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insurance auto: How to Review Your Auto Insurance Renewal Statement - 03/29/09 04:15 PM
You can save TONS OF MONEY by just taking a few minutes to look over that annoying little renewal statement that has your insurance bill attached to it.
We sure get a lot of paper these days. Seems that in this paper-LESS society, we shouldn't have quite as much paper as we do. True... we can scan it, archive it, or just throw it away. There is one piece of paper that you'll want to pay attention to -- Its your Auto Insurance Renewal Statement. You'll get these once or twice a year depending on how often your auto insurance renews. … (2 comments)
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insurance auto: Keeping, Dropping or Changing Your Comprehensive or Collision Coverage - 03/29/09 03:52 PM
Managing the cost of your insurance can be as simple as answering a few simple questions. Here's a short discussion that will walk you through the process of deciding to keep, drop or to change (different deductible) your comprehensive and/or collision coverages in your car insurance policy. First we need to do a very short 'inventory.'
TAKING YOUR FINANCIAL PICTURE - Insurance is simply the management of risk. Owning and driving an automobile is a risk. You risk injury, loss of your vehicle, and potential liability for damage to others. The purchase of insurance is merely an agreement with the company … (1 comments)
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insurance auto: Current State Minimum Auto Insurance Liability Limits - 03/29/09 03:16 PM
Alaska 50/100/25 Alabama 20/40/10 Arkansas 25/50/15 Arizona 15/30/10 California 15/30/5 Colorado 25/50/15 Connecticut 20/40/10 Delaware 15/30/5 Florida 10/20/10 Georgia 15/30/10 Hawaii 20/40/10 Idaho 20/50/15 Illinois 20/40/15 Indiana 25/50/10 Iowa 20/40/15 Kansas 25/50/10 Kentucky 25/50/10 Louisiana 10/20/10 Maine 50/100/25 Maryland 20/40/10 Massachusetts 20/40/5 Michigan 20/40/10 Minnesota 30/60/10 Mississippi 25/50/25 Missouri 25/50/10 Montana 25/50/10 Nebraska 25/50/25 New Hampshire 25/50/25 New Jersey 15/30/5 New Mexico 25/50/10 Nevada 15/30/10 New York 25/50/10 North Carolina 30/60/25 North Dakota 25/50/25 Ohio 12.5/25/7.5 Oklahoma 10/20/10 Oregon 25/50/10 Pennsylvania 15/30/5 Rhode Island 25/50/25 South Carolina 15/30/10 South Dakota 25/50/25 Tennessee 25/50/10 Texas 20/40/15 Utah 25/65/15 Virginia 25/50/20 Vermont 25/50/10 … (0 comments)
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insurance auto: BEST Auto Insurance Quote-How To Get It - 04/08/08 12:14 PM
How much liability coverage do I need? $500 or $250 dedictible? Do I even need collision coverage? Answers to these and lots more... Just CLICK THE -READ THIS FIRST-
Getting the most for your insurance dollar starts with getting the best quote you can. There's few things in life more (seemingly) complicated than an auto insurance quote.
How much coverage should I have? What Limits are right for me? 15/30/25? 100/300/100? What deductibles should I have? $100, $250, $500? Should I even have collision coverage on my car? What about Uninsured Motorist Coverage? What's MEDICAL PAYMENTS? What about towing, rental car … (0 comments)
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insurance auto: The Paint on my Fender Isn't Going To Match the Rest of the Car - 04/02/08 09:17 AM
Face it. Paint fades over time. Your car sits out in he sun and gets weather-beaten by rain, snow, etc. After a few years, the paint looks OK, but you can tell that the paint isn't like it was when the car was brand new.Then.... you have a little fender bender and your left front fender is crunched. Damage isn't all that bad, but you need a new headlight and some paint when it's all done.Doesn't matter how good the body shop is at matching the color. Actually most of it is completely computer driven and there's specific formulas for a … (1 comments)
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insurance auto: Prior Damage Previous Accident - What are your Insurance Options - 04/02/08 09:14 AM
A client called me yesterday with an interesting dilemma. Said that recently, when his car was parked on the street, it was hit by a Fire Truck on a call. Kind of unusual as Fire Truck Drivers are usually pretty good at what they do.Nevertheless, he was concerned because on the same side of the car there was some damage from a prior accident and wanted to see if he could get that fixed at the same time. He also wanted to make sure the paint matched the rest of the car. So here's the advice I offered to Steve.The insurance … (0 comments)
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insurance auto: Low Claim Settlement Offer - What to do about it. - 03/13/08 07:51 PM
Whenever your vehicle has been declared a total loss, the insurance company will offer you a settlement based on the fair market value of your vehicle. (this works for cars, motorcycles, RV's, boats, etc.)In the realm of United States tax law, the definition of "fair market value" is found in the United States Supreme Court decision in the Cartwright case:
The fair market value is the price at which the property would change hands between a willing buyer and a willing seller, neither being under any compulsion to buy or to sell and both having reasonable knowledge of relevant facts. United … (6 comments)
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insurance auto: 10 Ways to Beat the High Cost of Auto Insurance (Part 2) - 02/26/08 08:46 AM
Part 1
We've been evaluating 10 Ways to Beat the High Cost of Auto Insurance. Part 1 included the introduction and Ways 1-3. We'll finish it up here.4. EVALUATE YOUR MEDICAL COVERAGE - Medical Payments coverage is designed to pay for injuries sustained by you and anyone else in your car. Particulars of this coverage vary so the details are best discussed with your agent. But, here's the basic idea.If you have good medical insurance through your work or a private plan, it may be wise to minimize your medical payment coverage on your auto insurance. As far as the coverage … (1 comments)
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insurance auto: 10 Ways to Beat the High Cost of Auto Insurance (Part 1) - 02/26/08 08:42 AM
Part 2
Insurance has been one of the necessary evils of life for over 100 years. In this day of higher taxes, rising food prices and soaring housing costs, it is possible for you to get a handle on your own auto insurance costs. If you have been frustrated by an inattentive agent and constantly rising insurance premiums, this is the post for you!Insurance can be complex and technical. Some people are paralyzed by simple buying decisions. Should I have collision coverage on my 15 year-old car? Would it make more sense to have a $500 deductible instead of a $100 … (2 comments)
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insurance auto: One Picture is Worth a Thousand DOLLAR$ - 01/26/08 01:41 PM
Yes, I know a picture is worth a thousand words, but it could also be worth a thousand (or THOUSANDS OF) dollars!I can't tell you the number of times in my 30+ year career in the insurance business that I've listened to a distraught policyholder after a loss struggle to remember everything that was stolen or lost in a fire. Many times I'll get a call many months after the loss because the client just discovered that, "They got my Grandma's silver too. We didn't realize it until we were setting the table for Thanksgiving dinner."The whole process wouldn't probably take … (5 comments)
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