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How To Save Money On Your Homeowners Insurance?
Author: Tim Gorman
How To Save Money On Your Homeowners Insurance?
In order to save money on your homeowners insurance you have to consider several price determining factors. One of the biggest factors is whom your insurance provider ends up becoming. You should consider shopping around in order to get as many price quotes as possible. Try to get at least three as a minimum. You can visit insurance companies directly; call them on the phone or search for quotes online. Aside from price other factors you may want to ask about include customer service, complaint records and responsiveness.
Deductible - As with your auto insurance, raising your deductible can help save money on your homeowners insurance. The deductible is the amount of money you have to pay toward a loss before your insurance company starts to pay a claim. Only consider a deductible amount that you can afford in the case of an emergency. Remember you?re dealing with your primary residence so you want to be careful.
Multiple Insurance - In many instances most insurance companies want more of your business. With that in mind they sometimes offer generous discounts if you have multiple insurance policies with them. For instance your auto and homeowners insurance policies.
Housing Improvements ? By making some improvements to your house allowing it to become more weather, earthquake and other natural disaster resistant you can lower the amount you would have to pay on your house insurance bill.
Rebuilding Costs ? When deciding on how much insurance coverage you really need make sure to subtract the land that the house resides on. Your land doesn?t require insurance protection and having it as part of the basis for your insurance needs will raise your total cost.
Discounts ? Ask your insurance company if the offer discounts for security devices, fire alarm systems, sprinkler systems and other burglar devices. They may even offer senior discounts if you?re over the age of 55. Ask if you qualify for any other discounts they may offer.
Policy Limits - You want your policy to cover any major purchases or additions to your home. But you don't want to spend money for coverage you don't need. However be careful about eliminating floater insurance. This insurance covers your valuable possessions such as your jewelry, Rolex watches and fur coats. Your computer equipment may also need a floater policy. Failure to have them could result in not receiving adequate reimbursement if those items are ever damaged or stolen.
Location ? If you really want to save money on your homeowners insurance then you need to make sure your house is built to withstand the natural weather occurrences that take place in your local area. Earthquakes, floods and fires behave differently in different parts of the country.
Hopefully this information can help you focus in on some areas within your homeowner?s policy that you can review with your insurance agent in the hopes of actually lowering your house insurance rates instead of raising them.
Timothy Gorman is a successful webmaster and publisher of Best-Free-Insurance-Quotes.com. He provides more insurance information and offers discount auto, life and home insurance that you can research in your pajamas on his website....
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Filing Auto Insurance Claims: The Basic Steps to Take
Author: Tim Gorman
An automobile accident can be a terrifying event for anyone, even when there are no injuries sustained. However, it is still necessary to take proper action after the collision to make filing auto insurance claims as simple as possible. Filing auto insurance claims may seem demanding at first glance, but following the correct steps can ensure success.
Be sure to carry your insurance card with you at all times for easy access. This card contains the type of coverage you have and how long it spans, your vehicle's make, model and identification number, and emergency and after hours phone numbers. Call your auto insurance agent to inform the company of the occurrence as soon as possible.
Most insurance companies request some form of documentation to support your claim. Writing down names and addresses of those involved or possible witnesses may aid when filing auto insurance claims. Noting specific details such as the weather, or visibility also may be of assistance. And of course, a copy of the police report is required, along with a proof of claim form provided by the insurance company.
Once all the information has been provided to the insurance company, and the claim form has been filled out, you can basically just sit and wait to see what develops. If there happens to be a dispute between the participants in the accident, you may receive a call from the other driver's insurance company inquiring about your version of the collision. Support your case. Document the conversation and make note of the insurance agent you spoke with.
Your case will be designated a claims adjuster, regardless of the car's condition. The car will be taken to a body shop, and the shop will evaluate damage done to the automobile. They will then send a report to the insurance company with an estimate for repairs. The insurance company will determine retail value after assessment of the report. If the repairs transcend 70 to 80 percent of the car's retail value, it is deemed totaled by the insurance company.
Timothy Gorman is a successful webmaster and publisher of Best-Free-Insurance-Quotes.com. He provides more insurance information and offers discount auto insurance, life and home insurance that you can research in your pajamas on his website....
http://www.insuranceinfoweb.com/carcheapinsurance/ car cheap insurance
The Right Auto Insurance Can Save You Money!
Author: Mike Yeager
Auto insurance is a protective feature that everyone needs who owns a car. Auto insurance allows you to have financial coverage in case you are involved in an auto accident; regardless of who is at fault. When shopping for auto insurance keep in mind that rates will vary dramatically for the same driver, depending on which company you ask. The key to savings lies in comparing many auto insurance quotes, to find the insurer that will give you the best rates.
If the auto insurance company you?re investigating is sound then it?s possible to purchase cheap auto insurance coverage that will give you peace of mind. Most states require you to purchase a minimum amount of auto insurance. In order to even drive your car you need to have at least liability insurance, in other words you have insurance to cover the expenses of the other party if you cause an insurance. If you are at fault in an accident, your liability insurance will pay for the bodily injury and property damage expenses caused to others in the accident, including your legal bills.
