If you happen to fall into a high risk group when it comes to
automobile insurance, unfortunately you're going to have to pay
the price. In Washington State the law is fairly simple:
automobile insurance companies are permitted to charge rates
that reflect a person's age and gender. For young men, who fall
into the category of high risk drivers, this can mean very
expensive premiums.
There are ways to reduce those costs, including:
• Taking a driver's preparation course. Many insurance
companies offer a discount to high risk drivers who take safety
classes. Proof of completion of the course will need to be
presented to enjoy this benefit.
• Being married. Although you likely don't want to get married
just to save on car insurance costs, it's good to note that many
insurance companies will offer a discount for married couples.
• Moving to a less populated city. If you live in a locale that
is highly populated, it poses more of a risk and therefore your
rates may be reflective of that. Many people who live in remote
areas pay substantially less in premiums for their vehicles.
• Driving history. The more speeding tickets and accident
claims you have, the higher your premiums will be. Driving
legally and safely always can really reduce insurance costs.
The biggest thing to remember when you are a young or high risk
driver is that each year that passes that you remain claim-free
helps improve your chances of lower insurance costs. For a young
person just learning to drive, one of the best options is for
them to be placed as an occasional driver under a parent's
policy. Over time, they'll build up a solid reputation as a good
driver and this will help when it comes time to shop for their
own policy.
About The Author: Recommended sites for low rate insurance
http://www.ezquoteg
Quotes in Washington
http://www.myquoteg
Home Quotes
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Thursday, September 27, 2007
How To Save Money And Get Discount Automobile Insurance In Washington
Saturday, September 22, 2007
How To Buy Whole Life Insurance Online
Buying whole life insurance online is similar to buying any
other kind of insurance online. If you've decided whole life
insurance is for you, read on.
Begin your search. People love searching and shopping online
because it's quick and easy. To add to the convenience, you can
gain instant access to multiple whole life insurance companies
and policies online when you visit websites dedicated to doing
the searching for you! Simply visit your favorite search engine,
type "buy whole life insurance online," "get whole life
insurance quote," or some other similar phrase, and voila!
Choose a website with a large database to ensure you get the
most relevant results possible. You'll probably have the best
luck with websites closest to the top of the results.
Research the insurance company. You want a life insurance
company that's financially sound, customer service-oriented, and
is legally allowed to do business in your state. Visit the
website of any independent research company to find the
financial rating of the life insurance company. Then head over
to the Better Business Bureau's website to find complaints filed
against the company. Finally, give your state's department of
insurance a call and ask if the company in question is licensed
to sell whole life insurance in your state.
Speak with a live agent. While shopping for whole life
insurance online is quick and easy, you probably want to stay
away from making the final purchase – sealing the deal – online.
After all, there will be questions to ask, fine print to read,
and paperwork to sign. It's perfectly fine to shop around for
great whole life insurance online – you can compare companies,
their policies, and their quotes. You can research the companies
further with the help of independent research companies, the
BBB, and your state's insurance department. However, when it's
time to make the actual purchase, you should request contact
information for a live insurance agent for the company.
About The Author: http://www.ezquoteg
Insurance Online http://www.myquoteg
Term Life Insurance Quotes
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Friday, September 21, 2007
How To Choose Good Value Travel Insurance.
Travel insurance provides coverage against financial and other
losses that you may incur while travelling domestically or
internationally. You can either get it at the time of booking
your trip, for the exact length of the trip or you can get it
for a longer period. Travel agents, travel insurance companies,
cruise lines, or tour operators can all help you with purchase
of continuous travel insurance.
Here's a list of some of the most common risks that are covered
by travel insurance:
- Cancellations and/or Curtailments;
- Delayed departures for flights, and other modes of travel;
- Loss, theft or damage to personal belonging and money
including travel documents;
- Delay or loss of baggage;
- Medical expenses/Sickness;
- Emergency evacuation/repatria
- Overseas funeral expenses;
- Accidental death, injury or disability benefit;
- Legal assistance for travel related needs;
- Personal liability;
- Loss of income due to other reasons.
