property damage it relates to the damage caused to someone else’s vehicle or property by your car. The extent of the liability is fixed at the time of insurance however. Besides these a car insurance policy also covers your medical expenses resulting from accidents.
Hence as you can see, the importance of a car insurance policy cannot be overstated. It is not only meant for the safety of your car alone but more importantly for the well-being of you and your family.
By: brenda
A car insurance policy in the US in fact also acts as insurance for he driver of the car. A car insurance policy there covers many aspects. First of all the physical damage suffered by your car is covered. This means that in case of collision the property loss to your car is covered. Secondly, there is the comprehensive coverage which insures your car in the event of damage caused by non-collision factors, such as fire, theft, vandalism, etc. The car insurance policy also covers the liabilities, which may either be bodily injury or property damage.
The insurance covering for the bodily injury relates to the incident of death of the driver, which may either be you or anyone else recognized by the car insurance policy. In case of property damage it relates to the damage caused to someone else’s vehicle or property by your car. The extent of the liability is fixed at the time of insurance however. Besides these a car insurance policy also covers your medical expenses resulting from accidents.
Hence as you can see, the importance of a car insurance policy cannot be overstated. It is not only meant for the safety of your car alone but more importantly for the well-being of you and your family.
By: brenda
Reasons to Buy Insurance
Many people think insurance is a waste of money, while others believe in over insuring themselves. This brings up the question, "Why buy insurance?" Most people actually hate the idea of paying for insurance, since the odds of actually needed it are pretty low.
You pay monthly to something in the event that you might need it one day. Insurance itself comes in many forms such as auto insurance, homeowners insurance, life insurance, health insurance, renters insurance and many, many more varieties.
The purpose of having insurance is to protect you and your loved ones against any unforeseen tragedy. There are two ways you can go about buying insurance, should you decide you need it. There are agents who will guide you in the right direction and then you can also purchase it on your own. Be careful to do the research and learn about the different policies available. Then compare them against each other and make the best decision.
There is a definite advantage of using an agent to purchase your insurance policy. Make sure you find a reputable one that is with a solid company. They are able to offer you advice and any suggestions that can help you in your situation. The obvious advantage of doing it yourself is that you will pay less for your insurance.
When looking to buy insurance, ask yourself if you need that specific type. Make sure you understand exactly what it covers before purchasing. If you think that type of insurance is right for you, next figure out how much of it you need. Policies are different and can vary in what they cover.
Look at the dollar amount or if they are going off a percentage (of your loss). There might be just a deductible you are responsible for. Make sure you know exactly what is included and excluded.
If you have decided to purchase it on your own, the internet is a great tool for researching insurance. If you have gone with an agent make sure you are happy with the company that he is selling with, or go with an independent agent who has access to multiple companies. Make sure that the company is able to pay on your claims, if you ever have to file one. Look up ratings online for certain companies but also ask the agent.
Check with your state's insurance commission for any complaints or refusals to pay specific claims. Consider paying annually or even semi-annually, this can save you money. If you purchase more than one type of insurance from the company that also can help save you some money.
If you are a college graduate, check out what your alumni association has to offer. Colleges usually partner up with reputable companies and offer discounts. The same applies to professional and religious associations. Network within your own resources when looking for insurance, try to avoid specials advertised on television the cover very little.
Think of insurance as small savings account that will protect you against catastrophic loss. Most people do not have enough in savings to protect their assets and livelihood in case something horrible and unexpected happens. These events may include totaling your car, a serious illness, your house burning down, grand theft of your property and more.
Most people cannot afford a $250,000 medical bill or come up with the money out of their savings to replace their home and personal property in the event of a fire. Insurance is a "savings account" in case the worst happens so you do not have to come out of pocket in these scenarios.
Insurance will protect you and your family from possible bankruptcy, can replace your property, your vehicle and provides a lifeline for your family if you unexpectedly die. Insurance is one of the most sound investments you can make to protect yourself and your property, so buy the best possible policy you can afford.
Then you can rest easy knowing you are covered, although make sure you understand and research the coverage you are buying to understand the exclusions and what is actually covered by the policy.
By: Christina Costa
You pay monthly to something in the event that you might need it one day. Insurance itself comes in many forms such as auto insurance, homeowners insurance, life insurance, health insurance, renters insurance and many, many more varieties.
The purpose of having insurance is to protect you and your loved ones against any unforeseen tragedy. There are two ways you can go about buying insurance, should you decide you need it. There are agents who will guide you in the right direction and then you can also purchase it on your own. Be careful to do the research and learn about the different policies available. Then compare them against each other and make the best decision.
There is a definite advantage of using an agent to purchase your insurance policy. Make sure you find a reputable one that is with a solid company. They are able to offer you advice and any suggestions that can help you in your situation. The obvious advantage of doing it yourself is that you will pay less for your insurance.
When looking to buy insurance, ask yourself if you need that specific type. Make sure you understand exactly what it covers before purchasing. If you think that type of insurance is right for you, next figure out how much of it you need. Policies are different and can vary in what they cover.
Look at the dollar amount or if they are going off a percentage (of your loss). There might be just a deductible you are responsible for. Make sure you know exactly what is included and excluded.
