If you need tool to estimate how much life insurance you should have, this is the answer.
Tools source: moneycentral.msn.com
Monday, February 12, 2007
Friday, February 9, 2007
How Risky Is Your Car?
You can evaluate how your car rates on insurance costs easly. Please click this tools . Select a Make to see a list of criteria used in determining insurance costs and then Go. Enjoy your evaluate.
Monday, January 29, 2007
AUTO INSURANCE TIPS For Empty Nesters
It's well-known that children drive up the cost of auto insurance. Adjusting your coverage will make it cheaper.
1. Ask for an age discount.
Combined with a safe driving record, you can get better rates for being an older driver. "As you become a more mature driver, there are more discounts available," says Roger Sevigny, secretary and treasurer for the National Association of Insurance Commissioners and the New Hampshire insurance commissioner. The magic period: between 55 and 70, he says.
2. Tell your agent you've retired (or are doing some telecommuting.)
When you're not racking up commuter miles every day, your rates will likely go down, Sevigny says. The number of miles you're driving can have "an immediate impact" on your rates, he says.
3. Adjust your auto coverage.
If the kids have left for good, take them off the policy. If they are simply away at college, ask about a distant-student credit, says Jack Hungelmann, an insurance consultant and author of "Insurance for Dummies." Usually, it applies if your child is a full-time student, has gone at least a certain distance to college and hasn't taken one of the family cars to campus. And it can give you a nice break on the premiums.
source: articles.moneycentral.msn.com
1. Ask for an age discount.
Combined with a safe driving record, you can get better rates for being an older driver. "As you become a more mature driver, there are more discounts available," says Roger Sevigny, secretary and treasurer for the National Association of Insurance Commissioners and the New Hampshire insurance commissioner. The magic period: between 55 and 70, he says.
2. Tell your agent you've retired (or are doing some telecommuting.)
When you're not racking up commuter miles every day, your rates will likely go down, Sevigny says. The number of miles you're driving can have "an immediate impact" on your rates, he says.
3. Adjust your auto coverage.
If the kids have left for good, take them off the policy. If they are simply away at college, ask about a distant-student credit, says Jack Hungelmann, an insurance consultant and author of "Insurance for Dummies." Usually, it applies if your child is a full-time student, has gone at least a certain distance to college and hasn't taken one of the family cars to campus. And it can give you a nice break on the premiums.
source: articles.moneycentral.msn.com
Top 5 insurance tips
1. Beware of payment protection insurance
2. Make sure your gadgets are insured
3. Review your critical illness cover
4. Don't go ski-ing without the right cover
5. Consider car breakdown cover
soure: www.thisismoney.co.uk
2. Make sure your gadgets are insured
3. Review your critical illness cover
4. Don't go ski-ing without the right cover
5. Consider car breakdown cover
soure: www.thisismoney.co.uk
Friday, January 26, 2007
SAVINGS TIPS FOR WOMEN
Women face different financial challenges than men do. They still only make about 76 cents for every dollar men do, and they are also more likely to take time off during their careers to raise children. Furthermore, women also invest less aggressively than men do.
All this results in financial hardship for many women later in life. Susan Black, director of financial planning at eMoney Advisor, offers these tips for women hoping to improve their finances:
- If you're married, don't leave the financial planning to your husband alone. "If your husband is taking the lead, that's fine. But stay involved as an equal," she says. Discuss your savings options with your husband and learn your financial options.
- While the rule of thumb is that you should save 10% of your gross income each year, Black says that women should save 12%. This is to account for their longer life expectancy and the loss of wages many women face when they raise their children.
- If you're a stay-at-home mom and your husband works, open up a spousal IRA in your name. Your husband can contribute to it on an annual basis, and you'll both have more money during retirement.
- Make sure you have enough life insurance. Half of all marriages end in divorce, and three quarters of all women are eventually widowed. Have enough life insurance to cover at least five years of income.
