solutionsforeverything

Avoiding Deer-Car Collisions The explosion in the deer population has lead to a continuing increase in deer-car collisions. This trend will only increase as the deer population grows and urban habitats continue to encroach upon rural environments. According to the National Safety Council, there were 530,000 animal-related accidents in 2003 and these collisions resulted in 100 deaths and 10,000 injuries. The average cost per insurance claim for collision damage is $2,800, with costs varying depending on the type of vehicle and severity of damage. When you factor in auto claims involving bodily injury, the average rises to $10,000.  Defensive driving tips to avoid hitting a deer:  Be especially attentive from sunset to midnight and during the hours shortly before and after sunrise. These are the highest risk times for deer-vehicle collisions. Drive with caution when moving through deer-crossing zones, in areas known to have a large deer population and in areas wh...

Safety Tips for Teen Drivers Ways to Save When Your Teen Starts Driving: We hit a milestone in my house this year. My oldest child turned 16 and, in theory, can get behind the wheel of a car and start driving solo. I'm not sure I'm ready for that and, fortunately, she's not either, so she still has her learner's permit. However, I've been searching high and low for ways to keep my auto insurance rates reasonable once she joins the ranks of independent drivers. Here are  tips  picked up along the way: The first years teenagers spend as drivers are very risky. Motor vehicle crashes are the leading cause of death among 15- to 20-year-olds and research shows that more than half of teens who die in crashes are passengers, most of whom are not wearing a seatbelt.   Immaturity and lack of driving experience are the two main factors leading to the high crash rates among teens. Even the best teenage drivers do not have the judgment that comes from expe...

How Can I Save Money On Auto Insurance? The price you pay for your auto insurance can vary by hundreds of dollars, depending what type of car you have and the insurance company you buy your policy from. Here are some ways to save money. 1. Shop Around Prices vary from company to company, so it pays to shop around. Get at least three price quotes. You can call companies directly or access information on the Internet. Your state insurance department may also provide comparisons of prices charged by major insurers. (State insurance department phone numbers and Web sites can be found on the back cover.) You buy insurance to protect you financially and provide peace of mind. It’s important to pick a company that is financially stable. Check the financial health of insurance companies with rating companies such as A.M. Best ( www.ambest.com ) and Standard & Poor’s ( www.standardandpoors.com/ratings ) and consult consumer magazines. Get quotes from different types of insura...

Where can I buy insurance? You can buy insurance through your local insurance agent and through insurance companies that sell through their own employees, over the phone, by mail and over the Internet. Consult your  state insurance department , the yellow pages of your phone book, and friends or relatives for the names of insurance companies doing business in your state. In most states, there are dozens, sometimes hundreds of companies to choose from, depending on the type of insurance you're looking for. You can go to our Find an Insurance Company tool for help. Compare all insurance policy before going to buy your insurance policy.There are many online sites like policybazaar.com which helps in choosing best insurance policy with good rates.

Choosing an Insurance Company There are many insurance companies, so choosing between them can be a challenge. Here are the main points to keep in mind when selecting an insurance company: 1. Licensing Not every company is licensed to operate in each state. As a general rule, you should buy from a company licensed in your state, because then can you rely on your state insurance department to help if there’s a problem. To find out which companies are licensed in your state, contact the  state insurance department . 2. Price Many companies sell insurance policies and prices vary greatly from one to another, so it really pays to shop around. Get at least three price quotes from companies, agents and from the Internet. Your  state insurance department  may publish a guide that shows what insurers charge for different policies in various parts of your state. 3. Financial Solidity You buy insurance to protect you financially and provide peace of mind. Select ...

Is there a difference between cancellation and nonrenewal? There is a big difference between an insurance company canceling a policy and choosing not to renew it. Insurance companies cannot cancel a policy that has been in force for more than 60 days except when: You fail to pay the premium You have committed fraud or made serious misrepresentations on your application Your drivers license has been revoked or suspended. Nonrenewal is a different matter. Either you or your insurance company can decide not to renew the policy when it expires. Depending on the state you live in, your insurance company must give you a certain number of days notice and explain the reason for not renewing before it drops your policy. If you think the reason is unfair or want a further explanation, call the insurance company’s consumer affairs division. If you don't get a satisfactory explanation, call your  state insurance department . The company may have decided to drop that parti...

Insuring a Leased Car If you lease a car, you still need to buy your own auto insurance policy. The auto dealer or bank that is financing the car will require you to buy collision and comprehensive coverage. You will need to buy these coverages in addition to the others that may be  mandatory in your state , such as auto liability insurance. Collision covers the damage to the car from an accident with another automobile or object. Comprehensive covers a loss that is caused by something other than a collision with another car or object, such as a fire or theft or collision with a deer. The leasing company may also require "gap" insurance. If you have an accident and your leased car is damaged beyond repair, or "totaled," there's likely to be a difference between the amount that you still owe the auto dealer and the check you'll get from your insurance company. That's because the insurance company's check is based on the car's actual c...

Why should I buy life insurance? Many financial experts consider life insurance to be the cornerstone of sound financial planning. It can be an important tool in the following situations: Replace income for dependents If people depend on your income, life insurance can replace that income for them if you die. The most commonly recognized case of this is parents with young children. However, it can also apply to couples in which the survivor would be financially stricken by the income lost through the death of a partner, and to dependent adults, such as parents, siblings or adult children who continue to rely on you financially. Insurance to replace your income can be especially useful if the government- or employer-sponsored benefits of your surviving spouse or domestic partner will be reduced after your death. Pay final expenses Life insurance can pay your funeral and burial costs, probate and other estate administration costs, debts and medical expenses not covered b...

Homeowners and Renters Insurance What is homeowners insurance? Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it. Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets. Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

Cheapest Cars to Insure in 2015 Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage: Property coverage pays for damage to or theft of your car. Liability coverage pays for your legal responsibility to others for bodily injury or property damage. Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses. An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements. Most auto policies are for six months to a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your pre...

Protect Your Auto Investment If you've ever wondered what it takes to be an ASE-certified automotive technician, consider this: In the span of one career, automotive engine technology alone has advanced from purely mechanical devices that need periodic adjustments to sophisticated, computer-controlled systems that can actually compensate for normal wear. The same can be said for virtually every major system on today’s vehicles, from brakes to transmissions. And the technicians who service and maintain our vehicle fleet have had to learn it all. In fact, to be an ASE-certified automotive technician today is to commit to a lifetime of training just to keep abreast of changing technology. Maintenance more necessary than ever before Modern vehicles are wonders of engineering. In just the past decade, maintenance intervals for things like spark plugs, emissions and cooling systems have been stretched out to 100,000 miles in some vehicles. But the need for periodic maintenan...