If you have decided to purchase it on your own, the internet is a great tool for researching insurance. If you have gone with an agent make sure you are happy with the company that he is selling with, or go with an independent agent who has access to multiple companies. Make sure that the company is able to pay on your claims, if you ever have to file one. Look up ratings online for certain companies but also ask the agent.
Check with your state's insurance commission for any complaints or refusals to pay specific claims. Consider paying annually or even semi-annually, this can save you money. If you purchase more than one type of insurance from the company that also can help save you some money.
If you are a college graduate, check out what your alumni association has to offer. Colleges usually partner up with reputable companies and offer discounts. The same applies to professional and religious associations. Network within your own resources when looking for insurance, try to avoid specials advertised on television the cover very little.
Think of insurance as small savings account that will protect you against catastrophic loss. Most people do not have enough in savings to protect their assets and livelihood in case something horrible and unexpected happens. These events may include totaling your car, a serious illness, your house burning down, grand theft of your property and more.
Most people cannot afford a $250,000 medical bill or come up with the money out of their savings to replace their home and personal property in the event of a fire. Insurance is a "savings account" in case the worst happens so you do not have to come out of pocket in these scenarios.
Insurance will protect you and your family from possible bankruptcy, can replace your property, your vehicle and provides a lifeline for your family if you unexpectedly die. Insurance is one of the most sound investments you can make to protect yourself and your property, so buy the best possible policy you can afford.
Then you can rest easy knowing you are covered, although make sure you understand and research the coverage you are buying to understand the exclusions and what is actually covered by the policy.
By: Christina Costa
Will Your Home Insurance Cover Your Home Based Business?
Many home business owners are unaware that their home insurance may not cover their home based business as well. Statistics show that close to 60% of the 18 million home based businesses in the US are knowingly or unknowingly gambling with the future of their businesses. In many cases people just assume that their regular home insurance will extend to cover their home based business as well. Unfortunately, in the world of insurance, of rather in the business of insurance, you've got to inquire about, apply for and pay for extended coverage such as home based business insurance.
It's important to acknowledge that most homeowner policies only cover a loss of business property up to $2500, and many policies will not cover losses away from home. Furthermore regular homeowner insurance does not cover liability coverage for business related activity. When you think about the consequences, you might get your self in gear and look into your policy. Imagine if a client slipped and fell during an appointment at your home based business? You could be in the midst of nasty lawsuit and with no coverage! Or, imagine that the theft of your $15,000 worth in computer equipment. It would be a more than unpleasant surprise to find out that your home insurance will not cover the majority of your losses.
In order to assess the type of insurance you'll need for your home based business, you'll want to ask yourself these pertinent questions: How much inventory do you have, and what would be the total cost of replacement? How many customers do you have, and how often do they come to your home? Would you be able to cope if a disaster forced you and your business out of your home temporarily, or would this be totally out of the question impossible?
There are different types of policies available and you'll want to narrow it down to which one best fits you and your business. Look into different insurers and see what sort of packages they offer. Business owner's policy, home office policy, and a business pursuits endorsement all offer varying levels of property damage coverage and liability insurance.
Home based business owners should also consider taking certain steps beyond insurance to cover themselves:
- Keep office equipment away from the site of passers-by on the street.
- Ensure that fire extinguishers and dead bolt locks are installed.
- Money and important documents should be kept in a fireproof safe.
- Motion-sensitive outside lights should be installed and any debris or potentially hazardous obstacles should be removed.
- Ensure that electrical circuits are never overloaded.
- Have back-up of all important documents and store them at a separate location.
If you're a home based business you'll want to make sure you know the details of your insurance, and don't assume that your homeowners insurance will cover your business as well!
By: Ted Guarnero
It's important to acknowledge that most homeowner policies only cover a loss of business property up to $2500, and many policies will not cover losses away from home. Furthermore regular homeowner insurance does not cover liability coverage for business related activity. When you think about the consequences, you might get your self in gear and look into your policy. Imagine if a client slipped and fell during an appointment at your home based business? You could be in the midst of nasty lawsuit and with no coverage! Or, imagine that the theft of your $15,000 worth in computer equipment. It would be a more than unpleasant surprise to find out that your home insurance will not cover the majority of your losses.
In order to assess the type of insurance you'll need for your home based business, you'll want to ask yourself these pertinent questions: How much inventory do you have, and what would be the total cost of replacement? How many customers do you have, and how often do they come to your home? Would you be able to cope if a disaster forced you and your business out of your home temporarily, or would this be totally out of the question impossible?
There are different types of policies available and you'll want to narrow it down to which one best fits you and your business. Look into different insurers and see what sort of packages they offer. Business owner's policy, home office policy, and a business pursuits endorsement all offer varying levels of property damage coverage and liability insurance.
Home based business owners should also consider taking certain steps beyond insurance to cover themselves:
- Keep office equipment away from the site of passers-by on the street.
- Ensure that fire extinguishers and dead bolt locks are installed.
- Money and important documents should be kept in a fireproof safe.
- Motion-sensitive outside lights should be installed and any debris or potentially hazardous obstacles should be removed.
