Owning and operating a car isn’t cheap. Aside from paying for gas, maintenance, and repairs, you’ll likely need to buy an auto insurance policy. According to the National Association of Insurance Commissioners (NAIC), most states require some form of auto insurance. Among other factors, insurance companies look at who you are and how you drive [...]
Consumers today have more tools available than ever to help them shop, compare, and ultimately purchase automobile insurance. Drivers can now research and buy auto insurance coverage through an insurance professional, over the phone, by mail, and on the Internet. Before you begin shopping, however, you need to investigate the basis for the cost of [...]
Whether you’re in good health naturally or you rely on medication and specialists to stay that way, finding the right health insurance plan is key—and you could pay a penalty if you don’t have it. If you’re self-employed, your employer doesn’t offer health insurance, or even if you simply think you might be better off [...]
When you lease a car, you’re really just renting it long-term. Because your leased car belongs to someone else—a lessor that wants the car back, whole, at the end of the lease—you may be required to carry more auto insurance than you’d normally purchase. Must-have insurance policies for leased cars In general, a lessee will [...]
The holidays have arrived, and when it comes to holiday presents, whether insurance will cover an item is generally not top of mind. However, it’s important not to assume that your homeowner’s insurance will cover any expensive gifts that you may be giving or receiving, such as computers, jewelry, or even a vacation package. Giving [...]
The holidays are prime time for houseguests. Whether it’s your siblings and their spouses or an elderly relative, it’s important to be prepared for your guests before they arrive. Being prepared means more than just blowing up the air mattress and stocking up on snacks. It also means reviewing your insurance policy to be sure [...]
Did you know that in 2013, winter storms were the third-largest cause of catastrophe losses, causing $1.9 billion in insured losses? According to reports from Munich Re, from 1993 to 2012, winter storms resulted in about $28 billion (in 2012 dollars) in insured catastrophe losses, or more than $1 billion a year on average, according [...]
Choosing the right health insurance plan can be a daunting task. In addition to deciding which coverage best suits your needs, you also have to cut through the jargon to ensure you’re accurately comparing health plans. As you shop for insurance, you’ll likely see four terms over and over again: premium, copay, coinsurance, and deductible. [...]
For the past five years, most homeowners have been watching their homeowners insurance rates go up, even as their homes drop in value. This has led some homeowners to wonder: If my home is worth less, shouldn’t it cost less to insure? Unfortunately there is no insurance break on the horizon for homeowners, regardless of [...]
Understanding your health insurance policy can be tricky, but knowing the terms of your policy before a medical professional treats you is the key to helping you avoid unexpected and often hefty bills. The staff members at eHealthInsurance.com, a website that helps consumers find health insurance, frequently field questions about health insurance policies. They have [...]