Some travel insurance companies have travel policies, which
will also provide you extra coverage for additional price.
However, these costs vary widely from carrier to carrier. Here's
a list of the extra insurance coverage that can be purchased for
an additional fee:
- High risk sports (e.g. bungee jumping, scuba diving, sky
diving);
- Travel to countries with high risk (e.g. due to civil wars or
natural disasters);
- Travel with pre-existing medical conditions (e.g. asthma,
diabetes, heart conditions).
There are several types of policies available depending on your
needs. If you travel more than twice a year, then you can avail
the option of an annual holiday insurance policy, rather than
buying two single travel insurance policies. Some basic types of
policies available are:
- Single Trip Cheap Travel Insurance. Perfect for those who
take one main holiday annually. It covers single trips anytime
in the year with a duration of min. 3 to max. 183 days per trip.
- Annual Multi-Trip Cheap Travel Insurance. If you travel over
two times in a year, then this holiday coverage works well for
you. Not only do you get flexibility and peace of mind knowing
you are covered for each trip, you will also save on money. You
can make unlimited trips of up to 45 days each through the year.
- Backpackers Cheap Travel Insurance. Students and backpackers
may insure themselves by opting for this insurance type.
Travelling to unknown countries and places where you may not
even speak the language is a path fraught with danger, but with
a travel policy, you'll be secure in the feeling that if you
meet with an accident or fall sick, you'll be able to get the
necessary medical assistance. It usually covers trips from 31
days to 18 months per trip. Some carriers also include up to 40
Adventure Sports in the policy.
Some of the other travel insurance types are Ski/Snowboarding,
Senior Citizen and Long Stay Travel Insurance policies. Choose
the best one for you, stay covered, and be stress free on your
holidays!
About The Author: T. O' Donnell
http://www.ttinsura
licenced credit broker based in London, UK.
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Wednesday, September 19, 2007
How To Compare Low Cost Automobile Insurance In Connecticut
Connecticut residents should be aware of certain variables when
comparing low cost automobile insurance. Although all insurance
companies have certain rules and regulations to follow, they are
afforded some flexibility in underwriting. Here are a few things
you should be aware of:
1.Young Drivers: Some companies prefer not to insure young
drivers and that preference will translate into higher premium
dollars. Let's face it, they will charge a little more to do
things they don't want to do.
2.Accidents: If you have too many accidents, you might be
forced to place your auto coverage through the Connecticut
Automobile Assigned Risk Plan. The state of Connecticut
established the Assigned Risk plan to enable policyholders who
have been denied insurance (within the past 60 days) an
opportunity to get insurance. The coverage, as you might have
guessed, is not cheap. This is the place where the uninsurable
go as a last ditch effort.
3.Credit – This is not a mandatory underwriting requirement,
however, many Connecticut insurance companies do use credit
information when underwriting a policy. If they do, however,
they must notify you. If you know you have bad credit, you might
want to select a company that does not use this in their premium
formulation as poor credit translates into higher rates.
5.Ask for discounts: Speak to the insurance agent to find out
what discounts you may qualify for. Did you know that if your
high school student maintains a B or better average in school
qualifies for a premium discount? Your agent knows of the
various discounts available, make sure you do too.
6.Shop on line. By shopping on line and going directly to the
insurance company, there is a chance you may bypass the
insurance agent. By doing so, your premium calculations should
be a bit lower as the agent's commission will not be built into
the premiums bottom line.
About The Author: Recommended sites for low rate insurance
http://www.ezquoteg
in Connecticut http://www.myquoteg
Instant Auto and Home Quotes (Combined)
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Saturday, September 15, 2007
Why Not Buy Mexican Auto Insurance In Mexico?
