Online Insurance Guidelines

Most consumers are aware that life insurance coverage is important; however, many don’t take the necessary steps to compare insurance quotes from potential providers.

Even those with coverage from employers may want to look elsewhere, according to a new report that sought to compare life insurance coverage for families.

Employer-provided life insurance coverage is rarely enough to support families, as many only provide death benefits of $10,000 to $25,000, USA Today reports. This may be enough to cover funeral expenses, but could fall well short of helping a family maintain its standard of living.

“People don’t think about, ‘What will my family do if I am gone and not earning a living?’ ” Peter Katt, a fee-only life insurance adviser, told USA Today. Read all post…

In recent years, Americans have received tax breaks for eco-friendly home improvements, helping consumers save money on new windows, doors and solar panels.

This week, an insurer in Oregon announced a new policy that may make environmentally conscious consumers want to compare home insurance coverage options carefully.

Fireman’s Fund Insurance Company is now offering ‘green’ insurance policies to those whose homes have been certified by Earth Advantage, a Portland, Oregon, non-profit.

This expanded coverage guarantees that if a home experiences damage or is completely destroyed, it will be rebuilt to environmental standards, complete with Energy Star appliances and non-toxic, low-odor paints and carpeting.

“We believe this is a trend-setting insurance solution for homeowners who are interested in the many benefits of ‘going green’ at home,” said Donald Soss, vice president of Fireman’s Fund’s Personal Insurance Department.

Consumers who have already updated their homes to green standards could be able to save up to five percent off their insurance policies by switching to the company’s coverage.

A lot of people blanch at the idea of hanging out with politicians. Often, and understandably so, many folks’ first thoughts go directly to bribery, graft and scandal. And it’s hard to know which ones are involved in such things and which aren’t. But that doesn’t mean your interactions with local officials in your town, your county and your state have to go in those directions.

There are polite, effective, and best of all, legal, ways to discuss your business, your goals, your industry and local events with the members of your city council, your county commission, state legislature and so on. Simply Read all post…

For a large part of the U.S. and virtually all of Canada, the ice and snow is moving in for the winter – and it’s a good time to have a conversation with a representative from your auto insurance company.

Why? In order to make certain you’re covered if you wind up sliding off the road.

About Weather-Related Claims

If you are just carrying the minimum liability insurance, you should understand that while you are covered for any damage you cause to someone else’s vehicle, damages to your own is not covered – nor are you protected if you happen to hit a patch of ice and slide off the road and run into a tree or light pole as a result.

If you have full coverage auto insurance however, your insurer will cover the costs of repair or replacement.

If You File a Weather-Related Claim

State laws vary when it comes to what an auto insurer is allowed to do when an insured files a claim. Normally,

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Travellers face double-digit rises in their insurance premiums in the new year, with insurers citing rising medical and fraud costs for the increases.

Axa, the country’s largest insurer, is imposing rises on its customers in time for the winter holiday season, with its competitors likely to follow suit in coming months. <

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This week Mary Jo Hudson, director of Ohio’s Department of Insurance, announced a new online tool for state residents allowing them to compare auto insurance quotes from different auto coverage agencies.

The new Auto Insurance Sample Premium Calculator allows consumers the ability to easily compare quotes and obtain contact information from different companies.

Designed by the state’s insurance department and auto industry, the Sample Premium Calculator asks users a series of questions designed to lead them to the right coverage, Insurance Journal reports. Read all post…

1. The Ferrari F430 Spider was first introduced in 2005 and was designed to replace the 360 Modena. This luxury sports car retailed for around $192,484. There are two trim types produced in 2006, the Coupe and the Spider model. The Spider is the more expensive of the two and includes more standard features. The underside of the vehicle is designed to be flat, mimicking race cars. In addition, a large diffuser dominates the rear of the 430 Spider designed to eliminate the need for a rear wing and help create more downforce.

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