- Invest in long-term disability insurance. An unplanned illness or accident can cripple your finances. If your employer doesn't offer it, obtain individual coverage through an insurance company.
Thursday, January 25, 2007
Tips on Selecting An Insurance Company
When shopping for auto insurance, do a little homework first, shop around, and select your insurer carefully. Your insurer should offer both fair prices and excellent service. These tips will help you find the right insurer for you:
> Know your state's auto insurance requirements:
Most states require you to carry a minimum amount of liability coverage. Many states have "no-fault" auto insurance systems. Coverage for medical costs for you and your passengers is optional in some states. Coverage for damage to your car is optional.
> Write up your personal auto insurance profile:
List pertinent information concerning what type of vehicle you drive, where you drive, who else drives, what your driving record is, where you live, what optional safety features your car has. This profile will make the next step easier.
> Comparison Shop:
Prices for the same coverage can vary by hundreds of dollars, so it pays to shop around. Ask your friends, check the Yellow Pages, and call your state insurance department for guidance. Contact insurance agents or companies for general pricing information. Select a few insurers for personalized quotes.
> Meet with potential insurance agents:
Make a few appointments, bring your personal auto insurance profile with you, and ask questions. You want a fair price AND quality service. Ask about available discounts, higher deductibles, service options and claims procedures after accidents. Take notes.
> Compare Again:
Consider cost, coverage offered, and quality of service available. Select your insurer.
> Read your policy:
Yes, even the fine print! Ask questions. Keep your policy at hand. Call your insurer to keep your policy up-to-date, inform your agent of any changes (new car, new job, new driver, etc.), and ask periodically about any possible discounts. Review your policy yearly with your insurer.
>Keep your insurance information with you:
Many states require drivers to carry a proof-of-insurance card with them when driving. Ask your insurer for a card, and keep it in your wallet or in your car
source: www.collision-insight.com
> Know your state's auto insurance requirements:
Most states require you to carry a minimum amount of liability coverage. Many states have "no-fault" auto insurance systems. Coverage for medical costs for you and your passengers is optional in some states. Coverage for damage to your car is optional.
> Write up your personal auto insurance profile:
List pertinent information concerning what type of vehicle you drive, where you drive, who else drives, what your driving record is, where you live, what optional safety features your car has. This profile will make the next step easier.
> Comparison Shop:
Prices for the same coverage can vary by hundreds of dollars, so it pays to shop around. Ask your friends, check the Yellow Pages, and call your state insurance department for guidance. Contact insurance agents or companies for general pricing information. Select a few insurers for personalized quotes.
> Meet with potential insurance agents:
Make a few appointments, bring your personal auto insurance profile with you, and ask questions. You want a fair price AND quality service. Ask about available discounts, higher deductibles, service options and claims procedures after accidents. Take notes.
> Compare Again:
Consider cost, coverage offered, and quality of service available. Select your insurer.
> Read your policy:
Yes, even the fine print! Ask questions. Keep your policy at hand. Call your insurer to keep your policy up-to-date, inform your agent of any changes (new car, new job, new driver, etc.), and ask periodically about any possible discounts. Review your policy yearly with your insurer.
>Keep your insurance information with you:
Many states require drivers to carry a proof-of-insurance card with them when driving. Ask your insurer for a card, and keep it in your wallet or in your car
source: www.collision-insight.com
TOP TIPS FOR INSURANCE
There are several things to remember about insuring your new property:
 | Building insurance - This is usually paid in advance of moving, at contract exchange stage | |
| Household contents insurance - The premium for this type of insurance is likely to change when you move - you may have more or less items or may be moving to an area with a different insurance rating. You will need to adjust the coverage before moving. | |
| Car insurance - do not forget to inform the insurers of your car of a change of address |
Check 1st Quote to find out what is the cheapest option for you. Insurance rates depend on the area in which you live. Buying or selling a property is also a good time to check your general finances as well as regular outgoings such as utility bills to see if you can move to a cheaper company or tariff arrangement.
source: www.goodmigrations.co.uk
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