It's a bad idea for US and Canadian tourists to wait to buy
Mexican Auto Insurance at the border or inside Mexico. Most
people plan their vacation, then forget all about insurance
until they cross the border... then they proceed to buy
insurance at the nearest seller. This is the equivalent of
buying your groceries at a convenience store: no matter how well
you shop, you're going to pay too much, and your options will be
limited, too. You don't even have the option of researching
those insurers that vend at the border, and who knows how strong
their grasp of the English language is going to be. It's better
to buy it before you leave.
How much time is it going to take to purchase a policy at the
border? What extra fees will they add? Is it a PAPER policy? Is
it printed in -2 font? There might be a reason. What are the
options? Why not purchase a policy before you go to Mexico, in
the comfort of your home? It costs less. You need a policy with
an English or a Spanish translation. You also need ID cards and
accident instructions.
What will you do if you can't find an insurance booth as you
cross or find that your favorite booth is closed or having
equipment failure problems? What about Legal? Do they make you
pay for the bond? What about emergency medical assistance? Is
that included? Are they hawking Split limits or Combined Single
Limits? Does it matter? Yes, depending on the amount of the
limit you purchase?
Are you getting an electronic policy or a bare bones paper
generated policy?
Does the insurance company you are purchasing from have a good
or bad reputation for paying claims?
Does the policy say that's it's OK to repair your car in the
United States, & then restrict the Labor Rate to rates commonly
found in Mexico such as $10.00 or $15.00 dollars an hour. Who
pays if difference if the labor rate in the US is $65.00 per
hour?
TIP: Most likely you will.
About The Author: Linden Gray owner of Mexican Insurance Store
is an international insurance veteran with over 29 years of
wholesale, retail, and direct insurance experience. Mr. Gray has
been featured in numerous offline & online publications
including RV Magazine, The Press Enterprise, http://PE.com,
Google News, Yahoo News, Digg and Buzzle. Visit his website for
more information about Mexican Auto Insurance.
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How To Compare Low Cost Long Term Care Insurance In Connecticut
Connecticut residents looking for long-term care should be
aware that there are several types of long term care facilities.
When comparing long-term care providers, be sure to compare
similar types of facilities with their counterparts. For
example, comparing an assisted living facility to an adult day
care may result in your making an uninformed, biased decision.
Below are a few types of long-term care facilities available in
the state of Connecticut:
1. Nursing Homes: These facilities provide full 24-hour care
for patients who may not be able to care for themselves. It may
be as a result of an accident where the patient requires
recuperation and physical therapy that goes beyond hospital
care, or it the patient may be a senior citizen unable to
perform basic functions and the care requirements exceed those
provided by a visiting nurse. Nursing homes provide care for the
chronically ill and/or convalescing patient.
2. Assisted Living: In an assisted living facility, people
generally are not bed ridden and usually require help with
performing some daily tasks such as cleaning, cooking, bathing.
Assisted living facilities are usually populated by the elderly
that do not require 24-hour nursing home care.
3. Adult Day Care: Day care facilities offer their patients
health monitoring services. The staff will ensure that patients
are well fed and hydrated. They check blood pressure and assist
with basic care.
4. Continuing Care Retirement Community: This type of care
provides the elderly with lifetime care. Most residents of this
type of community have considerable resources to afford such
care. Most residents sell their homes and move into these
communities. Care varies depending on the health of the
resident.
5. Residential Care: These are homes that have the necessary
individuals and facilities to provide food, laundry and shelter
for two or more people. The services provided do not require a
skilled nurse or special training. Residential care homes help
individuals by preparing food, assist with dressing and bathing.
About The Author: Recommended sites for low rate insurance Low
Cost Long Term Care Insurance in Connecticut
http://ezquoteguide
Insurance Quotes Online http://www.myquoteg
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Wednesday, September 12, 2007
Basics Of Private Mortgage Insurance
Basics of Private Mortgage Insurance (PMI)
General conventional loans require 20% of the selling price as
a down payment. This is often the largest hurdle for many
potential home buyers. In order to make buying a home more
affordable, lenders devised a solution to allow for smaller down
payments and still minimize their own risk – private mortgage
insurance.