There are some insurance companies that offer discounts to those drivers who put fewer than a predetermined number of miles on their cars each year. Considering the high price of gasoline, carpooling and taking public transportation such as buses around town can help you save more than just premium dollars.
You?ll find that there are many places to locate cheap auto insurance to not only save you money but to also give you adequate coverage and protection.
Take your time to look around and you?ll find that you can save on your auto insurance rates.
About The Author
"The first rule of magic is simple.Don't waste your time waving your
hands and hoping when a rock or a club will do."
-- McCloctnik the Lucid
"...all the good computer designs are bootlegged; the formally planned products,
if they are built at all, are dogs!"
bo-- David E. Lundstrom, "A Few Good Men From Univac", MIT Press, 1987
The question is, why are politicians so eager to be president?What is it
about the job that makes it worth revealing, on national television, that
you have the ethical standards of a slime-coated piece of industrial waste?
-- Dave Barry, "On Presidential Politics"
There once was a man who went to a computer trade show.Each day as
he entered, the man told the guard at the door:
"I am a great thief, renowned for my feats of shoplifting.Be
forewarned, for this trade show shall not escape unplundered."
This speech disturbed the guard greatly, because there were millions
of dollars of computer equipment inside, so he watched the man carefully.
But the man merely wandered from booth to booth, humming quietly to himself.
When the man left, the guard took him aside and searched his clothes,
but nothing was to be found.
On the next day of the trade show, the man returned and chided the
guard saying: "I escaped with a vast booty yesterday, but today will be even
better."So the guard watched him ever more closely, but to no avail.
On the final day of the trade show, the guard could restrain his
curiosity no longer. "Sir Thief," he said, "I am so perplexed, I cannot live
in peace.Please enlighten me.What is it that you are stealing?"
The man smiled."I am stealing ideas," he said.
-- Geoffrey James, "The Tao of Programming"
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The reason ESP, for example, is not considered a viable topic in contemoprary
psychology is simply that its investigation has not proven fruitful...After
more than 70 years of study, there still does not exist one example of an ESP
phenomenon that is replicable under controlled conditions.This simple but
basic scientific criterion has not been met despite dozens of studies conducted
over many decades...It is for this reason alone that the topic is now of little
interest to psychology...In short, there is no demonstrated phenomenon that
-- Keith E. Stanovich, "How to Think Straight About Psychology", pp. 160-161
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just as likely remove your head with one swat of a paw.However, the family
of these unfortunate would-be knights was compensated with a beautiful
sheepdog from the royal kennels, which was itself a fairly valuable
possession.And the moral of the story is:
The mourning after a terrible knight, nothing beats the dog of the bear that
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Do Insurance Premiums Increase Every Year?
Author: Jon Register
Many people ask, "If I am supposed to get a renewal discount, why do my premiums seem to increase with each renewal?" The answer is not always so simple. Each year, new vehicles cost more then they did the previous year. It will probably cost more to fix a damaged vehicle than it did last year, or five years ago when you first bought your current policy. However, in many cases, your renewal premium will be less. Some factors that contribute to decreases in your premiums are straightforward.
According to the Insurance Information Institute (I.I.I.), the cost of auto insurance is expected to rise only 3.5% in 2004, the smallest increase over the last four years. Why? The number of auto accidents is on the decline due to better drivers and safer cars as well as crackdowns on fraud and abuse. However, due to the rising costs for medical care, vehicle repairs and skyrocketing jury awards the potential of price increases remain a problem. Rising automobile theft rates and fraud will keep costs higher for motorists in some states, such as Florida, Massachusetts, and New York.
The projected increase represents a substantial slowdown from 2003 when auto insurance costs rose by 7.8 percent, the I.I.I. observed. The average cost for auto insurance nationwide for 2004 is estimated at $871, an increase of $29 per vehicle from last year.
Unfortunately, even though drivers are filing fewer claims these days, the claims that are filed are costing the insurance companies more than they used to. It is costing more to repair cars as the amount of damage sustained in crashes is up from what it was a few years ago. Some in the industry feel this is due to accidents involving sport utility vehicles.
The cost of medical coverage is also increasing. This year insurers could pay as much as $20 billion in medical claims. Higher costs for hospitalization, medical care, medication and associated legal costs are also to blame.
What can you expect to pay for insurance? In many cases, your renewal discount will offset a rate increase from your company. It can become hard to keep track of increases if you make many changes to your policy. When you move to a new residence or get a newer vehicle as these factors affect the rate you pay. Your driving record is also one of the factors the insurance company uses in determining your rate. Go to http://www.carinsurance.com. Not only will you get the rates of various insurance companies, you will see the A.M. Best rating for each company along side their rates for you personal situation.
Now is the time for your fingers to punch their way to a quick rate analysis and view the ratings at the same time.
Visit http://www.carinsurance.com to Check Out the Lowest Premiums Available!
Jon Register is a representative of CarInsurance.com. You can visit CarInsurance.com at http://www.carinsurance.com or contact them at 1-877-327-8728.
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