So many people have so many different insurance questions and it seems as if most agents would rather just collect your money than spend any time helping you understand your policy. I've heard a lot of people say they spend more time on hold with their agent than getting any answers out of them and I know how frustrating that can be.

I myself am guilty of not reading my policy cover to cover (who isn't) only to find out later that certain things aren't covered, or have a higher deductible and felt like it was really my fault for not doing my due diligence. So what do you do when you have insurance questions that need to be answered, but don't really have the time to wait for your insurance agent?

Let me tell you about a new site I came across that has loads of information and answers to a lot of commonly asked insurance questions. It's called www.InsuranceXplained.com. The site is very easy to navigate and has a lot of information available on it for free. They are also coming out with a downloadable eBook that helps guide you through the most common insurance questions, and questions you should be asking your agent when you buy the policy itself. Here's the cool thing, the eBook only cost $9 and they are guaranteeing that you will either save the $9 on your next policy, or that you'll get better coverage for the same price! So you really can't lose on this deal. For such a minimal investment it's hard not to imagine that you'll end up ahead in the game. The guy behind the site has been in the insurance industry for over 25 years and has really put together a lot of information in a way that's easy to understand and digest.

Do yourself a favor and just visit the site, check out the Q&A's there. Just the free information available on the site is good stuff and should help answer some of those pesky insurance questions.