Borrowers with less than 20% for a down payment may be required
to apply for private mortgage insurance. The PMI company then
insures the lender, generally for the top 20% of the mortgage,
in case of borrower default. The amount that the borrower is
required to pay for PMI depends on the type of loan, the
loan-to-value ratio, and the insurer. However, it is the lender,
not the borrower, that shops for the PMI company and program, so
there are some important questions to ask lenders about PMI.
· How many company's PMI programs will be considered?
· How does the selected policy compare to others in the
marketplace in its:
– Rates
– Insured loan-to-value ratio
– Procedure for requesting removal of PMI
The PMI company will consider your application with many of the
same guidelines as the lender, namely your credit, employment,
and reserves. Additionally, they will consider the property
being purchased and such questions as:
· Does the loan have a "teaser" rate which will increase
payments in the future?
· To what financial degree is the seller contributing?
· How stable is the borrower's employment?
· Is the economy of the area stable?
· How is the neighborhood where the property is located?
Luckily, for conventional loans, PMI is not something that must
paid for the life of the loan. For loans originated after July
29, 1999, once the borrower has reached 22% equity and payments
are current, the federal government requires that the lender
remove the PMI. The borrower can petition the lender to remove
the PMI at any time. This usually will require documentation of
an appraisal and sufficient and timely payments. Be aware of
which appraisers are approved by your lender – lenders can
choose not to accept the appraisal if it was not done according
to the lender's guidelines.
About The Author: Lauren Armstrong is an industry professional
and expert author at http://Smartloansta
compare rates, and get instant approval online with our
recommended lenders and services at
http://www.smartloa
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Wednesday, September 5, 2007
Your Dental Insurance Plan - What You Need To Know
There are fantastic deals on a dental plans out there for you and it only requires a bit of research. Don't wait until you find there is a problem.
Key Factors in Buying Your Dental Cover
The best cover offers a lot of preventive care for free or very inexpensively. This is in place to encourage simple steps that in the long-run save you a lot of money.
Usually, at the very least, plans provide two free cleanings a year and the only time the coverage gets rather expensive is when you start getting into services like a root canal.
Basic fillings are well covered and if you have kids you know they may well need a few of those. A dental insurance plan is vital if you have children. Good dental hygiene and regular visits to the dentist can save them from a lifetime of heartache.
There are some companies that offer special plans that works a little differently than a traditional dental insurance plan. They are more commonly called discount plans. By just signing up you get deep discounts in dental services. If you are a single adult with good teeth, this may be the way to go.
They offer cheap cleaning and visits. If you require more coverage, you will want to stick to the more traditional type of plan.
Coverage Level Is The Deciding Factor For Many
As with health insurance, a dental cover may take in to account the level of insurance you will need. If you are older, you are likely to have more difficulty and require more care. Even with a top notch dental insurance plan there are things that virtually no one will cover. Dentures and tooth replacement are just a couple of them.
If you are a senior you may want to contact AARP for a their offer. They often offer less of a penalty for being a senior.
You can probably get away with not having a dental insurance plan for years, but when the time comes and it seems to come for all of us, you don't even want to think about paying full price. If you find yourself in this situation contact one of the discount dental plan providers and sign up.
They will cover you right away so at least you can enjoy a deep discount on services.
Find Plans Recommended By Others
A great way to start looking for the best dental cover for you is to ask friends and family who they use, if it is affordable and how much they cover. Often a dental insurance plan will only offer so much coverage per year.
If you have a college age student, some campuses offer a dental plans just for their students. It may be more affordable than covering them on your plan. Spend some time online or in the yellow pages and start evaluating all the options for your cover before you need it.
You will be glad you did.
(c) 2007 Dental Insurance Guidance. If you want to find the right cover for your dental treatment, there are lots of great value options. You can find out how, right here, on Martin Haworth's fascinating website at http://www.DentalInsuranceGuidance.com