- Ensure that electrical circuits are never overloaded.
- Have back-up of all important documents and store them at a separate location.
If you're a home based business you'll want to make sure you know the details of your insurance, and don't assume that your homeowners insurance will cover your business as well!
By: Ted Guarnero
Wednesday, 2 April 2008
10 Tips On Reducing Renters Insurance Costs
Renting a home or office necessitates insurance protection. The insurance protects renters against fire, theft, vandalism, natural disasters or a liability suit. Leading insurance companies offer renter’s insurance policies with varied coverage. Most renters insurance policies cover perils like: fire, storms, explosions, riots, aircraft collisions, vehicle accidents, smoke, mischief, theft, natural disasters, falling objects, floods, electrical or plumbing mishaps, earthquakes, and more.
Be an educated purchaser of renters insurance and make the effort to find out whether the renters policy offers ACV, actual cash value or RCC, replacement cost coverage.
The premium for renters insurance depends on many factors like where you live, the age of the building and so on. There are many ways by which you can aim to reduce renters insurance costs:
1. Buy a policy after making comparisons online and offline. Choose a policy that offers the most at the lowest premium.
2. When choosing a rental home or office think of how the location and age of the building will affect your insurance premiums. Choose a location that is affordable but does not cause a huge increase in insurance costs.
3. Reduce costs by increasing your deductibles. Create a financial plan and make sure you can actually afford the deductible payments.
4. Keep a check list of what will increase renter’s insurance costs. For example do not buy or adopt a dog on an impulse. Many companies are wary about covering owners of certain breeds of dogs and other pets.
5. Maximize safety features in your rental space. Insurance companies offer great discounts when protective devices like fire detectors, smoke alarms, burglar alarms, and fire extinguishers are installed in a rental space.
6. Think about buying a renters insurance policy from the same insurance company that has covered your health and vehicle. When companies know that you are a reliable and responsible citizen they offer what is known as “multi-line discounts.”
7. Read articles and tips on insurance online and determine how you can benefit most.
8. Follow in the rental space the safety regulations recommended by authorities. Take good care of storing inflammables, left over pain thinners, and other hazards.
9. Before buying a renters insurance policy create a list of valuables in your possessions and inform the insurance company about them. Items like art, antiques, diamonds, jewelry, and state-of-art electronics may need additional riders/coverage on the renters policy.
10. Always check online, in magazines and news papers for special offers and discounts being offered by insurance companies.
Being a responsible citizens and having a good credit rating and report is also advantageous and insurance companies offer better deals to individuals who are considered to be low risk.
Get greater renters insurance benefits by planning your life well. Insurance costs have many variables and depend on aspects like your age, insurance coverage, financial standing, debt and more.
The World Wide Web is a thriving marketplace for online renters insurance policies. Insurance bought online is often cheaper than offline. Websites devoted to insurance bring online leading insurance companies and the most affordable options. Customers online can also make use of tools like insurance risk computation, and online quote comparison tools.
Be an educated purchaser of renters insurance and make the effort to find out whether the renters policy offers ACV, actual cash value or RCC, replacement cost coverage.
The premium for renters insurance depends on many factors like where you live, the age of the building and so on. There are many ways by which you can aim to reduce renters insurance costs:
1. Buy a policy after making comparisons online and offline. Choose a policy that offers the most at the lowest premium.
2. When choosing a rental home or office think of how the location and age of the building will affect your insurance premiums. Choose a location that is affordable but does not cause a huge increase in insurance costs.
3. Reduce costs by increasing your deductibles. Create a financial plan and make sure you can actually afford the deductible payments.
4. Keep a check list of what will increase renter’s insurance costs. For example do not buy or adopt a dog on an impulse. Many companies are wary about covering owners of certain breeds of dogs and other pets.
5. Maximize safety features in your rental space. Insurance companies offer great discounts when protective devices like fire detectors, smoke alarms, burglar alarms, and fire extinguishers are installed in a rental space.
6. Think about buying a renters insurance policy from the same insurance company that has covered your health and vehicle. When companies know that you are a reliable and responsible citizen they offer what is known as “multi-line discounts.”
7. Read articles and tips on insurance online and determine how you can benefit most.
8. Follow in the rental space the safety regulations recommended by authorities. Take good care of storing inflammables, left over pain thinners, and other hazards.
9. Before buying a renters insurance policy create a list of valuables in your possessions and inform the insurance company about them. Items like art, antiques, diamonds, jewelry, and state-of-art electronics may need additional riders/coverage on the renters policy.
10. Always check online, in magazines and news papers for special offers and discounts being offered by insurance companies.
Being a responsible citizens and having a good credit rating and report is also advantageous and insurance companies offer better deals to individuals who are considered to be low risk.
Get greater renters insurance benefits by planning your life well. Insurance costs have many variables and depend on aspects like your age, insurance coverage, financial standing, debt and more.
The World Wide Web is a thriving marketplace for online renters insurance policies. Insurance bought online is often cheaper than offline. Websites devoted to insurance bring online leading insurance companies and the most affordable options. Customers online can also make use of tools like insurance risk computation, and online quote comparison tools.
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