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You are likely hearing the adds on t.v. by a few insurance companies talking about putting all of your insurance with them: homeowner, auto, etc. If you are not familiar with this method, you might want to check into it. The word “combining” may be a little misleading. You still have an auto-specific policy and a homeowner-specific . . . → Read More: Combining Insurance Polices – What to Expect There is no one who doesn’t gripe about insurance rates – whether it be for life, health, auto, homeowner…you name it. We all want the best for not very much. We also should shop around, if we have that option, to get the best price for the coverage we need, shopping only stable insurance companies, preferably. . . . → Read More: Insurance Premium Rates – Our Behavior or Tables Stats? We’ve talked about insurance coverage on your policy for the other guy. What about for you? There are a number of coverages available to you but let’s start with the two most people know about: Collision and Comprehensive (the latter also called “Other Than Collision”). If your vehicle is financed, these coverages are mandatory. Further, your . . . → Read More: Automobile Insurance – Collision Coverage Hopefully, you will think beyond “give me the cheapest premium” when you look into getting auto insurance. Again, it is fine to shop around for the best rates but it is to your benefit to be sure you are buying sufficient coverage for your needs and to protect your assets. As we’ve addressed previously, each state has . . . → Read More: Auto Insurance – How Much Liability Coverage Should I Have? Automobile insurance is probably the most common insurance policy there is – outside of health and life insurance. And maybe not. There are many people who buy auto insurance but who may never buy any other type of insurance. There are many who only buy the auto insurance because they have to – required by law . . . → Read More: Auto Insurance Liability Coverages – The Why Part I began the breakdown of the auto policy, starting with the Declarations page and ending with the Liability coverages. The rest of the policy is set up pretty much the same. Every coverage has an insuring agreement, definitions, Exclusions, and Limits of Liability specific to that coverage. Further, there may be other special provisions germane . . . → Read More: Reading Your Policy – Part II You’ve heard the phrases first party and third party in relation to insurance, right? Do you know what they mean? Perhaps. But, for the sake of those who may not, let’s chat about it. An insurance policy is a contract. A contract is comprised of several elements: a meeting of the minds, an offer, an acceptance and . . . → Read More: The Party of the First Part…Ugh! Whatever type of insurance you obtain does not come free. Insurance coverage is provided by a company that takes on the risk of the value of what you are insuring. When you buy insurance, you become an insured with the company providing the risk (the insurer) and the contract that is created between you and the . . . → Read More: Insurance Premium – The Good, The Bad, The Why |
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